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%19.5%
1 years$817,533$810,251$803,146$796,211$789,440$759,318
2 years$404,719$397,182$389,877$382,794$375,924$345,931
3 years$267,133$259,563$252,276$245,260$238,501$209,581
4 years$198,353$190,806$183,592$176,696$170,101$142,474
5 years$157,096$149,594$142,475$135,719$129,308$103,045
6 years$129,600$122,155$115,141$108,536$102,317$77,437
7 years$109,968$102,586$95,683$89,233$83,211$59,705
8 years$95,251$87,935$81,147$74,856$69,032$46,878
9 years$83,810$76,563$69,892$63,760$58,135$37,301
10 years$74,662$67,487$60,933$54,962$49,534$29,982
11 years$67,183$60,079$53,644$47,833$42,601$24,287
12 years$60,955$53,924$47,608$41,956$36,917$19,794
13 years$55,689$48,731$42,535$37,041$32,192$16,210
14 years$51,179$44,296$38,218$32,881$28,219$13,327
15 years$47,274$40,465$34,505$29,324$24,847$10,991
16 years$43,861$37,126$31,284$26,257$21,960$9,087
17 years$40,852$34,191$28,467$23,591$19,471$7,529
18 years$38,180$31,594$25,987$21,261$17,313$6,249
19 years$35,793$29,281$23,790$19,211$15,431$5,193
20 years$33,647$27,210$21,833$17,399$13,783$4,321
21 years$31,708$25,345$20,082$15,791$12,335$3,599
22 years$29,947$23,658$18,509$14,357$11,056$3,000
23 years$28,342$22,127$17,090$13,076$9,925$2,502
24 years$26,873$20,732$15,805$11,926$8,920$2,088
25 years$25,524$19,456$14,639$10,891$8,027$1,743
26 years$24,280$18,285$13,577$9,958$7,231$1,456
27 years$23,131$17,209$12,607$9,115$6,519$1,216
28 years$22,065$16,216$11,720$8,351$5,882$1,017
29 years$21,075$15,297$10,906$7,658$5,311$850
30 years$20,152$14,447$10,159$7,029$4,799$710
31 years$19,291$13,657$9,471$6,455$4,339$594
32 years$18,485$12,922$8,836$5,932$3,925$497
33 years$17,729$12,238$8,251$5,455$3,552$415
34 years$17,020$11,599$7,709$5,019$3,216$348
35 years$16,352$11,001$7,207$4,621$2,913$291
36 years$15,723$10,442$6,742$4,255$2,639$243
37 years$15,130$9,917$6,311$3,921$2,392$203
38 years$14,569$9,425$5,910$3,614$2,169$170
39 years$14,038$8,962$5,537$3,332$1,966$142
40 years$13,535$8,527$5,190$3,074$1,784$119
41 years$13,058$8,117$4,866$2,836$1,618$100
42 years$12,604$7,730$4,565$2,617$1,468$83
43 years$12,173$7,365$4,283$2,416$1,333$70
44 years$11,763$7,020$4,021$2,231$1,210$58
45 years$11,372$6,695$3,775$2,060$1,098$49
46 years$10,999$6,386$3,546$1,903$997$41
47 years$10,643$6,095$3,331$1,758$905$34
48 years$10,302$5,818$3,130$1,624$822$29
49 years$9,977$5,556$2,942$1,501$747$24
50 years$9,666$5,307$2,766$1,388$678$20

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 $4,502 every year, while hoping to spend $51,395 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: 73/20/7 Blend
51$9,900,000$9,900,000$9,900,000$9,900,000
52$10,914,444$10,389,744$10,236,294$11,700,144
53$11,973,033$10,844,157$10,524,526$12,673,063
54$13,137,876$11,319,115$10,820,691$13,731,354
55$14,419,756$11,815,568$11,125,001$14,888,900
56$15,830,555$12,334,515$11,437,672$16,155,486
57$17,383,366$12,877,000$11,758,928$17,541,878
58$19,092,612$13,444,116$12,088,995$19,059,927
59$20,974,191$14,037,010$12,428,109$20,722,678
60$23,045,615$14,656,880$12,776,508$22,544,490
61$25,326,185$15,304,984$13,134,437$24,541,169
62$27,837,165$15,982,638$13,502,150$26,730,117
63$30,601,988$16,691,219$13,879,905$29,130,493
64$33,646,474$17,432,172$14,267,965$31,763,390
65$36,999,075$18,207,009$14,666,602$34,652,033
66$40,691,142$19,017,314$15,076,094$37,821,996
67$44,757,222$19,864,745$15,496,727$41,301,440
68$49,235,382$20,751,042$15,928,791$45,121,374
69$54,167,572$21,678,024$16,372,587$49,315,948
70$59,600,017$22,647,599$16,828,420$53,922,772
71$65,583,652$23,661,765$17,296,606$58,983,263
72$72,174,608$24,722,615$17,777,466$64,543,038
73$79,434,736$25,832,341$18,271,329$70,652,338
74$87,432,194$26,993,241$18,778,533$77,366,501
75$96,242,089$28,207,721$19,299,425$84,746,477
76$105,947,185$29,478,302$19,834,359$92,859,402
77$116,638,686$30,807,627$20,383,698$101,779,225
78$128,417,094$32,198,463$20,947,814$111,587,406
79$141,393,159$33,653,709$21,527,087$122,373,673
80$155,688,925$35,176,404$22,121,908$134,236,873
81$171,438,879$36,769,732$22,732,676$147,285,892
82$188,791,224$38,437,028$23,359,800$161,640,683
83$207,909,273$40,181,787$24,003,698$177,433,389
84$228,972,996$42,007,672$24,664,799$194,809,588
85$252,180,714$43,918,520$25,343,542$213,929,658
86$277,750,971$45,918,352$26,040,375$234,970,287
87$305,924,602$48,011,383$26,755,759$258,126,133
88$336,966,998$50,202,027$27,490,163$283,611,655
89$371,170,618$52,494,913$28,244,070$311,663,130
90$408,857,747$54,894,889$29,017,972$342,540,876
91$450,383,536$57,407,037$29,812,373$376,531,702
92$496,139,358$60,036,684$30,627,789$413,951,606
93$546,556,499$62,789,408$31,464,747$455,148,751
94$602,110,234$65,671,061$32,323,788$500,506,742
95$663,324,306$68,687,771$33,205,463$550,448,237
96$730,775,877$71,845,963$34,110,337$605,438,928
97$805,100,971$75,152,370$35,038,988$665,991,927
98$887,000,482$78,614,049$35,992,007$732,672,598
99$977,246,789$82,238,395$36,969,997$806,103,885
100$1,076,691,045$86,033,160$37,973,575$886,972,178