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

Use the below retirement simulation to view the chances of a successful retirement.
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%16.2%
1 years$883,596$875,725$868,047$860,552$853,233$831,594
2 years$437,424$429,277$421,382$413,727$406,301$384,641
3 years$288,719$280,537$272,662$265,079$257,774$236,770
4 years$214,381$206,225$198,428$190,974$183,847$163,660
5 years$169,790$161,683$153,988$146,687$139,757$120,444
6 years$140,073$132,026$124,445$117,306$110,585$92,165
7 years$118,854$110,875$103,415$96,444$89,935$72,409
8 years$102,948$95,041$87,704$80,905$74,610$57,971
9 years$90,582$82,750$75,539$68,913$62,833$47,065
10 years$80,696$72,940$65,857$59,403$53,536$38,622
11 years$72,612$64,934$57,979$51,699$46,043$31,960
12 years$65,881$58,281$51,455$45,347$39,900$26,624
13 years$60,189$52,669$45,972$40,034$34,794$22,298
14 years$55,315$47,875$41,306$35,538$30,500$18,756
15 years$51,094$43,735$37,294$31,694$26,854$15,834
16 years$47,405$40,126$33,812$28,378$23,734$13,407
17 years$44,153$36,954$30,768$25,498$21,044$11,380
18 years$41,266$34,147$28,087$22,979$18,712$9,679
19 years$38,685$31,648$25,712$20,763$16,678$8,247
20 years$36,366$29,408$23,597$18,805$14,897$7,037
21 years$34,270$27,393$21,705$17,067$13,331$6,013
22 years$32,367$25,570$20,005$15,518$11,950$5,142
23 years$30,633$23,915$18,471$14,132$10,727$4,402
24 years$29,045$22,407$17,082$12,889$9,641$3,771
25 years$27,586$21,028$15,822$11,771$8,676$3,233
26 years$26,242$19,763$14,674$10,763$7,815$2,773
27 years$25,000$18,599$13,626$9,852$7,046$2,379
28 years$23,848$17,526$12,667$9,026$6,357$2,043
29 years$22,778$16,534$11,788$8,277$5,741$1,754
30 years$21,781$15,614$10,980$7,596$5,187$1,507
31 years$20,850$14,761$10,236$6,977$4,690$1,295
32 years$19,979$13,967$9,551$6,412$4,242$1,113
33 years$19,162$13,227$8,917$5,896$3,839$957
34 years$18,395$12,536$8,332$5,425$3,476$822
35 years$17,674$11,890$7,790$4,994$3,148$707
36 years$16,994$11,285$7,287$4,599$2,852$608
37 years$16,353$10,718$6,821$4,238$2,585$523
38 years$15,746$10,186$6,387$3,906$2,344$450
39 years$15,172$9,686$5,984$3,602$2,125$387
40 years$14,629$9,216$5,609$3,322$1,928$333
41 years$14,113$8,772$5,259$3,065$1,749$286
42 years$13,623$8,355$4,933$2,828$1,587$246
43 years$13,157$7,960$4,629$2,611$1,440$212
44 years$12,713$7,588$4,345$2,411$1,307$182
45 years$12,290$7,236$4,080$2,226$1,187$157
46 years$11,887$6,903$3,832$2,057$1,078$135
47 years$11,503$6,587$3,600$1,900$979$116
48 years$11,135$6,288$3,383$1,756$889$100
49 years$10,783$6,005$3,180$1,623$807$86
50 years$10,447$5,736$2,990$1,500$733$74

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 $5,239 every year, while hoping to spend $44,855 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: 61/26/13 Blend
51$10,700,000$10,700,000$10,700,000$10,700,000
52$11,796,804$11,229,704$11,063,854$12,478,893
53$12,952,353$11,732,234$11,386,768$13,440,335
54$14,224,264$12,257,885$11,718,996$14,483,460
55$15,624,359$12,807,742$12,060,803$15,620,647
56$17,165,665$13,382,942$12,412,461$16,860,998
57$18,862,534$13,984,677$12,774,249$18,214,523
58$20,730,782$14,614,196$13,146,456$19,692,234
59$22,787,835$15,272,805$13,529,376$21,306,242
60$25,052,897$15,961,875$13,923,312$23,069,870
61$27,547,128$16,682,842$14,328,578$24,997,776
62$30,293,843$17,437,210$14,745,494$27,106,087
63$33,318,736$18,226,554$15,174,389$29,412,548
64$36,650,118$19,052,526$15,615,602$31,936,687
65$40,319,186$19,916,856$16,069,481$34,699,994
66$44,360,318$20,821,357$16,536,384$37,726,121
67$48,811,396$21,767,929$17,016,678$41,041,101
68$53,714,163$22,758,562$17,510,741$44,673,588
69$59,114,618$23,795,342$18,018,961$48,655,125
70$65,063,450$24,880,455$18,541,738$53,020,436
71$71,616,516$26,016,192$19,079,481$57,807,750
72$78,835,368$27,204,952$19,632,610$63,059,153
73$86,787,833$28,449,252$20,201,560$68,820,985
74$95,548,653$29,751,727$20,786,774$75,144,269
75$105,200,194$31,115,140$21,388,709$82,085,187
76$115,833,218$32,542,386$22,007,834$89,705,604
77$127,547,742$34,036,498$22,644,633$98,073,646
78$140,453,983$35,600,658$23,299,599$107,264,337
79$154,673,396$37,238,197$23,973,243$117,360,300
80$170,339,822$38,952,609$24,666,086$128,452,527
81$187,600,751$40,747,553$25,378,667$140,641,236
82$206,618,712$42,626,867$26,111,536$154,036,803
83$227,572,809$44,594,573$26,865,261$168,760,797
84$250,660,412$46,654,883$27,640,424$184,947,125
85$276,099,019$48,812,217$28,437,623$202,743,276
86$304,128,308$51,071,205$29,257,473$222,311,713
87$335,012,401$53,436,700$30,100,603$243,831,394
88$369,042,356$55,913,788$30,967,664$267,499,447
89$406,538,915$58,507,803$31,859,319$293,533,027
90$447,855,532$61,224,332$32,776,254$322,171,349
91$493,381,707$64,069,236$33,719,170$353,677,935
92$543,546,667$67,048,654$34,688,788$388,343,091
93$598,823,414$70,169,025$35,685,849$426,486,636
94$659,733,191$73,437,097$36,711,114$468,460,902
95$726,850,404$76,859,942$37,765,364$514,654,050
96$800,808,042$80,444,975$38,849,400$565,493,720
97$882,303,654$84,199,971$39,964,047$621,451,049
98$972,105,935$88,133,077$41,110,150$683,045,104
99$1,071,061,978$92,252,836$42,288,578$750,847,768
100$1,180,105,276$96,568,201$43,500,222$825,489,114