Can I retire at age 52 with 10,000,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $10,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$825,791$818,435$811,258$804,254$797,414$774,060
2 years$408,807$401,194$393,815$386,660$379,721$356,381
3 years$269,831$262,184$254,824$247,737$240,911$218,317
4 years$200,356$192,733$185,447$178,481$171,819$150,145
5 years$158,683$151,105$143,914$137,090$130,614$109,918
6 years$130,909$123,389$116,304$109,632$103,351$83,651
7 years$111,079$103,622$96,649$90,135$84,052$65,349
8 years$96,213$88,823$81,966$75,612$69,729$52,012
9 years$84,656$77,336$70,598$64,404$58,722$41,972
10 years$75,417$68,168$61,549$55,517$50,034$34,229
11 years$67,862$60,686$54,186$48,317$43,031$28,144
12 years$61,571$54,469$48,089$42,380$37,290$23,291
13 years$56,251$49,224$42,964$37,415$32,517$19,375
14 years$51,696$44,743$38,604$33,213$28,505$16,186
15 years$47,752$40,874$34,854$29,620$25,098$13,569
16 years$44,304$37,501$31,600$26,522$22,181$11,407
17 years$41,265$34,537$28,755$23,830$19,668$9,612
18 years$38,566$31,914$26,250$21,475$17,487$8,115
19 years$36,155$29,577$24,030$19,405$15,587$6,863
20 years$33,987$27,484$22,054$17,575$13,923$5,812
21 years$32,028$25,601$20,285$15,950$12,459$4,927
22 years$30,250$23,897$18,696$14,502$11,168$4,181
23 years$28,629$22,351$17,262$13,208$10,025$3,551
24 years$27,145$20,941$15,965$12,046$9,011$3,018
25 years$25,782$19,652$14,787$11,001$8,108$2,567
26 years$24,525$18,470$13,714$10,059$7,304$2,184
27 years$23,364$17,382$12,734$9,207$6,585$1,859
28 years$22,288$16,379$11,838$8,436$5,942$1,583
29 years$21,288$15,452$11,017$7,736$5,365$1,348
30 years$20,356$14,593$10,262$7,099$4,848$1,149
31 years$19,486$13,795$9,567$6,520$4,383$979
32 years$18,672$13,053$8,926$5,992$3,965$834
33 years$17,909$12,361$8,334$5,510$3,588$711
34 years$17,192$11,716$7,787$5,070$3,248$606
35 years$16,518$11,112$7,280$4,667$2,942$517
36 years$15,882$10,547$6,810$4,298$2,666$441
37 years$15,283$10,017$6,374$3,960$2,416$376
38 years$14,716$9,520$5,969$3,650$2,190$321
39 years$14,180$9,053$5,593$3,366$1,986$274
40 years$13,672$8,613$5,242$3,105$1,802$233
41 years$13,189$8,199$4,915$2,864$1,635$199
42 years$12,731$7,808$4,611$2,643$1,483$170
43 years$12,296$7,439$4,327$2,440$1,346$145
44 years$11,881$7,091$4,061$2,253$1,222$124
45 years$11,486$6,762$3,813$2,081$1,109$105
46 years$11,110$6,451$3,582$1,922$1,007$90
47 years$10,750$6,156$3,365$1,776$914$77
48 years$10,406$5,877$3,162$1,641$830$65
49 years$10,078$5,612$2,972$1,516$754$56
50 years$9,763$5,361$2,794$1,402$685$48

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $10,000,000, adding $6,185 every year, while hoping to spend $49,062 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: 74/18/8 Blend
51$10,000,000$10,000,000$10,000,000$10,000,000
52$11,026,380$10,496,380$10,341,380$11,828,189
53$12,098,869$10,958,501$10,635,614$12,819,463
54$13,279,108$11,441,621$10,938,062$13,898,296
55$14,578,035$11,946,719$11,248,945$15,078,769
56$16,007,702$12,474,816$11,568,493$16,370,922
57$17,581,392$13,026,986$11,896,941$17,785,808
58$19,313,736$13,604,350$12,234,530$19,335,592
59$21,220,859$14,208,086$12,581,509$21,033,665
60$23,320,528$14,839,423$12,938,131$22,894,770
61$25,632,320$15,499,653$13,304,657$24,935,137
62$28,177,807$16,190,127$13,681,353$27,172,635
63$30,980,761$16,912,260$14,068,496$29,626,938
64$34,067,373$17,667,536$14,466,365$32,319,711
65$37,466,507$18,457,507$14,875,250$35,274,807
66$41,209,967$19,283,801$15,295,447$38,518,494
67$45,332,799$20,148,122$15,727,260$42,079,698
68$49,873,621$21,052,257$16,171,000$45,990,276
69$54,874,989$21,998,076$16,626,987$50,285,309
70$60,383,795$22,987,539$17,095,549$55,003,437
71$66,451,714$24,022,700$17,577,021$60,187,213
72$73,135,686$25,105,711$18,071,749$65,883,507
73$80,498,460$26,238,824$18,580,087$72,143,943
74$88,609,179$27,424,403$19,102,396$79,025,384
75$97,544,038$28,664,921$19,639,048$86,590,462
76$107,386,999$29,962,971$20,190,425$94,908,168
77$118,230,586$31,321,270$20,756,918$104,054,500
78$130,176,757$32,742,664$21,338,926$114,113,173
79$143,337,868$34,230,136$21,936,862$125,176,408
80$157,837,729$35,786,811$22,551,145$137,345,795
81$173,812,777$37,415,964$23,182,208$150,733,251
82$191,413,361$39,121,027$23,830,493$165,462,066
83$210,805,162$40,905,596$24,496,453$181,668,068
84$232,170,758$42,773,440$25,180,553$199,500,894
85$255,711,344$44,728,507$25,883,271$219,125,402
86$281,648,634$46,774,936$26,605,093$240,723,216
87$310,226,951$48,917,065$27,346,520$264,494,438
88$341,715,537$51,159,437$28,108,065$290,659,530
89$376,411,089$53,506,818$28,890,253$319,461,386
90$414,640,566$55,964,197$29,693,622$351,167,622
91$456,764,269$58,536,808$30,518,724$386,073,089
92$503,179,247$61,230,134$31,366,123$424,502,657
93$554,323,040$64,049,921$32,236,398$466,814,263
94$610,677,815$67,002,191$33,130,142$513,402,292
95$672,774,912$70,093,259$34,047,962$564,701,283
96$741,199,864$73,329,739$34,990,479$621,190,029
97$816,597,921$76,718,568$35,958,332$683,396,080
98$899,680,143$80,267,012$36,952,170$751,900,718
99$991,230,113$83,982,691$37,972,664$827,344,434
100$1,092,111,332$87,873,590$39,020,495$910,432,961