Can I retire at age 52 with 9,900,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $9,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$817,533$810,251$803,146$796,211$789,440$763,864
2 years$404,719$397,182$389,877$382,794$375,924$350,396
3 years$267,133$259,563$252,276$245,260$238,501$213,824
4 years$198,353$190,806$183,592$176,696$170,101$146,462
5 years$157,096$149,594$142,475$135,719$129,308$106,771
6 years$129,600$122,155$115,141$108,536$102,317$80,901
7 years$109,968$102,586$95,683$89,233$83,211$62,913
8 years$95,251$87,935$81,147$74,856$69,032$49,838
9 years$83,810$76,563$69,892$63,760$58,135$40,023
10 years$74,662$67,487$60,933$54,962$49,534$32,475
11 years$67,183$60,079$53,644$47,833$42,601$26,564
12 years$60,955$53,924$47,608$41,956$36,917$21,868
13 years$55,689$48,731$42,535$37,041$32,192$18,093
14 years$51,179$44,296$38,218$32,881$28,219$15,031
15 years$47,274$40,465$34,505$29,324$24,847$12,529
16 years$43,861$37,126$31,284$26,257$21,960$10,473
17 years$40,852$34,191$28,467$23,591$19,471$8,773
18 years$38,180$31,594$25,987$21,261$17,313$7,363
19 years$35,793$29,281$23,790$19,211$15,431$6,189
20 years$33,647$27,210$21,833$17,399$13,783$5,210
21 years$31,708$25,345$20,082$15,791$12,335$4,389
22 years$29,947$23,658$18,509$14,357$11,056$3,702
23 years$28,342$22,127$17,090$13,076$9,925$3,124
24 years$26,873$20,732$15,805$11,926$8,920$2,639
25 years$25,524$19,456$14,639$10,891$8,027$2,230
26 years$24,280$18,285$13,577$9,958$7,231$1,885
27 years$23,131$17,209$12,607$9,115$6,519$1,594
28 years$22,065$16,216$11,720$8,351$5,882$1,348
29 years$21,075$15,297$10,906$7,658$5,311$1,141
30 years$20,152$14,447$10,159$7,029$4,799$966
31 years$19,291$13,657$9,471$6,455$4,339$818
32 years$18,485$12,922$8,836$5,932$3,925$692
33 years$17,729$12,238$8,251$5,455$3,552$586
34 years$17,020$11,599$7,709$5,019$3,216$496
35 years$16,352$11,001$7,207$4,621$2,913$420
36 years$15,723$10,442$6,742$4,255$2,639$356
37 years$15,130$9,917$6,311$3,921$2,392$302
38 years$14,569$9,425$5,910$3,614$2,169$256
39 years$14,038$8,962$5,537$3,332$1,966$217
40 years$13,535$8,527$5,190$3,074$1,784$183
41 years$13,058$8,117$4,866$2,836$1,618$155
42 years$12,604$7,730$4,565$2,617$1,468$132
43 years$12,173$7,365$4,283$2,416$1,333$112
44 years$11,763$7,020$4,021$2,231$1,210$95
45 years$11,372$6,695$3,775$2,060$1,098$80
46 years$10,999$6,386$3,546$1,903$997$68
47 years$10,643$6,095$3,331$1,758$905$58
48 years$10,302$5,818$3,130$1,624$822$49
49 years$9,977$5,556$2,942$1,501$747$41
50 years$9,666$5,307$2,766$1,388$678$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $9,900,000, adding $6,240 every year, while hoping to spend $46,808 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 58/35/7 Blend
51$9,900,000$9,900,000$9,900,000$9,900,000
52$10,916,237$10,391,537$10,238,087$11,532,643
53$11,979,889$10,850,919$10,531,259$12,406,782
54$13,150,466$11,331,241$10,832,684$13,353,248
55$14,438,823$11,833,482$11,142,589$14,383,660
56$15,856,923$12,358,663$11,461,206$15,506,054
57$17,417,948$12,907,856$11,788,775$16,729,269
58$19,136,422$13,482,184$12,125,541$18,063,016
59$21,028,347$14,082,821$12,471,758$19,517,974
60$23,111,360$14,711,000$12,827,683$21,105,886
61$25,404,890$15,368,011$13,193,582$22,839,665
62$27,930,350$16,055,205$13,569,728$24,733,512
63$30,711,333$16,773,997$13,956,401$26,803,047
64$33,773,837$17,525,871$14,353,889$29,065,452
65$37,146,510$18,312,381$14,762,486$31,539,630
66$40,860,920$19,135,153$15,182,494$34,246,377
67$44,951,851$19,995,892$15,614,225$37,208,575
68$49,457,635$20,896,387$16,057,997$40,451,404
69$54,420,512$21,838,507$16,514,138$44,002,572
70$59,887,025$22,824,215$16,982,982$47,892,572
71$65,908,464$23,855,564$17,464,875$52,154,967
72$72,541,348$24,934,708$17,960,169$56,826,696
73$79,847,959$26,063,902$18,469,228$61,948,423
74$87,896,927$27,245,509$18,992,423$67,564,909
75$96,763,881$28,482,006$19,530,137$73,725,428
76$106,532,160$29,775,988$20,082,759$80,484,230
77$117,293,602$31,130,173$20,650,693$87,901,042
78$129,149,408$32,547,410$21,234,351$96,041,622
79$142,211,101$34,030,686$21,834,154$104,978,379
80$156,601,572$35,583,129$22,450,538$114,791,041
81$172,456,247$37,208,017$23,083,945$125,567,401
82$189,924,360$38,908,786$23,734,834$137,404,141
83$209,170,365$40,689,036$24,403,670$150,407,726
84$230,375,484$42,552,541$25,090,935$164,695,409
85$253,739,422$44,503,254$25,797,120$180,396,320
86$279,482,249$46,545,320$26,522,730$197,652,677
87$307,846,479$48,683,081$27,268,282$216,621,117
88$339,099,358$50,921,090$28,034,307$237,474,164
89$373,535,385$53,264,116$28,821,349$260,401,841
90$411,479,095$55,717,158$29,629,965$285,613,454
91$453,288,121$58,285,458$30,460,728$313,339,552
92$499,356,570$60,974,506$31,314,223$343,834,093
93$550,118,743$63,790,059$32,191,051$377,376,821
94$606,053,232$66,738,150$33,091,829$414,275,895
95$667,687,445$69,825,102$34,017,188$454,870,778
96$735,602,576$73,057,543$34,967,776$499,535,428
97$810,439,097$76,442,421$35,944,254$548,681,808
98$892,902,802$79,987,017$36,947,305$602,763,757
99$983,771,471$83,698,965$37,977,623$662,281,254
100$1,083,902,211$87,586,264$39,035,923$727,785,116