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%15.7%
1 years$817,533$810,251$803,146$796,211$789,440$770,982
2 years$404,719$397,182$389,877$382,794$375,924$357,432
3 years$267,133$259,563$252,276$245,260$238,501$220,555
4 years$198,353$190,806$183,592$176,696$170,101$152,837
5 years$157,096$149,594$142,475$135,719$129,308$112,775
6 years$129,600$122,155$115,141$108,536$102,317$86,532
7 years$109,968$102,586$95,683$89,233$83,211$68,177
8 years$95,251$87,935$81,147$74,856$69,032$54,741
9 years$83,810$76,563$69,892$63,760$58,135$44,578
10 years$74,662$67,487$60,933$54,962$49,534$36,695
11 years$67,183$60,079$53,644$47,833$42,601$30,462
12 years$60,955$53,924$47,608$41,956$36,917$25,459
13 years$55,689$48,731$42,535$37,041$32,192$21,394
14 years$51,179$44,296$38,218$32,881$28,219$18,058
15 years$47,274$40,465$34,505$29,324$24,847$15,298
16 years$43,861$37,126$31,284$26,257$21,960$12,999
17 years$40,852$34,191$28,467$23,591$19,471$11,074
18 years$38,180$31,594$25,987$21,261$17,313$9,454
19 years$35,793$29,281$23,790$19,211$15,431$8,085
20 years$33,647$27,210$21,833$17,399$13,783$6,925
21 years$31,708$25,345$20,082$15,791$12,335$5,939
22 years$29,947$23,658$18,509$14,357$11,056$5,100
23 years$28,342$22,127$17,090$13,076$9,925$4,383
24 years$26,873$20,732$15,805$11,926$8,920$3,769
25 years$25,524$19,456$14,639$10,891$8,027$3,244
26 years$24,280$18,285$13,577$9,958$7,231$2,794
27 years$23,131$17,209$12,607$9,115$6,519$2,407
28 years$22,065$16,216$11,720$8,351$5,882$2,075
29 years$21,075$15,297$10,906$7,658$5,311$1,789
30 years$20,152$14,447$10,159$7,029$4,799$1,543
31 years$19,291$13,657$9,471$6,455$4,339$1,332
32 years$18,485$12,922$8,836$5,932$3,925$1,149
33 years$17,729$12,238$8,251$5,455$3,552$992
34 years$17,020$11,599$7,709$5,019$3,216$856
35 years$16,352$11,001$7,207$4,621$2,913$739
36 years$15,723$10,442$6,742$4,255$2,639$639
37 years$15,130$9,917$6,311$3,921$2,392$552
38 years$14,569$9,425$5,910$3,614$2,169$476
39 years$14,038$8,962$5,537$3,332$1,966$412
40 years$13,535$8,527$5,190$3,074$1,784$356
41 years$13,058$8,117$4,866$2,836$1,618$307
42 years$12,604$7,730$4,565$2,617$1,468$265
43 years$12,173$7,365$4,283$2,416$1,333$229
44 years$11,763$7,020$4,021$2,231$1,210$198
45 years$11,372$6,695$3,775$2,060$1,098$171
46 years$10,999$6,386$3,546$1,903$997$148
47 years$10,643$6,095$3,331$1,758$905$128
48 years$10,302$5,818$3,130$1,624$822$110
49 years$9,977$5,556$2,942$1,501$747$95
50 years$9,666$5,307$2,766$1,388$678$83

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 $2,834 every year, while hoping to spend $40,922 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: 50/38/12 Blend
51$9,900,000$9,900,000$9,900,000$9,900,000
52$10,912,723$10,388,023$10,234,573$11,422,861
53$11,982,280$10,853,496$10,533,891$12,238,276
54$13,159,561$11,340,405$10,841,864$13,119,345
55$14,455,509$11,849,758$11,158,739$14,075,854
56$15,882,185$12,382,610$11,484,771$15,114,900
57$17,452,876$12,940,066$11,820,219$16,244,277
58$19,182,225$13,523,285$12,165,352$17,472,549
59$21,086,366$14,133,480$12,520,446$18,809,123
60$23,183,078$14,771,923$12,885,783$20,264,338
61$25,491,950$15,439,945$13,261,655$21,849,555
62$28,034,569$16,138,943$13,648,360$23,577,261
63$30,834,722$16,870,378$14,046,208$25,461,185
64$33,918,621$17,635,783$14,455,513$27,516,419
65$37,315,148$18,436,765$14,876,600$29,759,558
66$41,056,131$19,275,004$15,309,804$32,208,851
67$45,176,641$20,152,264$15,755,468$34,884,368
68$49,715,327$21,070,393$16,213,944$37,808,184
69$54,714,774$22,031,327$16,685,595$41,004,582
70$60,221,912$23,037,093$17,170,794$44,500,274
71$66,288,455$24,089,818$17,669,923$48,324,649
72$72,971,388$25,191,730$18,183,376$52,510,044
73$80,333,508$26,345,163$18,711,557$57,092,041
74$88,444,014$27,552,564$19,254,882$62,109,795
75$97,379,160$28,816,497$19,813,778$67,606,398
76$107,222,979$30,139,649$20,388,684$73,629,276
77$118,068,067$31,524,836$20,980,049$80,230,631
78$130,016,468$32,975,011$21,588,339$87,467,921
79$143,180,627$34,493,266$22,214,028$95,404,396
80$157,684,459$36,082,844$22,857,605$104,109,688
81$173,664,513$37,747,143$23,519,574$113,660,451
82$191,271,264$39,489,723$24,200,451$124,141,081
83$210,670,532$41,314,319$24,900,765$135,644,499
84$232,045,047$43,224,842$25,621,062$148,273,018
85$255,596,177$45,225,394$26,361,902$162,139,293
86$281,545,821$47,320,272$27,123,860$177,367,378
87$310,138,512$49,513,983$27,907,527$194,093,879
88$341,643,721$51,811,249$28,713,510$212,469,233
89$376,358,400$54,217,019$29,542,432$232,659,112
90$414,609,787$56,736,484$30,394,934$254,845,971
91$456,758,496$59,375,082$31,271,674$279,230,759
92$503,201,915$62,138,514$32,173,328$306,034,793
93$554,377,966$65,032,756$33,100,590$335,501,838
94$610,769,232$68,064,075$34,054,173$367,900,382
95$672,907,516$71,239,037$35,034,810$403,526,159
96$741,378,859$74,564,526$36,043,253$442,704,914
97$816,829,074$78,047,759$37,080,273$485,795,463
98$899,969,843$81,696,303$38,146,666$533,193,059
99$991,585,432$85,518,087$39,243,245$585,333,094
100$1,092,540,100$89,521,427$40,370,847$642,695,193