Can I retire at age 52 with 10,700,000?

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 $10,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$883,596$875,725$868,047$860,552$853,233$823,943
2 years$437,424$429,277$421,382$413,727$406,301$377,091
3 years$288,719$280,537$272,662$265,079$257,774$229,560
4 years$214,381$206,225$198,428$190,974$183,847$156,845
5 years$169,790$161,683$153,988$146,687$139,757$114,039
6 years$140,073$132,026$124,445$117,306$110,585$86,171
7 years$118,854$110,875$103,415$96,444$89,935$66,821
8 years$102,948$95,041$87,704$80,905$74,610$52,777
9 years$90,582$82,750$75,539$68,913$62,833$42,254
10 years$80,696$72,940$65,857$59,403$53,536$34,178
11 years$72,612$64,934$57,979$51,699$46,043$27,867
12 years$65,881$58,281$51,455$45,347$39,900$22,864
13 years$60,189$52,669$45,972$40,034$34,794$18,853
14 years$55,315$47,875$41,306$35,538$30,500$15,608
15 years$51,094$43,735$37,294$31,694$26,854$12,964
16 years$47,405$40,126$33,812$28,378$23,734$10,797
17 years$44,153$36,954$30,768$25,498$21,044$9,012
18 years$41,266$34,147$28,087$22,979$18,712$7,535
19 years$38,685$31,648$25,712$20,763$16,678$6,310
20 years$36,366$29,408$23,597$18,805$14,897$5,291
21 years$34,270$27,393$21,705$17,067$13,331$4,441
22 years$32,367$25,570$20,005$15,518$11,950$3,730
23 years$30,633$23,915$18,471$14,132$10,727$3,136
24 years$29,045$22,407$17,082$12,889$9,641$2,638
25 years$27,586$21,028$15,822$11,771$8,676$2,220
26 years$26,242$19,763$14,674$10,763$7,815$1,869
27 years$25,000$18,599$13,626$9,852$7,046$1,574
28 years$23,848$17,526$12,667$9,026$6,357$1,327
29 years$22,778$16,534$11,788$8,277$5,741$1,118
30 years$21,781$15,614$10,980$7,596$5,187$942
31 years$20,850$14,761$10,236$6,977$4,690$794
32 years$19,979$13,967$9,551$6,412$4,242$670
33 years$19,162$13,227$8,917$5,896$3,839$565
34 years$18,395$12,536$8,332$5,425$3,476$476
35 years$17,674$11,890$7,790$4,994$3,148$402
36 years$16,994$11,285$7,287$4,599$2,852$339
37 years$16,353$10,718$6,821$4,238$2,585$286
38 years$15,746$10,186$6,387$3,906$2,344$241
39 years$15,172$9,686$5,984$3,602$2,125$204
40 years$14,629$9,216$5,609$3,322$1,928$172
41 years$14,113$8,772$5,259$3,065$1,749$145
42 years$13,623$8,355$4,933$2,828$1,587$122
43 years$13,157$7,960$4,629$2,611$1,440$103
44 years$12,713$7,588$4,345$2,411$1,307$87
45 years$12,290$7,236$4,080$2,226$1,187$73
46 years$11,887$6,903$3,832$2,057$1,078$62
47 years$11,503$6,587$3,600$1,900$979$52
48 years$11,135$6,288$3,383$1,756$889$44
49 years$10,783$6,005$3,180$1,623$807$37
50 years$10,447$5,736$2,990$1,500$733$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $10,700,000, adding $6,015 every year, while hoping to spend $56,434 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: 34/46/20 Blend
51$10,700,000$10,700,000$10,700,000$10,700,000
52$11,797,604$11,230,504$11,064,654$12,126,162
53$12,940,915$11,720,754$11,375,275$12,859,542
54$14,198,951$12,233,134$11,694,410$13,644,233
55$15,583,357$12,768,670$12,022,285$14,489,256
56$17,106,959$13,328,434$12,359,131$15,399,983
57$18,783,892$13,913,552$12,705,186$16,382,301
58$20,629,732$14,525,198$13,060,692$17,442,664
59$22,661,639$15,164,607$13,425,900$18,588,149
60$24,898,522$15,833,068$13,801,063$19,826,515
61$27,361,216$16,531,934$14,186,444$21,166,277
62$30,072,682$17,262,621$14,582,312$22,616,775
63$33,058,217$18,026,610$14,988,940$24,188,261
64$36,345,697$18,825,456$15,406,612$25,891,987
65$39,965,840$19,660,785$15,835,615$27,740,306
66$43,952,493$20,534,301$16,276,245$29,746,785
67$48,342,953$21,447,788$16,728,806$31,926,323
68$53,178,322$22,403,117$17,193,608$34,295,284
69$58,503,885$23,402,245$17,670,969$36,871,648
70$64,369,550$24,447,223$18,161,215$39,675,172
71$70,830,308$25,540,201$18,664,679$42,727,565
72$77,946,757$26,683,429$19,181,704$46,052,690
73$85,785,675$27,879,265$19,712,640$49,676,777
74$94,420,646$29,130,181$20,257,845$53,628,663
75$103,932,756$30,438,764$20,817,687$57,940,055
76$114,411,358$31,807,725$21,392,541$62,645,818
77$125,954,919$33,239,905$21,982,793$67,784,295
78$138,671,941$34,738,281$22,588,837$73,397,659
79$152,681,992$36,305,970$23,211,076$79,532,297
80$168,116,832$37,946,239$23,849,924$86,239,239
81$185,121,656$39,662,512$24,505,803$93,574,627
82$203,856,465$41,458,375$25,179,148$101,600,229
83$224,497,575$43,337,586$25,870,399$110,384,013
84$247,239,282$45,304,082$26,580,012$120,000,773
85$272,295,696$47,361,990$27,308,450$130,532,817
86$299,902,762$49,515,632$28,056,188$142,070,735
87$330,320,485$51,769,539$28,823,712$154,714,231
88$363,835,387$54,128,459$29,611,518$168,573,054
89$400,763,208$56,597,365$30,420,116$183,768,011
90$441,451,890$59,181,471$31,250,025$200,432,092
91$486,284,859$61,886,239$32,101,777$218,711,706
92$535,684,644$64,717,394$32,975,916$238,768,041
93$590,116,868$67,680,937$33,872,999$260,778,567
94$650,094,639$70,783,153$34,793,595$284,938,686
95$716,183,396$74,030,631$35,738,284$311,463,559
96$789,006,249$77,430,279$36,707,663$340,590,106
97$869,249,855$80,989,331$37,702,339$372,579,224
98$957,670,906$84,715,374$38,722,932$407,718,218
99$1,055,103,267$88,616,355$39,770,079$446,323,488
100$1,162,465,851$92,700,608$40,844,428$488,743,488