Can I retire at age 52 with 10,100,000?

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 $10,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$834,049$826,619$819,371$812,296$805,388$792,698
2 years$412,895$405,206$397,753$390,527$383,518$370,766
3 years$272,529$264,806$257,372$250,214$243,320$230,902
4 years$202,360$194,661$187,301$180,265$173,538$161,551
5 years$160,269$152,616$145,353$138,461$131,921$120,399
6 years$132,218$124,623$117,467$110,728$104,384$93,341
7 years$112,190$104,658$97,616$91,036$84,892$74,331
8 years$97,175$89,711$82,786$76,368$70,426$60,345
9 years$85,503$78,110$71,303$65,048$59,309$49,702
10 years$76,171$68,850$62,164$56,072$50,534$41,394
11 years$68,540$61,293$54,728$48,800$43,461$34,779
12 years$62,186$55,013$48,570$42,804$37,663$29,427
13 years$56,814$49,716$43,394$37,789$32,843$25,041
14 years$52,213$45,190$38,990$33,545$28,790$21,410
15 years$48,229$41,282$35,202$29,917$25,349$18,378
16 years$44,747$37,876$31,916$26,787$22,403$15,827
17 years$41,677$34,882$29,042$24,068$19,864$13,668
18 years$38,952$32,233$26,512$21,690$17,662$11,831
19 years$36,516$29,873$24,270$19,599$15,743$10,262
20 years$34,327$27,759$22,274$17,750$14,062$8,916
21 years$32,348$25,857$20,488$16,110$12,584$7,758
22 years$30,552$24,136$18,883$14,647$11,280$6,759
23 years$28,915$22,574$17,435$13,340$10,125$5,895
24 years$27,416$21,151$16,124$12,167$9,101$5,147
25 years$26,039$19,849$14,934$11,111$8,189$4,497
26 years$24,771$18,655$13,851$10,159$7,377$3,932
27 years$23,598$17,556$12,862$9,299$6,651$3,440
28 years$22,511$16,543$11,957$8,520$6,001$3,012
29 years$21,500$15,607$11,127$7,813$5,419$2,638
30 years$20,559$14,739$10,364$7,170$4,896$2,311
31 years$19,680$13,933$9,662$6,586$4,427$2,026
32 years$18,858$13,183$9,015$6,052$4,004$1,776
33 years$18,088$12,485$8,417$5,566$3,624$1,558
34 years$17,364$11,833$7,865$5,121$3,281$1,366
35 years$16,683$11,223$7,353$4,714$2,972$1,199
36 years$16,041$10,653$6,878$4,341$2,692$1,052
37 years$15,436$10,117$6,438$4,000$2,440$923
38 years$14,863$9,615$6,029$3,687$2,212$811
39 years$14,322$9,143$5,649$3,400$2,006$712
40 years$13,808$8,699$5,294$3,136$1,820$625
41 years$13,321$8,281$4,964$2,893$1,651$549
42 years$12,859$7,886$4,657$2,670$1,498$482
43 years$12,419$7,514$4,370$2,465$1,360$423
44 years$12,000$7,162$4,102$2,276$1,234$372
45 years$11,601$6,830$3,851$2,102$1,120$326
46 years$11,221$6,515$3,617$1,941$1,017$287
47 years$10,858$6,218$3,398$1,794$924$252
48 years$10,511$5,936$3,194$1,657$839$221
49 years$10,179$5,668$3,002$1,532$762$194
50 years$9,861$5,415$2,822$1,416$692$171

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $10,100,000, adding $3,568 every year, while hoping to spend $57,053 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: 24/50/26 Blend
51$10,100,000$10,100,000$10,100,000$10,100,000
52$11,133,880$10,598,580$10,442,030$11,309,310
53$12,208,832$11,057,207$10,731,134$11,915,562
54$13,391,517$11,536,394$11,028,011$12,559,576
55$14,692,863$12,037,089$11,332,861$13,248,401
56$16,124,912$12,560,283$11,645,889$13,985,795
57$17,700,932$13,107,015$11,967,305$14,775,871
58$19,435,540$13,678,372$12,297,323$15,623,121
59$21,344,846$14,275,493$12,636,164$16,532,463
60$23,446,598$14,899,570$12,984,053$17,509,276
61$25,760,352$15,551,850$13,341,220$18,559,451
62$28,307,659$16,233,642$13,707,902$19,689,435
63$31,112,263$16,946,313$14,084,340$20,906,291
64$34,200,330$17,691,298$14,470,781$22,217,758
65$37,600,689$18,470,098$14,867,478$23,632,318
66$41,345,111$19,284,285$15,274,690$25,159,265
67$45,468,602$20,135,504$15,692,682$26,808,795
68$50,009,738$21,025,482$16,121,725$28,592,086
69$55,011,024$21,956,024$16,562,096$30,521,403
70$60,519,301$22,929,022$17,014,079$32,610,203
71$66,586,183$23,946,457$17,477,963$34,873,254
72$73,268,545$25,010,404$17,954,046$37,326,766
73$80,629,060$26,123,038$18,442,630$39,988,538
74$88,736,793$27,286,635$18,944,027$42,878,113
75$97,667,846$28,503,581$19,458,552$46,016,956
76$107,506,084$29,776,374$19,986,532$49,428,645
77$118,343,920$31,107,632$20,528,296$53,139,083
78$130,283,191$32,500,096$21,084,184$57,176,734
79$143,436,114$33,956,639$21,654,542$61,572,876
80$157,926,353$35,480,269$22,239,725$66,361,890
81$173,890,179$37,074,140$22,840,093$71,581,568
82$191,477,758$38,741,554$23,456,017$77,273,457
83$210,854,570$40,485,971$24,087,874$83,483,240
84$232,202,968$42,311,015$24,736,050$90,261,152
85$255,723,901$44,220,486$25,400,938$97,662,436
86$281,638,811$46,218,361$26,082,942$105,747,856
87$310,191,721$48,308,812$26,782,471$114,584,248
88$341,651,538$50,496,206$27,499,946$124,245,138
89$376,314,595$52,785,120$28,235,794$134,811,415
90$414,507,444$55,180,351$28,990,453$146,372,080
91$456,589,939$57,686,924$29,764,370$159,025,063
92$502,958,635$60,310,105$30,557,998$172,878,128
93$554,050,528$63,055,413$31,371,804$188,049,874
94$610,347,184$65,928,630$32,206,260$204,670,823
95$672,379,278$68,935,814$33,061,852$222,884,639
96$740,731,611$72,083,316$33,939,071$242,849,452
97$816,048,626$75,377,789$34,838,420$264,739,331
98$899,040,492$78,826,207$35,760,414$288,745,895
99$990,489,808$82,435,877$36,705,573$315,080,101
100$1,091,258,991$86,214,457$37,674,432$343,974,201