Can I retire at age 52 with 10,200,000?

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 $10,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.2%
1 years$842,306$834,804$827,484$820,339$813,362$802,533
2 years$416,983$409,217$401,691$394,394$387,315$376,423
3 years$275,228$267,428$259,921$252,692$245,729$235,111
4 years$204,364$196,588$189,156$182,050$175,256$164,995
5 years$161,856$154,127$146,793$139,832$133,227$123,352
6 years$133,527$125,857$118,630$111,825$105,418$95,941
7 years$113,300$105,694$98,582$91,937$85,733$76,658
8 years$98,137$90,599$83,606$77,124$71,124$62,450
9 years$86,349$78,883$72,009$65,692$59,896$51,619
10 years$76,925$69,532$62,779$56,628$51,035$43,148
11 years$69,219$61,900$55,270$49,283$43,892$36,388
12 years$62,802$55,558$49,051$43,228$38,036$30,907
13 years$57,377$50,208$43,824$38,164$33,168$26,405
14 years$52,730$45,638$39,376$33,877$29,075$22,667
15 years$48,707$41,691$35,551$30,213$25,600$19,536
16 years$45,190$38,251$32,232$27,052$22,625$16,895
17 years$42,090$35,227$29,330$24,306$20,061$14,652
18 years$39,337$32,552$26,775$21,905$17,837$12,738
19 years$36,878$30,169$24,511$19,793$15,899$11,097
20 years$34,667$28,034$22,495$17,926$14,201$9,685
21 years$32,669$26,113$20,691$16,269$12,708$8,465
22 years$30,855$24,375$19,070$14,792$11,391$7,409
23 years$29,201$22,798$17,608$13,472$10,225$6,492
24 years$27,688$21,360$16,284$12,287$9,191$5,695
25 years$26,297$20,045$15,082$11,221$8,270$4,999
26 years$25,016$18,839$13,988$10,260$7,450$4,392
27 years$23,831$17,730$12,989$9,391$6,716$3,861
28 years$22,734$16,707$12,075$8,604$6,060$3,397
29 years$21,713$15,761$11,237$7,890$5,472$2,989
30 years$20,763$14,885$10,467$7,241$4,945$2,632
31 years$19,875$14,071$9,758$6,651$4,470$2,318
32 years$19,045$13,314$9,104$6,112$4,044$2,043
33 years$18,267$12,609$8,501$5,621$3,660$1,801
34 years$17,536$11,950$7,943$5,172$3,313$1,588
35 years$16,848$11,334$7,426$4,761$3,001$1,400
36 years$16,200$10,758$6,947$4,384$2,719$1,235
37 years$15,588$10,218$6,502$4,040$2,464$1,089
38 years$15,010$9,710$6,089$3,723$2,234$961
39 years$14,463$9,234$5,704$3,433$2,026$848
40 years$13,945$8,785$5,347$3,167$1,838$749
41 years$13,453$8,363$5,014$2,922$1,667$661
42 years$12,986$7,964$4,703$2,696$1,513$583
43 years$12,542$7,588$4,413$2,489$1,373$515
44 years$12,119$7,233$4,142$2,298$1,246$455
45 years$11,716$6,898$3,890$2,122$1,131$401
46 years$11,332$6,580$3,653$1,961$1,027$354
47 years$10,965$6,279$3,432$1,811$933$313
48 years$10,615$5,994$3,225$1,674$847$276
49 years$10,279$5,724$3,032$1,547$769$244
50 years$9,959$5,468$2,850$1,430$699$216

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $10,200,000, adding $2,633 every year, while hoping to spend $30,682 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: 33/43/24 Blend
51$10,200,000$10,200,000$10,200,000$10,200,000
52$11,243,116$10,702,516$10,544,416$11,531,522
53$12,357,268$11,194,294$10,865,008$12,240,260
54$13,584,036$11,709,140$11,195,313$13,000,612
55$14,934,873$12,248,154$11,535,621$13,819,466
56$16,422,402$12,812,485$11,886,236$14,702,009
57$18,060,529$13,403,339$12,247,467$15,653,918
58$19,864,582$14,021,982$12,619,636$16,681,417
59$21,851,447$14,669,737$13,003,072$17,791,326
60$24,039,734$15,347,993$13,398,114$18,991,123
61$26,449,948$16,058,206$13,805,112$20,289,009
62$29,104,687$16,801,902$14,224,427$21,693,980
63$32,028,849$17,580,679$14,656,430$23,215,903
64$35,249,874$18,396,214$15,101,502$24,865,608
65$38,797,996$19,250,264$15,560,038$26,654,981
66$42,706,535$20,144,671$16,032,443$28,597,069
67$47,012,206$21,081,364$16,519,134$30,706,199
68$51,755,469$22,062,368$17,020,542$32,998,104
69$56,980,906$23,089,804$17,537,110$35,490,065
70$62,737,649$24,165,895$18,069,294$38,201,063
71$69,079,838$25,292,972$18,617,563$41,151,956
72$76,067,132$26,473,479$19,182,403$44,365,662
73$83,765,277$27,709,977$19,764,311$47,867,370
74$92,246,721$29,005,151$20,363,800$51,684,763
75$101,591,299$30,361,816$20,981,401$55,848,277
76$111,886,990$31,782,924$21,617,656$60,391,372
77$123,230,743$33,271,567$22,273,128$65,350,838
78$135,729,394$34,830,989$22,948,393$70,767,134
79$149,500,675$36,464,590$23,644,046$76,684,757
80$164,674,323$38,175,934$24,360,701$83,152,645
81$181,393,307$39,968,758$25,098,988$90,224,634
82$199,815,177$41,846,980$25,859,557$97,959,946
83$220,113,550$43,814,707$26,643,077$106,423,738
84$242,479,750$45,876,245$27,450,237$115,687,700
85$267,124,613$48,036,109$28,281,748$125,830,718
86$294,280,477$50,299,032$29,138,341$136,939,599
87$324,203,378$52,669,977$30,020,767$149,109,880
88$357,175,462$55,154,146$30,929,803$162,446,705
89$393,507,655$57,756,995$31,866,247$177,065,804
90$433,542,591$60,484,243$32,830,922$193,094,563
91$477,657,850$63,341,886$33,824,673$210,673,209
92$526,269,525$66,336,212$34,848,373$229,956,109
93$579,836,143$69,473,813$35,902,920$251,113,210
94$638,863,001$72,761,601$36,989,239$274,331,613
95$703,906,930$76,206,823$38,108,282$299,817,323
96$775,581,558$79,817,078$39,261,030$327,797,160
97$854,563,095$83,600,333$40,448,493$358,520,882
98$941,596,724$87,564,942$41,671,711$392,263,508
99$1,037,503,631$91,719,666$42,931,754$429,327,887
100$1,143,188,760$96,073,688$44,229,727$470,047,528