Can I retire at age 52 with 7,700,000?

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 $7,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$635,859$630,195$624,669$619,275$614,009$608,103
2 years$314,782$308,919$303,237$297,729$292,385$286,436
3 years$207,770$201,882$196,215$190,758$185,501$179,693
4 years$154,274$148,405$142,794$137,430$132,301$126,678
5 years$122,186$116,351$110,814$105,559$100,573$95,152
6 years$100,800$95,009$89,554$84,417$79,580$74,368
7 years$85,531$79,789$74,420$69,404$64,720$59,719
8 years$74,084$68,394$63,114$58,221$53,691$48,902
9 years$65,185$59,549$54,360$49,591$45,216$40,636
10 years$58,071$52,490$47,392$42,748$38,526$34,153
11 years$52,254$46,728$41,723$37,204$33,134$28,964
12 years$47,409$41,941$37,029$32,633$28,713$24,742
13 years$43,314$37,902$33,083$28,810$25,038$21,262
14 years$39,806$34,452$29,725$25,574$21,948$18,361
15 years$36,769$31,473$26,838$22,808$19,325$15,922
16 years$34,114$28,876$24,332$20,422$17,080$13,855
17 years$31,774$26,593$22,141$18,349$15,144$12,092
18 years$29,696$24,573$20,212$16,536$13,465$10,580
19 years$27,839$22,774$18,503$14,942$12,002$9,278
20 years$26,170$21,163$16,981$13,533$10,720$8,151
21 years$24,662$19,713$15,620$12,282$9,594$7,173
22 years$23,292$18,401$14,396$11,167$8,599$6,321
23 years$22,044$17,210$13,292$10,170$7,719$5,577
24 years$20,901$16,125$12,293$9,275$6,938$4,926
25 years$19,852$15,132$11,386$8,471$6,243$4,355
26 years$18,885$14,222$10,560$7,745$5,624$3,853
27 years$17,990$13,384$9,806$7,090$5,070$3,412
28 years$17,162$12,612$9,116$6,496$4,575$3,023
29 years$16,391$11,898$8,483$5,957$4,131$2,680
30 years$15,674$11,236$7,901$5,467$3,733$2,377
31 years$15,004$10,622$7,366$5,021$3,375$2,110
32 years$14,377$10,051$6,873$4,614$3,053$1,873
33 years$13,790$9,518$6,417$4,243$2,763$1,663
34 years$13,238$9,021$5,996$3,904$2,501$1,477
35 years$12,719$8,556$5,606$3,594$2,266$1,313
36 years$12,229$8,121$5,244$3,310$2,053$1,167
37 years$11,768$7,713$4,908$3,050$1,860$1,037
38 years$11,331$7,330$4,596$2,811$1,687$922
39 years$10,918$6,970$4,306$2,592$1,529$820
40 years$10,527$6,632$4,036$2,391$1,387$729
41 years$10,156$6,313$3,785$2,206$1,259$649
42 years$9,803$6,012$3,550$2,035$1,142$577
43 years$9,468$5,728$3,331$1,879$1,036$513
44 years$9,149$5,460$3,127$1,735$941$457
45 years$8,845$5,207$2,936$1,602$854$407
46 years$8,554$4,967$2,758$1,480$775$362
47 years$8,278$4,740$2,591$1,367$704$322
48 years$8,013$4,525$2,435$1,263$639$287
49 years$7,760$4,321$2,289$1,168$581$255
50 years$7,518$4,128$2,152$1,079$528$227

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $7,700,000, adding $3,214 every year, while hoping to spend $33,291 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: 57/34/9 Blend
51$7,700,000$7,700,000$7,700,000$7,700,000
52$8,488,715$8,080,615$7,961,265$8,954,393
53$9,319,143$8,441,144$8,192,546$9,629,131
54$10,233,158$8,818,223$8,430,459$10,359,966
55$11,239,252$9,212,628$8,675,192$11,155,455
56$12,346,781$9,625,171$8,926,935$12,021,785
57$13,566,053$10,056,705$9,185,888$12,965,750
58$14,908,427$10,508,121$9,452,252$13,994,826
59$16,386,421$10,980,353$9,726,237$15,117,225
60$18,013,826$11,474,380$10,008,056$16,341,981
61$19,805,840$11,991,228$10,297,930$17,679,026
62$21,779,209$12,531,972$10,596,084$19,139,284
63$23,952,388$13,097,738$10,902,752$20,734,770
64$26,345,709$13,689,704$11,218,171$22,478,699
65$28,981,579$14,309,108$11,542,588$24,385,608
66$31,884,689$14,957,243$11,876,254$26,471,494
67$35,082,246$15,635,467$12,219,428$28,753,953
68$38,604,232$16,345,202$12,572,375$31,252,351
69$42,483,684$17,087,937$12,935,370$33,987,996
70$46,757,007$17,865,233$13,308,692$36,984,339
71$51,464,319$18,678,727$13,692,630$40,267,189
72$56,649,827$19,530,132$14,087,481$43,864,955
73$62,362,245$20,421,244$14,493,547$47,808,904
74$68,655,255$21,353,946$14,911,142$52,133,457
75$75,588,012$22,330,210$15,340,586$56,876,504
76$83,225,702$23,352,104$15,782,209$62,079,761
77$91,640,160$24,421,793$16,236,349$67,789,153
78$100,910,544$25,541,549$16,703,355$74,055,246
79$111,124,085$26,713,750$17,183,582$80,933,713
80$122,376,907$27,940,889$17,677,398$88,485,859
81$134,774,940$29,225,581$18,185,179$96,779,189
82$148,434,913$30,570,563$18,707,311$105,888,039
83$163,485,460$31,978,707$19,244,192$115,894,270
84$180,068,334$33,453,021$19,796,230$126,888,033
85$198,339,743$34,996,658$20,363,843$138,968,614
86$218,471,826$36,612,923$20,947,460$152,245,356
87$240,654,276$38,305,280$21,547,524$166,838,693
88$265,096,133$40,077,360$22,164,487$182,881,267
89$292,027,756$41,932,968$22,798,815$200,519,177
90$321,702,997$43,876,093$23,450,985$219,913,345
91$354,401,597$45,910,916$24,121,487$241,241,024
92$390,431,829$48,041,820$24,810,826$264,697,462
93$430,133,404$50,273,397$25,519,517$290,497,734
94$473,880,682$52,610,465$26,248,092$318,878,757
95$522,086,203$55,058,069$26,997,094$350,101,513
96$575,204,582$57,621,501$27,767,083$384,453,506
97$633,736,802$60,306,307$28,558,633$422,251,453
98$698,234,942$63,118,301$29,372,333$463,844,266
99$769,307,386$66,063,579$30,208,786$509,616,327
100$847,624,573$69,148,527$31,068,614$559,991,101