Can I retire at age 52 with 10,500,000?

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 $10,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$867,080$859,357$851,821$844,466$837,285$830,964
2 years$429,248$421,253$413,506$405,993$398,707$392,334
3 years$283,323$275,294$267,565$260,124$252,956$246,729
4 years$210,374$202,370$194,719$187,405$180,410$174,377
5 years$166,617$158,661$151,110$143,945$137,145$131,323
6 years$137,455$129,558$122,119$115,114$108,518$102,914
7 years$116,633$108,803$101,482$94,641$88,254$82,872
8 years$101,023$93,264$86,065$79,392$73,216$68,054
9 years$88,889$81,203$74,127$67,625$61,658$56,717
10 years$79,187$71,577$64,626$58,293$52,536$47,812
11 years$71,255$63,720$56,896$50,732$45,183$40,672
12 years$64,649$57,192$50,493$44,499$39,154$34,854
13 years$59,064$51,685$45,113$39,286$34,143$30,048
14 years$54,281$46,980$40,534$34,874$29,930$26,034
15 years$50,139$42,917$36,597$31,101$26,353$22,652
16 years$46,519$39,376$33,180$27,848$23,290$19,779
17 years$43,328$36,264$30,193$25,021$20,651$17,322
18 years$40,494$33,509$27,562$22,549$18,362$15,210
19 years$37,962$31,056$25,232$20,375$16,366$13,386
20 years$35,686$28,859$23,156$18,453$14,619$11,803
21 years$33,630$26,881$21,299$16,748$13,082$10,425
22 years$31,762$25,092$19,631$15,227$11,726$9,221
23 years$30,060$23,468$18,125$13,868$10,526$8,167
24 years$28,502$21,988$16,763$12,648$9,461$7,241
25 years$27,071$20,635$15,526$11,551$8,514$6,427
26 years$25,752$19,393$14,399$10,562$7,669$5,709
27 years$24,532$18,251$13,371$9,668$6,914$5,075
28 years$23,402$17,198$12,430$8,858$6,239$4,515
29 years$22,352$16,225$11,567$8,123$5,633$4,019
30 years$21,373$15,322$10,775$7,454$5,090$3,579
31 years$20,460$14,485$10,045$6,846$4,602$3,189
32 years$19,605$13,706$9,372$6,292$4,163$2,843
33 years$18,804$12,979$8,751$5,786$3,767$2,535
34 years$18,051$12,301$8,176$5,324$3,411$2,261
35 years$17,344$11,668$7,644$4,901$3,089$2,018
36 years$16,676$11,074$7,151$4,513$2,799$1,801
37 years$16,047$10,518$6,693$4,158$2,537$1,608
38 years$15,452$9,996$6,268$3,833$2,300$1,435
39 years$14,889$9,505$5,872$3,534$2,086$1,282
40 years$14,355$9,043$5,504$3,260$1,892$1,145
41 years$13,849$8,608$5,161$3,008$1,716$1,023
42 years$13,368$8,198$4,841$2,776$1,557$914
43 years$12,911$7,811$4,543$2,562$1,413$817
44 years$12,475$7,446$4,264$2,366$1,283$730
45 years$12,061$7,100$4,004$2,185$1,165$652
46 years$11,665$6,773$3,761$2,018$1,057$583
47 years$11,288$6,464$3,533$1,865$960$521
48 years$10,927$6,171$3,320$1,723$872$466
49 years$10,582$5,893$3,121$1,592$792$417
50 years$10,252$5,629$2,934$1,472$719$372

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $10,500,000, adding $6,396 every year, while hoping to spend $30,786 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: 55/32/13 Blend
51$10,500,000$10,500,000$10,500,000$10,500,000
52$11,577,597$11,021,097$10,858,347$12,175,115
53$12,725,756$11,528,375$11,189,346$13,088,764
54$13,989,996$12,059,478$11,530,401$14,079,201
55$15,382,123$12,615,540$11,881,818$15,156,924
56$16,915,149$13,197,751$12,243,908$16,330,261
57$18,603,412$13,807,359$12,616,997$17,608,362
58$20,462,710$14,445,669$13,001,416$19,001,288
59$22,510,451$15,114,051$13,397,508$20,520,095
60$24,765,818$15,813,941$13,805,626$22,176,940
61$27,249,951$16,546,844$14,226,134$23,985,189
62$29,986,144$17,314,337$14,659,407$25,959,540
63$33,000,064$18,118,072$15,105,830$28,116,158
64$36,319,997$18,959,784$15,565,802$30,472,821
65$39,977,111$19,841,289$16,039,731$33,049,087
66$44,005,754$20,764,490$16,528,040$35,866,469
67$48,443,775$21,731,383$17,031,163$38,948,635
68$53,332,881$22,744,062$17,549,548$42,321,627
69$58,719,033$23,804,719$18,083,656$46,014,100
70$64,652,877$24,915,653$18,633,961$50,057,587
71$71,190,226$26,079,275$19,200,954$54,486,789
72$78,392,580$27,298,112$19,785,138$59,339,901
73$86,327,715$28,574,811$20,387,031$64,658,958
74$95,070,315$29,912,150$21,007,170$70,490,230
75$104,702,682$31,313,039$21,646,104$76,884,653
76$115,315,508$32,780,530$22,304,401$83,898,295
77$127,008,737$34,317,823$22,982,646$91,592,885
78$139,892,503$35,928,272$23,681,439$100,036,383
79$154,088,173$37,615,392$24,401,402$109,303,612
80$169,729,490$39,382,869$25,143,173$119,476,958
81$186,963,837$41,234,570$25,907,409$130,647,135
82$205,953,630$43,174,544$26,694,788$142,914,034
83$226,877,844$45,207,041$27,506,007$156,387,654
84$249,933,713$47,336,515$28,341,787$171,189,128
85$275,338,581$49,567,633$29,202,866$187,451,856
86$303,331,962$51,905,293$30,090,008$205,322,754
87$334,177,796$54,354,627$31,003,998$224,963,624
88$368,166,944$56,921,017$31,945,645$246,552,673
89$405,619,930$59,610,104$32,915,781$270,286,176
90$446,889,969$62,427,805$33,915,266$296,380,318
91$492,366,302$65,380,323$34,944,983$325,073,220
92$542,477,867$68,474,162$36,005,843$356,627,167
93$597,697,354$71,716,140$37,098,783$391,331,070
94$658,545,661$75,113,407$38,224,768$429,503,177
95$725,596,814$78,673,461$39,384,795$471,494,055
96$799,483,390$82,404,161$40,579,886$517,689,886
97$880,902,481$86,313,750$41,811,097$568,516,085
98$970,622,281$90,410,870$43,079,516$624,441,303
99$1,069,489,334$94,704,584$44,386,260$685,981,822
100$1,178,436,529$99,204,392$45,732,483$753,706,412