Can I retire at age 52 with 10,400,000?

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 $10,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$858,822$851,172$843,709$836,424$829,311$809,262
2 years$425,160$417,241$409,567$402,127$394,910$374,832
3 years$280,624$272,672$265,017$257,647$250,547$231,067
4 years$208,371$200,443$192,865$185,620$178,692$159,960
5 years$165,030$157,149$149,671$142,574$135,839$117,907
6 years$136,145$128,324$120,956$114,017$107,485$90,371
7 years$115,522$107,767$100,515$93,740$87,414$71,121
8 years$100,061$92,376$85,245$78,636$72,518$57,039
9 years$88,043$80,430$73,421$66,981$61,071$46,393
10 years$78,433$70,895$64,010$57,738$52,035$38,142
11 years$70,576$63,114$56,354$50,249$44,752$31,623
12 years$64,033$56,647$50,013$44,075$38,781$26,395
13 years$58,502$51,193$44,683$38,912$33,818$22,150
14 years$53,764$46,533$40,148$34,542$29,645$18,671
15 years$49,662$42,508$36,248$30,805$26,102$15,795
16 years$46,076$39,001$32,864$27,583$23,069$13,402
17 years$42,915$35,918$29,905$24,783$20,454$11,401
18 years$40,109$33,190$27,299$22,334$18,187$9,719
19 years$37,601$30,760$24,991$20,181$16,210$8,299
20 years$35,346$28,584$22,936$18,278$14,479$7,098
21 years$33,309$26,625$21,097$16,588$12,957$6,078
22 years$31,460$24,853$19,444$15,082$11,615$5,211
23 years$29,774$23,245$17,953$13,736$10,426$4,471
24 years$28,230$21,779$16,603$12,528$9,371$3,839
25 years$26,813$20,438$15,378$11,441$8,432$3,299
26 years$25,506$19,209$14,262$10,461$7,596$2,837
27 years$24,299$18,078$13,244$9,575$6,848$2,440
28 years$23,179$17,034$12,312$8,773$6,179$2,100
29 years$22,139$16,070$11,457$8,045$5,580$1,808
30 years$21,170$15,176$10,672$7,383$5,042$1,557
31 years$20,265$14,347$9,949$6,781$4,558$1,341
32 years$19,418$13,575$9,283$6,232$4,123$1,155
33 years$18,625$12,856$8,667$5,731$3,731$996
34 years$17,880$12,184$8,098$5,273$3,378$858
35 years$17,178$11,557$7,571$4,854$3,060$740
36 years$16,518$10,969$7,083$4,470$2,772$638
37 years$15,894$10,418$6,629$4,119$2,513$550
38 years$15,305$9,901$6,208$3,796$2,278$474
39 years$14,747$9,415$5,816$3,501$2,066$409
40 years$14,218$8,957$5,452$3,229$1,874$353
41 years$13,717$8,527$5,112$2,979$1,700$304
42 years$13,241$8,120$4,795$2,749$1,543$262
43 years$12,788$7,737$4,500$2,538$1,400$226
44 years$12,357$7,375$4,224$2,343$1,271$195
45 years$11,946$7,033$3,966$2,164$1,154$168
46 years$11,554$6,709$3,725$1,999$1,047$145
47 years$11,180$6,402$3,499$1,847$951$125
48 years$10,823$6,112$3,288$1,707$864$108
49 years$10,481$5,837$3,091$1,577$784$93
50 years$10,154$5,575$2,906$1,458$713$80

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $10,400,000, adding $5,510 every year, while hoping to spend $41,227 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: 44/32/24 Blend
51$10,400,000$10,400,000$10,400,000$10,400,000
52$11,466,484$10,915,284$10,754,084$11,890,964
53$12,592,200$11,406,267$11,070,480$12,683,493
54$13,831,357$11,919,927$11,396,094$13,537,621
55$15,195,483$12,457,332$11,731,191$14,462,669
56$16,697,280$13,019,598$12,076,044$15,465,240
57$18,350,744$13,607,900$12,430,932$16,552,584
58$20,171,297$14,223,464$12,796,145$17,732,660
59$22,175,932$14,867,577$13,171,979$19,014,217
60$24,383,376$15,541,587$13,558,740$20,406,860
61$26,814,263$16,246,907$13,956,740$21,921,148
62$29,491,329$16,985,017$14,366,302$23,568,681
63$32,439,629$17,757,467$14,787,758$25,362,213
64$35,686,772$18,565,884$15,221,448$27,315,758
65$39,263,179$19,411,969$15,667,723$29,444,728
66$43,202,376$20,297,507$16,126,944$31,766,066
67$47,541,302$21,224,370$16,599,481$34,298,404
68$52,320,666$22,194,515$17,085,715$37,062,232
69$57,585,325$23,209,997$17,586,038$40,080,088
70$63,384,710$24,272,969$18,100,851$43,376,762
71$69,773,291$25,385,684$18,630,570$46,979,525
72$76,811,092$26,550,509$19,175,620$50,918,382
73$84,564,258$27,769,918$19,736,438$55,226,345
74$93,105,678$29,046,510$20,313,474$59,939,740
75$102,515,673$30,383,004$20,907,191$65,098,539
76$112,882,753$31,782,253$21,518,063$70,746,737
77$124,304,455$33,247,245$22,146,580$76,932,752
78$136,888,263$34,781,113$22,793,244$83,709,875
79$150,752,619$36,387,140$23,458,570$91,136,768
80$166,028,044$38,068,768$24,143,090$99,278,006
81$182,858,370$39,829,604$24,847,350$108,204,675
82$201,402,096$41,673,427$25,571,909$117,995,038
83$221,833,887$43,604,201$26,317,344$128,735,257
84$244,346,216$45,626,080$27,084,248$140,520,203
85$269,151,189$47,743,417$27,873,229$153,454,333
86$296,482,541$49,960,775$28,684,913$167,652,667
87$326,597,846$52,282,939$29,519,944$183,241,865
88$359,780,946$54,714,923$30,378,982$200,361,403
89$396,344,631$57,261,983$31,262,706$219,164,879
90$436,633,592$59,929,628$32,171,815$239,821,451
91$481,027,674$62,723,635$33,107,026$262,517,414
92$529,945,462$65,650,059$34,069,077$287,457,948
93$583,848,232$68,715,245$35,058,724$314,869,035
94$643,244,308$71,925,848$36,076,748$344,999,577
95$708,693,856$75,288,843$37,123,947$378,123,729
96$780,814,174$78,811,541$38,201,144$414,543,465
97$860,285,521$82,501,608$39,309,184$454,591,412
98$947,857,537$86,367,080$40,448,934$498,633,967
99$1,044,356,320$90,416,381$41,621,288$547,074,740
100$1,150,692,224$94,658,343$42,827,161$600,358,334