Can I retire at age 52 with 10,600,000?

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 $10,600,000?

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$875,338$867,541$859,934$852,509$845,259$824,825
2 years$433,336$425,265$417,444$409,860$402,504$382,040
3 years$286,021$277,916$270,114$262,601$255,365$235,511
4 years$212,378$204,297$196,574$189,189$182,129$163,036
5 years$168,204$160,172$152,549$145,316$138,451$120,175
6 years$138,764$130,792$123,282$116,210$109,552$92,109
7 years$117,743$109,839$102,448$95,543$89,095$72,489
8 years$101,985$94,152$86,884$80,148$73,913$58,136
9 years$89,736$81,977$74,833$68,269$62,245$47,285
10 years$79,942$72,258$65,241$58,848$53,036$38,875
11 years$71,933$64,327$57,438$51,216$45,613$32,231
12 years$65,265$57,737$50,974$44,923$39,527$26,902
13 years$59,627$52,177$45,542$39,660$34,468$22,576
14 years$54,798$47,428$40,920$35,206$30,215$19,030
15 years$50,617$43,326$36,945$31,398$26,603$16,099
16 years$46,962$39,751$33,496$28,113$23,512$13,660
17 years$43,741$36,609$30,480$25,259$20,848$11,620
18 years$40,880$33,828$27,824$22,764$18,537$9,906
19 years$38,324$31,352$25,472$20,569$16,522$8,459
20 years$36,026$29,134$23,377$18,629$14,758$7,235
21 years$33,950$27,137$21,502$16,907$13,207$6,195
22 years$32,065$25,331$19,818$15,373$11,838$5,311
23 years$30,346$23,692$18,298$14,000$10,626$4,557
24 years$28,773$22,198$16,923$12,769$9,551$3,913
25 years$27,328$20,831$15,674$11,661$8,595$3,363
26 years$25,997$19,578$14,537$10,662$7,742$2,891
27 years$24,766$18,425$13,499$9,760$6,980$2,487
28 years$23,625$17,362$12,549$8,942$6,298$2,140
29 years$22,565$16,379$11,678$8,200$5,687$1,842
30 years$21,577$15,468$10,877$7,525$5,139$1,587
31 years$20,655$14,623$10,141$6,912$4,646$1,367
32 years$19,792$13,836$9,461$6,352$4,202$1,178
33 years$18,983$13,103$8,834$5,841$3,803$1,015
34 years$18,223$12,419$8,254$5,374$3,443$875
35 years$17,509$11,779$7,717$4,947$3,119$754
36 years$16,835$11,180$7,219$4,556$2,826$650
37 years$16,200$10,618$6,757$4,198$2,561$560
38 years$15,599$10,091$6,328$3,869$2,322$483
39 years$15,031$9,596$5,928$3,568$2,106$417
40 years$14,492$9,130$5,556$3,291$1,910$359
41 years$13,981$8,690$5,210$3,036$1,733$310
42 years$13,495$8,277$4,887$2,802$1,572$267
43 years$13,034$7,886$4,586$2,587$1,427$231
44 years$12,594$7,517$4,305$2,388$1,295$199
45 years$12,176$7,168$4,042$2,206$1,176$172
46 years$11,776$6,838$3,796$2,037$1,068$148
47 years$11,395$6,526$3,567$1,882$969$128
48 years$11,031$6,230$3,352$1,739$880$110
49 years$10,683$5,949$3,150$1,607$800$95
50 years$10,349$5,683$2,962$1,486$726$82

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $10,600,000, adding $5,500 every year, while hoping to spend $36,594 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: 63/30/7 Blend
51$10,600,000$10,600,000$10,600,000$10,600,000
52$11,686,873$11,125,073$10,960,773$12,407,285
53$12,839,999$11,631,266$11,289,023$13,394,527
54$14,109,516$12,161,036$11,627,043$14,467,175
55$15,507,260$12,715,499$11,975,122$15,637,346
56$17,046,268$13,295,827$12,333,556$16,914,484
57$18,740,909$13,903,244$12,702,652$18,308,971
58$20,607,015$14,539,036$13,082,724$19,832,227
59$22,662,031$15,204,550$13,474,097$21,496,810
60$24,925,182$15,901,196$13,877,102$23,316,535
61$27,417,650$16,630,455$14,292,085$25,306,600
62$30,162,779$17,393,875$14,719,398$27,483,723
63$33,186,289$18,193,081$15,159,404$29,866,299
64$36,516,524$19,029,776$15,612,479$32,474,570
65$40,184,719$19,905,744$16,079,006$35,330,809
66$44,225,289$20,822,856$16,559,382$38,459,528
67$48,676,163$21,783,069$17,054,015$41,887,705
68$53,579,132$22,788,441$17,563,325$45,645,030
69$58,980,252$23,841,122$18,087,745$49,764,188
70$64,930,270$24,943,370$18,627,717$54,281,154
71$71,485,113$26,097,550$19,183,701$59,235,531
72$78,706,407$27,306,142$19,756,167$64,670,919
73$86,662,061$28,571,744$20,345,599$70,635,319
74$95,426,912$29,897,080$20,952,497$77,181,579
75$105,083,425$31,285,005$21,577,374$84,367,888
76$115,722,475$32,738,512$22,220,757$92,258,316
77$127,444,206$34,260,737$22,883,191$100,923,417
78$140,358,972$35,854,970$23,565,235$110,440,880
79$154,588,381$37,524,657$24,267,464$120,896,259
80$170,266,442$39,273,412$24,990,470$132,383,772
81$187,540,833$41,105,022$25,734,864$145,007,182
82$206,574,288$43,023,458$26,501,272$158,880,764
83$227,546,141$45,032,883$27,290,340$174,130,378
84$250,654,013$47,137,660$28,102,732$190,894,648
85$276,115,680$49,342,363$28,939,132$209,326,255
86$304,171,128$51,651,788$29,800,242$229,593,373
87$335,084,819$54,070,962$30,686,786$251,881,240
88$369,148,186$56,605,154$31,599,508$276,393,901
89$406,682,385$59,259,891$32,539,176$303,356,115
90$448,041,326$62,040,963$33,506,576$333,015,468
91$493,615,015$64,954,445$34,502,521$365,644,696
92$543,833,235$68,006,701$35,527,844$401,544,244
93$599,169,603$71,204,407$36,583,404$441,045,087
94$660,146,039$74,554,560$37,670,085$484,511,842
95$727,337,698$78,064,496$38,788,796$532,346,188
96$801,378,394$81,741,907$39,940,471$584,990,648
97$882,966,587$85,594,857$41,126,073$642,932,741
98$972,871,974$89,631,801$42,346,593$706,709,570
99$1,071,942,760$93,861,603$43,603,048$776,912,874
100$1,181,113,657$98,293,558$44,896,486$854,194,586