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%19.9%
1 years$867,080$859,357$851,821$844,466$837,285$804,064
2 years$429,248$421,253$413,506$405,993$398,707$365,650
3 years$283,323$275,294$267,565$260,124$252,956$221,103
4 years$210,374$202,370$194,719$187,405$180,410$150,004
5 years$166,617$158,661$151,110$143,945$137,145$108,263
6 years$137,455$129,558$122,119$115,114$108,518$81,178
7 years$116,633$108,803$101,482$94,641$88,254$62,447
8 years$101,023$93,264$86,065$79,392$73,216$48,914
9 years$88,889$81,203$74,127$67,625$61,658$38,826
10 years$79,187$71,577$64,626$58,293$52,536$31,128
11 years$71,255$63,720$56,896$50,732$45,183$25,150
12 years$64,649$57,192$50,493$44,499$39,154$20,442
13 years$59,064$51,685$45,113$39,286$34,143$16,695
14 years$54,281$46,980$40,534$34,874$29,930$13,687
15 years$50,139$42,917$36,597$31,101$26,353$11,256
16 years$46,519$39,376$33,180$27,848$23,290$9,279
17 years$43,328$36,264$30,193$25,021$20,651$7,665
18 years$40,494$33,509$27,562$22,549$18,362$6,343
19 years$37,962$31,056$25,232$20,375$16,366$5,256
20 years$35,686$28,859$23,156$18,453$14,619$4,359
21 years$33,630$26,881$21,299$16,748$13,082$3,620
22 years$31,762$25,092$19,631$15,227$11,726$3,008
23 years$30,060$23,468$18,125$13,868$10,526$2,501
24 years$28,502$21,988$16,763$12,648$9,461$2,080
25 years$27,071$20,635$15,526$11,551$8,514$1,731
26 years$25,752$19,393$14,399$10,562$7,669$1,441
27 years$24,532$18,251$13,371$9,668$6,914$1,200
28 years$23,402$17,198$12,430$8,858$6,239$1,000
29 years$22,352$16,225$11,567$8,123$5,633$833
30 years$21,373$15,322$10,775$7,454$5,090$694
31 years$20,460$14,485$10,045$6,846$4,602$579
32 years$19,605$13,706$9,372$6,292$4,163$482
33 years$18,804$12,979$8,751$5,786$3,767$402
34 years$18,051$12,301$8,176$5,324$3,411$335
35 years$17,344$11,668$7,644$4,901$3,089$279
36 years$16,676$11,074$7,151$4,513$2,799$233
37 years$16,047$10,518$6,693$4,158$2,537$194
38 years$15,452$9,996$6,268$3,833$2,300$162
39 years$14,889$9,505$5,872$3,534$2,086$135
40 years$14,355$9,043$5,504$3,260$1,892$113
41 years$13,849$8,608$5,161$3,008$1,716$94
42 years$13,368$8,198$4,841$2,776$1,557$78
43 years$12,911$7,811$4,543$2,562$1,413$65
44 years$12,475$7,446$4,264$2,366$1,283$54
45 years$12,061$7,100$4,004$2,185$1,165$45
46 years$11,665$6,773$3,761$2,018$1,057$38
47 years$11,288$6,464$3,533$1,865$960$32
48 years$10,927$6,171$3,320$1,723$872$26
49 years$10,582$5,893$3,121$1,592$792$22
50 years$10,252$5,629$2,934$1,472$719$18

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 $5,335 every year, while hoping to spend $47,603 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: 79/11/10 Blend
51$10,500,000$10,500,000$10,500,000$10,500,000
52$11,576,503$11,020,003$10,857,253$12,471,476
53$12,706,657$11,509,334$11,170,322$13,549,200
54$13,950,491$12,021,047$11,492,283$14,724,521
55$15,319,551$12,556,188$11,823,384$16,012,514
56$16,826,558$13,115,853$12,163,879$17,424,405
57$18,485,527$13,701,191$12,514,030$18,972,557
58$20,311,906$14,313,404$12,874,105$20,670,585
59$22,322,712$14,953,752$13,244,380$22,533,476
60$24,536,699$15,623,556$13,625,136$24,577,740
61$26,974,530$16,324,198$14,016,666$26,821,556
62$29,658,975$17,057,127$14,419,268$29,284,944
63$32,615,125$17,823,860$14,833,247$31,989,955
64$35,870,626$18,625,988$15,258,919$34,960,875
65$39,455,944$19,465,175$15,696,607$38,224,450
66$43,404,649$20,343,168$16,146,643$41,810,144
67$47,753,735$21,261,795$16,609,367$45,750,407
68$52,543,965$22,222,972$17,085,129$50,080,985
69$57,820,257$23,228,706$17,574,289$54,841,253
70$63,632,111$24,281,100$18,077,216$60,074,585
71$70,034,071$25,382,358$18,594,287$65,828,758
72$77,086,243$26,534,790$19,125,892$72,156,407
73$84,854,860$27,740,815$19,672,430$79,115,514
74$93,412,909$29,002,969$20,234,310$86,769,956
75$102,840,819$30,323,908$20,811,953$95,190,102
76$113,227,220$31,706,416$21,405,790$104,453,477
77$124,669,777$33,153,412$22,016,265$114,645,491
78$137,276,117$34,667,951$22,643,832$125,860,240
79$151,164,839$36,253,239$23,288,959$138,201,394
80$166,466,638$37,912,633$23,952,124$151,783,168
81$183,325,534$39,649,651$24,633,819$166,731,403
82$201,900,235$41,467,980$25,334,549$183,184,743
83$222,365,634$43,371,486$26,054,831$201,295,947
84$244,914,458$45,364,219$26,795,198$221,233,322
85$269,759,090$47,450,422$27,556,193$243,182,310
86$297,133,570$49,634,546$28,338,378$267,347,234
87$327,295,806$51,921,251$29,142,327$293,953,222
88$360,530,011$54,315,425$29,968,628$323,248,327
89$397,149,382$56,822,190$30,817,886$355,505,867
90$437,499,055$59,446,913$31,690,721$391,026,995
91$481,959,368$62,195,222$32,587,770$430,143,541
92$530,949,449$65,073,013$33,509,686$473,221,137
93$584,931,170$68,086,468$34,457,138$520,662,663
94$644,413,511$71,242,066$35,430,813$572,912,045
95$709,957,360$74,546,599$36,431,416$630,458,440
96$782,180,812$78,007,184$37,459,670$693,840,844
97$861,765,002$81,631,283$38,516,316$763,653,179
98$949,460,535$85,426,718$39,602,115$840,549,886
99$1,046,094,570$89,401,688$40,717,847$925,252,102
100$1,152,578,632$93,564,787$41,864,311$1,018,554,458