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%12%
1 years$817,533$810,251$803,146$796,211$789,440$782,825
2 years$404,719$397,182$389,877$382,794$375,924$369,257
3 years$267,133$259,563$252,276$245,260$238,501$231,990
4 years$198,353$190,806$183,592$176,696$170,101$163,794
5 years$157,096$149,594$142,475$135,719$129,308$123,224
6 years$129,600$122,155$115,141$108,536$102,317$96,464
7 years$109,968$102,586$95,683$89,233$83,211$77,592
8 years$95,251$87,935$81,147$74,856$69,032$63,646
9 years$83,810$76,563$69,892$63,760$58,135$52,981
10 years$74,662$67,487$60,933$54,962$49,534$44,609
11 years$67,183$60,079$53,644$47,833$42,601$37,901
12 years$60,955$53,924$47,608$41,956$36,917$32,438
13 years$55,689$48,731$42,535$37,041$32,192$27,929
14 years$51,179$44,296$38,218$32,881$28,219$24,167
15 years$47,274$40,465$34,505$29,324$24,847$20,999
16 years$43,861$37,126$31,284$26,257$21,960$18,310
17 years$40,852$34,191$28,467$23,591$19,471$16,014
18 years$38,180$31,594$25,987$21,261$17,313$14,042
19 years$35,793$29,281$23,790$19,211$15,431$12,340
20 years$33,647$27,210$21,833$17,399$13,783$10,865
21 years$31,708$25,345$20,082$15,791$12,335$9,582
22 years$29,947$23,658$18,509$14,357$11,056$8,463
23 years$28,342$22,127$17,090$13,076$9,925$7,484
24 years$26,873$20,732$15,805$11,926$8,920$6,625
25 years$25,524$19,456$14,639$10,891$8,027$5,871
26 years$24,280$18,285$13,577$9,958$7,231$5,207
27 years$23,131$17,209$12,607$9,115$6,519$4,622
28 years$22,065$16,216$11,720$8,351$5,882$4,105
29 years$21,075$15,297$10,906$7,658$5,311$3,648
30 years$20,152$14,447$10,159$7,029$4,799$3,244
31 years$19,291$13,657$9,471$6,455$4,339$2,886
32 years$18,485$12,922$8,836$5,932$3,925$2,568
33 years$17,729$12,238$8,251$5,455$3,552$2,286
34 years$17,020$11,599$7,709$5,019$3,216$2,036
35 years$16,352$11,001$7,207$4,621$2,913$1,814
36 years$15,723$10,442$6,742$4,255$2,639$1,616
37 years$15,130$9,917$6,311$3,921$2,392$1,440
38 years$14,569$9,425$5,910$3,614$2,169$1,284
39 years$14,038$8,962$5,537$3,332$1,966$1,144
40 years$13,535$8,527$5,190$3,074$1,784$1,021
41 years$13,058$8,117$4,866$2,836$1,618$910
42 years$12,604$7,730$4,565$2,617$1,468$812
43 years$12,173$7,365$4,283$2,416$1,333$724
44 years$11,763$7,020$4,021$2,231$1,210$646
45 years$11,372$6,695$3,775$2,060$1,098$576
46 years$10,999$6,386$3,546$1,903$997$514
47 years$10,643$6,095$3,331$1,758$905$459
48 years$10,302$5,818$3,130$1,624$822$410
49 years$9,977$5,556$2,942$1,501$747$365
50 years$9,666$5,307$2,766$1,388$678$326

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 $4,223 every year, while hoping to spend $26,951 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: 50/35/15 Blend
51$9,900,000$9,900,000$9,900,000$9,900,000
52$10,914,156$10,389,456$10,236,006$11,414,707
53$11,998,724$10,869,864$10,550,237$12,239,816
54$13,193,015$11,372,908$10,874,091$13,132,835
55$14,508,192$11,899,670$11,207,862$14,102,709
56$15,956,556$12,451,282$11,551,854$15,156,680
57$17,551,662$13,028,932$11,906,378$16,302,699
58$19,308,445$13,633,864$12,271,755$17,549,506
59$21,243,366$14,267,382$12,648,319$18,906,697
60$23,374,561$14,930,856$13,036,409$20,384,823
61$25,722,015$15,625,717$13,436,378$21,995,476
62$28,307,752$16,353,468$13,848,588$23,751,399
63$31,156,041$17,115,686$14,273,413$25,666,600
64$34,293,622$17,914,020$14,711,238$27,756,480
65$37,749,967$18,750,202$15,162,460$30,037,973
66$41,557,548$19,626,047$15,627,487$32,529,704
67$45,752,151$20,543,456$16,106,740$35,252,152
68$50,373,209$21,504,423$16,600,654$38,227,845
69$55,464,176$22,511,040$17,109,676$41,481,563
70$61,072,938$23,565,497$17,634,267$45,040,569
71$67,252,264$24,670,093$18,174,901$48,934,853
72$74,060,302$25,827,234$18,732,067$53,197,417
73$81,561,132$27,039,448$19,306,270$57,864,573
74$89,825,367$28,309,380$19,898,030$62,976,283
75$98,930,821$29,639,807$20,507,881$68,576,523
76$108,963,245$31,033,637$21,136,375$74,713,696
77$120,017,132$32,493,922$21,784,079$81,441,077
78$132,196,615$34,023,859$22,451,581$88,817,307
79$145,616,443$35,626,802$23,139,483$96,906,938
80$160,403,071$37,306,266$23,848,406$105,781,034
81$176,695,847$39,065,936$24,578,991$115,517,829
82$194,648,335$40,909,678$25,331,898$126,203,456
83$214,429,756$42,841,543$26,107,808$137,932,751
84$236,226,591$44,865,779$26,907,419$150,810,133
85$260,244,341$46,986,840$27,731,456$164,950,580
86$286,709,465$49,209,396$28,580,660$180,480,701
87$315,871,518$51,538,344$29,455,800$197,539,918
88$348,005,507$53,978,817$30,357,664$216,281,767
89$383,414,488$56,536,199$31,287,065$236,875,334
90$422,432,427$59,216,133$32,244,843$259,506,838
91$465,427,350$62,024,539$33,231,860$284,381,367
92$512,804,820$64,967,622$34,249,008$311,724,804
93$565,011,764$68,051,888$35,297,202$341,785,936
94$622,540,693$71,284,159$36,377,387$374,838,789
95$685,934,351$74,671,591$37,490,537$411,185,192
96$755,790,840$78,221,683$38,637,655$451,157,609
97$832,769,262$81,942,303$39,819,773$495,122,254
98$917,595,948$85,841,697$41,037,957$543,482,528
99$1,011,071,309$89,928,514$42,293,303$596,682,804
100$1,114,077,395$94,211,824$43,586,941$655,212,595