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

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 $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%12.1%
1 years$858,822$851,172$843,709$836,424$829,311$822,019
2 years$425,160$417,241$409,567$402,127$394,910$387,562
3 years$280,624$272,672$265,017$257,647$250,547$243,371
4 years$208,371$200,443$192,865$185,620$178,692$171,743
5 years$165,030$157,149$149,671$142,574$135,839$129,137
6 years$136,145$128,324$120,956$114,017$107,485$101,038
7 years$115,522$107,767$100,515$93,740$87,414$81,226
8 years$100,061$92,376$85,245$78,636$72,518$66,589
9 years$88,043$80,430$73,421$66,981$61,071$55,398
10 years$78,433$70,895$64,010$57,738$52,035$46,616
11 years$70,576$63,114$56,354$50,249$44,752$39,582
12 years$64,033$56,647$50,013$44,075$38,781$33,855
13 years$58,502$51,193$44,683$38,912$33,818$29,131
14 years$53,764$46,533$40,148$34,542$29,645$25,190
15 years$49,662$42,508$36,248$30,805$26,102$21,873
16 years$46,076$39,001$32,864$27,583$23,069$19,060
17 years$42,915$35,918$29,905$24,783$20,454$16,658
18 years$40,109$33,190$27,299$22,334$18,187$14,596
19 years$37,601$30,760$24,991$20,181$16,210$12,817
20 years$35,346$28,584$22,936$18,278$14,479$11,277
21 years$33,309$26,625$21,097$16,588$12,957$9,938
22 years$31,460$24,853$19,444$15,082$11,615$8,771
23 years$29,774$23,245$17,953$13,736$10,426$7,750
24 years$28,230$21,779$16,603$12,528$9,371$6,856
25 years$26,813$20,438$15,378$11,441$8,432$6,071
26 years$25,506$19,209$14,262$10,461$7,596$5,380
27 years$24,299$18,078$13,244$9,575$6,848$4,772
28 years$23,179$17,034$12,312$8,773$6,179$4,235
29 years$22,139$16,070$11,457$8,045$5,580$3,760
30 years$21,170$15,176$10,672$7,383$5,042$3,341
31 years$20,265$14,347$9,949$6,781$4,558$2,969
32 years$19,418$13,575$9,283$6,232$4,123$2,640
33 years$18,625$12,856$8,667$5,731$3,731$2,349
34 years$17,880$12,184$8,098$5,273$3,378$2,090
35 years$17,178$11,557$7,571$4,854$3,060$1,860
36 years$16,518$10,969$7,083$4,470$2,772$1,656
37 years$15,894$10,418$6,629$4,119$2,513$1,475
38 years$15,305$9,901$6,208$3,796$2,278$1,313
39 years$14,747$9,415$5,816$3,501$2,066$1,170
40 years$14,218$8,957$5,452$3,229$1,874$1,042
41 years$13,717$8,527$5,112$2,979$1,700$929
42 years$13,241$8,120$4,795$2,749$1,543$828
43 years$12,788$7,737$4,500$2,538$1,400$738
44 years$12,357$7,375$4,224$2,343$1,271$657
45 years$11,946$7,033$3,966$2,164$1,154$586
46 years$11,554$6,709$3,725$1,999$1,047$522
47 years$11,180$6,402$3,499$1,847$951$466
48 years$10,823$6,112$3,288$1,707$864$415
49 years$10,481$5,837$3,091$1,577$784$370
50 years$10,154$5,575$2,906$1,458$713$330

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 $2,946 every year, while hoping to spend $42,936 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: 61/18/21 Blend
51$10,400,000$10,400,000$10,400,000$10,400,000
52$11,463,839$10,912,639$10,751,439$12,099,947
53$12,587,467$11,401,675$11,065,928$13,019,672
54$13,824,266$11,913,234$11,389,514$14,018,007
55$15,185,734$12,448,375$11,722,456$15,106,635
56$16,684,541$13,008,208$12,065,020$16,294,338
57$18,334,646$13,593,893$12,417,481$17,590,781
58$20,151,434$14,206,647$12,780,120$19,006,594
59$22,151,853$14,847,745$13,153,227$20,553,477
60$24,354,582$15,518,525$13,537,100$22,244,301
61$26,780,201$16,220,384$13,932,045$24,093,232
62$29,451,389$16,954,790$14,338,376$26,115,861
63$32,393,136$17,723,280$14,756,416$28,329,346
64$35,632,978$18,527,464$15,186,499$30,752,575
65$39,201,261$19,369,028$15,628,966$33,406,339
66$43,131,420$20,249,742$16,084,167$36,313,525
67$47,460,303$21,171,456$16,552,464$39,499,329
68$52,228,509$22,136,113$17,034,227$42,991,492
69$57,480,781$23,145,747$17,529,838$46,820,558
70$63,266,422$24,202,490$18,039,688$51,020,155
71$69,639,759$25,308,574$18,564,180$55,627,314
72$76,660,663$26,466,342$19,103,728$60,682,813
73$84,395,104$27,678,246$19,658,757$66,231,554
74$92,915,782$28,946,858$20,229,703$72,322,988
75$102,302,810$30,274,872$20,817,016$79,011,574
76$112,644,467$31,665,112$21,421,156$86,357,290
77$124,038,037$33,120,536$22,042,599$94,426,192
78$136,590,721$34,644,247$22,681,831$103,291,037
79$150,420,655$36,239,495$23,339,352$113,031,959
80$165,658,019$37,909,688$24,015,678$123,737,224
81$182,446,269$39,658,395$24,711,335$135,504,054
82$200,943,492$41,489,359$25,426,868$148,439,543
83$221,323,894$43,406,503$26,162,834$162,661,658
84$243,779,448$45,413,939$26,919,806$178,300,349
85$268,521,705$47,515,975$27,698,373$195,498,766
86$295,783,790$49,717,129$28,499,139$214,414,604
87$325,822,603$52,022,135$29,322,727$235,221,586
88$358,921,244$54,435,955$30,169,774$258,111,093
89$395,391,686$56,963,792$31,040,936$283,293,965
90$435,577,718$59,611,098$31,936,887$311,002,480
91$479,858,191$62,383,588$32,858,319$341,492,538
92$528,650,597$65,287,253$33,805,943$375,046,072
93$582,415,004$68,328,375$34,780,489$411,973,693
94$641,658,405$71,513,537$35,782,706$452,617,620
95$706,939,501$74,849,639$36,813,365$497,354,891
96$778,873,975$78,343,916$37,873,258$546,600,919
97$858,140,305$82,003,952$38,963,196$600,813,400
98$945,486,167$85,837,697$40,084,014$660,496,620
99$1,041,735,497$89,853,485$41,236,570$726,206,205
100$1,147,796,266$94,060,054$42,421,743$798,554,351