Can I retire at age 52 with 7,500,000?

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 $7,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$619,343$613,826$608,444$603,190$598,061$577,991
2 years$306,605$300,895$295,361$289,995$284,791$264,769
3 years$202,373$196,638$191,118$185,803$180,683$161,338
4 years$150,267$144,550$139,085$133,860$128,865$110,344
5 years$119,012$113,329$107,936$102,818$97,961$80,314
6 years$98,182$92,542$87,228$82,224$77,513$60,754
7 years$83,309$77,716$72,487$67,601$63,039$47,165
8 years$72,160$66,617$61,475$56,709$52,297$37,296
9 years$63,492$58,002$52,948$48,303$44,041$29,896
10 years$56,562$51,126$46,161$41,638$37,526$24,213
11 years$50,896$45,515$40,640$36,237$32,273$19,767
12 years$46,178$40,851$36,067$31,785$27,967$16,240
13 years$42,189$36,918$32,223$28,062$24,388$13,409
14 years$38,772$33,557$28,953$24,910$21,378$11,117
15 years$35,814$30,655$26,140$22,215$18,823$9,247
16 years$33,228$28,126$23,700$19,891$16,636$7,712
17 years$30,948$25,903$21,566$17,872$14,751$6,447
18 years$28,925$23,935$19,687$16,106$13,116$5,398
19 years$27,116$22,183$18,023$14,554$11,690$4,528
20 years$25,490$20,613$16,540$13,181$10,442$3,802
21 years$24,021$19,201$15,214$11,963$9,344$3,196
22 years$22,687$17,923$14,022$10,877$8,376$2,689
23 years$21,471$16,763$12,947$9,906$7,519$2,264
24 years$20,358$15,706$11,974$9,035$6,758$1,908
25 years$19,336$14,739$11,090$8,251$6,081$1,608
26 years$18,394$13,852$10,285$7,544$5,478$1,356
27 years$17,523$13,037$9,551$6,905$4,939$1,144
28 years$16,716$12,284$8,879$6,327$4,456$965
29 years$15,966$11,589$8,262$5,802$4,024$815
30 years$15,267$10,945$7,696$5,325$3,636$688
31 years$14,614$10,346$7,175$4,890$3,287$581
32 years$14,004$9,790$6,694$4,494$2,973$491
33 years$13,431$9,271$6,251$4,133$2,691$415
34 years$12,894$8,787$5,840$3,803$2,436$350
35 years$12,388$8,334$5,460$3,500$2,207$296
36 years$11,912$7,910$5,108$3,224$1,999$250
37 years$11,462$7,513$4,781$2,970$1,812$211
38 years$11,037$7,140$4,477$2,738$1,643$179
39 years$10,635$6,789$4,194$2,524$1,490$151
40 years$10,254$6,460$3,931$2,328$1,351$127
41 years$9,892$6,149$3,686$2,148$1,226$108
42 years$9,549$5,856$3,458$1,983$1,112$91
43 years$9,222$5,580$3,245$1,830$1,010$77
44 years$8,911$5,319$3,046$1,690$916$65
45 years$8,615$5,072$2,860$1,561$832$55
46 years$8,332$4,838$2,686$1,442$755$46
47 years$8,063$4,617$2,524$1,332$686$39
48 years$7,805$4,408$2,372$1,231$623$33
49 years$7,558$4,209$2,229$1,137$566$28
50 years$7,323$4,021$2,096$1,051$514$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $7,500,000, adding $2,390 every year, while hoping to spend $57,743 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: 76/11/13 Blend
51$7,500,000$7,500,000$7,500,000$7,500,000
52$8,267,465$7,869,965$7,753,715$8,873,818
53$9,049,309$8,194,155$7,952,027$9,598,257
54$9,908,965$8,532,296$8,155,046$10,384,699
55$10,854,309$8,885,009$8,362,871$11,245,240
56$11,894,020$9,252,945$8,575,598$12,187,236
57$13,037,657$9,636,787$8,793,328$13,218,785
58$14,295,755$10,037,245$9,016,160$14,348,805
59$15,679,918$10,455,067$9,244,198$15,587,117
60$17,202,935$10,891,030$9,477,544$16,944,535
61$18,878,895$11,345,951$9,716,302$18,432,966
62$20,723,323$11,820,683$9,960,579$20,065,527
63$22,753,324$12,316,119$10,210,480$21,856,660
64$24,987,746$12,833,192$10,466,114$23,822,275
65$27,447,356$13,372,879$10,727,590$25,979,891
66$30,155,040$13,936,203$10,995,017$28,348,807
67$33,136,010$14,524,234$11,268,507$30,950,279
68$36,418,052$15,138,090$11,548,171$33,807,723
69$40,031,781$15,778,944$11,834,122$36,946,929
70$44,010,932$16,448,021$12,126,474$40,396,308
71$48,392,676$17,146,603$12,425,340$44,187,157
72$53,217,977$17,876,035$12,730,837$48,353,952
73$58,531,969$18,637,719$13,043,079$52,934,673
74$64,384,391$19,433,128$13,362,182$57,971,163
75$70,830,047$20,263,799$13,688,263$63,509,514
76$77,929,331$21,131,345$14,021,440$69,600,511
77$85,748,793$22,037,451$14,361,828$76,300,100
78$94,361,766$22,983,882$14,709,545$83,669,918
79$103,849,059$23,972,486$15,064,709$91,777,877
80$114,299,723$25,005,197$15,427,436$100,698,793
81$125,811,883$26,084,040$15,797,843$110,515,101
82$138,493,671$27,211,134$16,176,047$121,317,624
83$152,464,244$28,388,698$16,562,163$133,206,429
84$167,854,909$29,619,056$16,956,308$146,291,773
85$184,810,360$30,904,640$17,358,594$160,695,137
86$203,490,045$32,247,997$17,769,136$176,550,371
87$224,069,673$33,651,792$18,188,045$194,004,958
88$246,742,868$35,118,818$18,615,433$213,221,398
89$271,722,999$36,651,998$19,051,408$234,378,746
90$299,245,192$38,254,393$19,496,077$257,674,293
91$329,568,552$39,929,208$19,949,546$283,325,428
92$362,978,605$41,679,801$20,411,917$311,571,688
93$399,789,997$43,509,686$20,883,291$342,677,013
94$440,349,460$45,422,543$21,363,764$376,932,237
95$485,039,085$47,422,228$21,853,431$414,657,827
96$534,279,933$49,512,779$22,352,382$456,206,908
97$588,536,004$51,698,422$22,860,704$501,968,590
98$648,318,618$53,983,587$23,378,479$552,371,637
99$714,191,245$56,372,910$23,905,787$607,888,512
100$786,774,820$58,871,251$24,442,699$669,039,832