Can I retire at age 52 with 9,100,000?

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 $9,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$751,469$744,776$738,245$731,871$725,647$712,453
2 years$372,015$365,086$358,371$351,861$345,546$332,301
3 years$245,546$238,588$231,890$225,441$219,229$206,345
4 years$182,324$175,387$168,757$162,417$156,356$143,932
5 years$144,401$137,506$130,962$124,752$118,859$106,931
6 years$119,127$112,284$105,837$99,765$94,049$82,631
7 years$101,082$94,296$87,951$82,023$76,487$65,581
8 years$87,554$80,829$74,589$68,807$63,453$53,057
9 years$77,037$70,376$64,244$58,608$53,437$43,544
10 years$68,629$62,033$56,009$50,521$45,531$36,132
11 years$61,754$55,224$49,310$43,968$39,158$30,243
12 years$56,029$49,566$43,761$38,566$33,934$25,491
13 years$51,189$44,794$39,098$34,048$29,591$21,606
14 years$47,043$40,716$35,129$30,224$25,939$18,399
15 years$43,454$37,195$31,717$26,954$22,839$15,728
16 years$40,316$34,126$28,756$24,135$20,185$13,488
17 years$37,551$31,428$26,167$21,685$17,897$11,598
18 years$35,095$29,041$23,887$19,542$15,914$9,996
19 years$32,901$26,915$21,867$17,658$14,184$8,632
20 years$30,928$25,011$20,069$15,993$12,670$7,466
21 years$29,146$23,297$18,459$14,515$11,338$6,467
22 years$27,527$21,747$17,013$13,197$10,163$5,609
23 years$26,052$20,339$15,709$12,019$9,123$4,869
24 years$24,702$19,056$14,528$10,962$8,200$4,231
25 years$23,461$17,884$13,456$10,011$7,378$3,679
26 years$22,318$16,808$12,480$9,154$6,646$3,202
27 years$21,261$15,818$11,588$8,379$5,992$2,788
28 years$20,282$14,905$10,773$7,677$5,407$2,429
29 years$19,372$14,061$10,025$7,040$4,882$2,117
30 years$18,524$13,279$9,338$6,461$4,411$1,845
31 years$17,732$12,553$8,706$5,933$3,988$1,609
32 years$16,991$11,878$8,122$5,453$3,608$1,404
33 years$16,297$11,249$7,584$5,015$3,265$1,225
34 years$15,645$10,661$7,086$4,614$2,956$1,069
35 years$15,031$10,112$6,625$4,247$2,677$934
36 years$14,453$9,598$6,197$3,912$2,426$815
37 years$13,907$9,116$5,801$3,604$2,199$712
38 years$13,392$8,663$5,432$3,322$1,993$622
39 years$12,904$8,238$5,089$3,063$1,808$543
40 years$12,441$7,838$4,770$2,825$1,640$474
41 years$12,002$7,461$4,473$2,607$1,487$414
42 years$11,586$7,105$4,196$2,406$1,350$362
43 years$11,189$6,770$3,937$2,221$1,225$316
44 years$10,812$6,453$3,696$2,050$1,112$276
45 years$10,453$6,154$3,470$1,894$1,009$242
46 years$10,110$5,870$3,259$1,749$916$211
47 years$9,783$5,602$3,062$1,616$832$184
48 years$9,470$5,348$2,877$1,493$756$161
49 years$9,171$5,107$2,705$1,380$686$141
50 years$8,885$4,878$2,543$1,276$623$123

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $9,100,000, adding $4,262 every year, while hoping to spend $39,193 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: 44/47/9 Blend
51$9,100,000$9,100,000$9,100,000$9,100,000
52$10,032,596$9,550,296$9,409,246$10,448,077
53$11,014,220$9,976,560$9,682,755$11,162,917
54$12,094,656$10,422,397$9,964,113$11,932,874
55$13,283,941$10,888,724$10,253,541$12,766,465
56$14,593,136$11,376,505$10,551,267$13,669,550
57$16,034,427$11,886,744$10,857,526$14,648,556
58$17,621,242$12,420,499$11,172,557$15,710,536
59$19,368,379$12,978,873$11,496,608$16,863,233
60$21,292,142$13,563,026$11,829,932$18,115,148
61$23,410,496$14,174,170$12,172,790$19,475,615
62$25,743,239$14,813,577$12,525,451$20,954,884
63$28,312,185$15,482,578$12,888,189$22,564,216
64$31,141,372$16,182,569$13,261,288$24,315,979
65$34,257,289$16,915,011$13,645,038$26,223,767
66$37,689,124$17,681,438$14,039,738$28,302,514
67$41,469,040$18,483,454$14,445,695$30,568,637
68$45,632,479$19,322,740$14,863,223$33,040,179
69$50,218,497$20,201,060$15,292,646$35,736,977
70$55,270,132$21,120,260$15,734,298$38,680,840
71$60,834,808$22,082,275$16,188,520$41,895,750
72$66,964,786$23,089,134$16,655,662$45,408,079
73$73,717,653$24,142,960$17,136,085$49,246,832
74$81,156,870$25,245,982$17,630,161$53,443,912
75$89,352,367$26,400,532$18,138,268$58,034,413
76$98,381,207$27,609,056$18,660,798$63,056,943
77$108,328,307$28,874,117$19,198,152$68,553,978
78$119,287,247$30,198,401$19,750,743$74,572,255
79$131,361,146$31,584,723$20,318,992$81,163,204
80$144,663,641$33,036,032$20,903,337$88,383,418
81$159,319,956$34,555,421$21,504,221$96,295,183
82$175,468,084$36,146,129$22,122,106$104,967,048
83$193,260,092$37,811,553$22,757,460$114,474,468
84$212,863,554$39,555,252$23,410,768$124,900,494
85$234,463,134$41,380,957$24,082,526$136,336,553
86$258,262,328$43,292,578$24,773,244$148,883,291
87$284,485,383$45,294,212$25,483,446$162,651,511
88$313,379,420$47,390,156$26,213,669$177,763,203
89$345,216,759$49,584,912$26,964,465$194,352,684
90$380,297,495$51,883,199$27,736,401$212,567,842
91$418,952,327$54,289,963$28,530,058$232,571,520
92$461,545,684$56,810,391$29,346,035$254,543,034
93$508,479,160$59,449,916$30,184,943$278,679,846
94$560,195,309$62,214,237$31,047,413$305,199,410
95$617,181,820$65,109,324$31,934,091$334,341,201
96$679,976,122$68,141,438$32,845,640$366,368,956
97$749,170,459$71,317,141$33,782,742$401,573,141
98$825,417,477$74,643,312$34,746,095$440,273,668
99$909,436,387$78,127,161$35,736,416$482,822,890
100$1,002,019,755$81,776,249$36,754,442$529,608,903