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%15.5%
1 years$883,596$875,725$868,047$860,552$853,233$833,962
2 years$437,424$429,277$421,382$413,727$406,301$386,989
3 years$288,719$280,537$272,662$265,079$257,774$239,024
4 years$214,381$206,225$198,428$190,974$183,847$165,803
5 years$169,790$161,683$153,988$146,687$139,757$122,471
6 years$140,073$132,026$124,445$117,306$110,585$94,074
7 years$118,854$110,875$103,415$96,444$89,935$74,203
8 years$102,948$95,041$87,704$80,905$74,610$59,650
9 years$90,582$82,750$75,539$68,913$62,833$48,633
10 years$80,696$72,940$65,857$59,403$53,536$40,083
11 years$72,612$64,934$57,979$51,699$46,043$33,317
12 years$65,881$58,281$51,455$45,347$39,900$27,882
13 years$60,189$52,669$45,972$40,034$34,794$23,461
14 years$55,315$47,875$41,306$35,538$30,500$19,829
15 years$51,094$43,735$37,294$31,694$26,854$16,822
16 years$47,405$40,126$33,812$28,378$23,734$14,315
17 years$44,153$36,954$30,768$25,498$21,044$12,212
18 years$41,266$34,147$28,087$22,979$18,712$10,441
19 years$38,685$31,648$25,712$20,763$16,678$8,943
20 years$36,366$29,408$23,597$18,805$14,897$7,671
21 years$34,270$27,393$21,705$17,067$13,331$6,589
22 years$32,367$25,570$20,005$15,518$11,950$5,666
23 years$30,633$23,915$18,471$14,132$10,727$4,877
24 years$29,045$22,407$17,082$12,889$9,641$4,201
25 years$27,586$21,028$15,822$11,771$8,676$3,622
26 years$26,242$19,763$14,674$10,763$7,815$3,124
27 years$25,000$18,599$13,626$9,852$7,046$2,696
28 years$23,848$17,526$12,667$9,026$6,357$2,328
29 years$22,778$16,534$11,788$8,277$5,741$2,010
30 years$21,781$15,614$10,980$7,596$5,187$1,737
31 years$20,850$14,761$10,236$6,977$4,690$1,501
32 years$19,979$13,967$9,551$6,412$4,242$1,298
33 years$19,162$13,227$8,917$5,896$3,839$1,122
34 years$18,395$12,536$8,332$5,425$3,476$970
35 years$17,674$11,890$7,790$4,994$3,148$839
36 years$16,994$11,285$7,287$4,599$2,852$726
37 years$16,353$10,718$6,821$4,238$2,585$628
38 years$15,746$10,186$6,387$3,906$2,344$543
39 years$15,172$9,686$5,984$3,602$2,125$470
40 years$14,629$9,216$5,609$3,322$1,928$407
41 years$14,113$8,772$5,259$3,065$1,749$352
42 years$13,623$8,355$4,933$2,828$1,587$305
43 years$13,157$7,960$4,629$2,611$1,440$264
44 years$12,713$7,588$4,345$2,411$1,307$228
45 years$12,290$7,236$4,080$2,226$1,187$198
46 years$11,887$6,903$3,832$2,057$1,078$171
47 years$11,503$6,587$3,600$1,900$979$148
48 years$11,135$6,288$3,383$1,756$889$128
49 years$10,783$6,005$3,180$1,623$807$111
50 years$10,447$5,736$2,990$1,500$733$96

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 $5,706 every year, while hoping to spend $39,268 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: 38/46/16 Blend
51$10,700,000$10,700,000$10,700,000$10,700,000
52$11,797,286$11,230,186$11,064,336$12,188,451
53$12,958,828$11,738,684$11,393,210$12,977,790
54$14,237,532$12,270,783$11,731,786$13,826,093
55$15,645,305$12,827,596$12,080,346$14,742,026
56$17,195,272$13,410,294$12,439,183$15,731,695
57$18,901,890$14,020,099$12,808,596$16,801,796
58$20,781,094$14,658,295$13,188,895$17,959,672
59$22,850,439$15,326,225$13,580,397$19,213,376
60$25,129,273$16,025,299$13,983,429$20,571,742
61$27,638,912$16,756,992$14,398,327$22,044,467
62$30,402,848$17,522,851$14,825,438$23,642,190
63$33,446,965$18,324,498$15,265,117$25,376,592
64$36,799,788$19,163,631$15,717,731$27,260,499
65$40,492,747$20,042,030$16,183,656$29,307,994
66$44,560,479$20,961,561$16,663,280$31,534,546
67$49,041,150$21,924,179$17,157,002$33,957,147
68$53,976,818$22,931,934$17,665,232$36,594,465
69$59,413,828$23,986,974$18,188,392$39,467,016
70$65,403,251$25,091,548$18,726,916$42,597,343
71$72,001,366$26,248,017$19,281,250$46,010,225
72$79,270,188$27,458,853$19,851,855$49,732,902
73$87,278,058$28,726,647$20,439,203$53,795,321
74$96,100,283$30,054,117$21,043,780$58,230,409
75$105,819,851$31,444,107$21,666,085$63,074,374
76$116,528,211$32,899,604$22,306,635$68,367,037
77$128,326,138$34,423,734$22,965,956$74,152,195
78$141,324,683$36,019,776$23,644,595$80,478,024
79$155,646,222$37,691,166$24,343,110$87,397,522
80$171,425,610$39,441,507$25,062,078$94,968,993
81$188,811,455$41,274,573$25,802,090$103,256,588
82$207,967,520$43,194,324$26,563,757$112,330,897
83$229,074,269$45,204,907$27,347,704$122,269,595
84$252,330,569$47,310,672$28,154,576$133,158,166
85$277,955,569$49,516,177$28,985,037$145,090,690
86$306,190,768$51,826,201$29,839,767$158,170,716
87$337,302,296$54,245,754$30,719,468$172,512,222
88$371,583,421$56,780,087$31,624,862$188,240,670
89$409,357,325$59,434,706$32,556,689$205,494,177
90$450,980,147$62,215,382$33,515,713$224,424,789
91$496,844,350$65,128,164$34,502,718$245,199,904
92$547,382,426$68,179,396$35,518,511$268,003,827
93$603,070,974$71,375,727$36,563,921$293,039,484
94$664,435,203$74,724,127$37,639,803$320,530,317
95$732,053,890$78,231,905$38,747,032$350,722,366
96$806,564,841$81,906,723$39,886,512$383,886,565
97$888,670,915$85,756,613$41,059,170$420,321,274
98$979,146,657$89,789,996$42,265,961$460,355,063
99$1,078,845,611$94,015,700$43,507,866$504,349,784
100$1,188,708,377$98,442,983$44,785,893$552,703,957