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%19.5%
1 years$883,596$875,725$868,047$860,552$853,233$820,677
2 years$437,424$429,277$421,382$413,727$406,301$373,885
3 years$288,719$280,537$272,662$265,079$257,774$226,517
4 years$214,381$206,225$198,428$190,974$183,847$153,987
5 years$169,790$161,683$153,988$146,687$139,757$111,372
6 years$140,073$132,026$124,445$117,306$110,585$83,694
7 years$118,854$110,875$103,415$96,444$89,935$64,530
8 years$102,948$95,041$87,704$80,905$74,610$50,666
9 years$90,582$82,750$75,539$68,913$62,833$40,316
10 years$80,696$72,940$65,857$59,403$53,536$32,405
11 years$72,612$64,934$57,979$51,699$46,043$26,250
12 years$65,881$58,281$51,455$45,347$39,900$21,394
13 years$60,189$52,669$45,972$40,034$34,794$17,520
14 years$55,315$47,875$41,306$35,538$30,500$14,404
15 years$51,094$43,735$37,294$31,694$26,854$11,879
16 years$47,405$40,126$33,812$28,378$23,734$9,822
17 years$44,153$36,954$30,768$25,498$21,044$8,138
18 years$41,266$34,147$28,087$22,979$18,712$6,754
19 years$38,685$31,648$25,712$20,763$16,678$5,613
20 years$36,366$29,408$23,597$18,805$14,897$4,670
21 years$34,270$27,393$21,705$17,067$13,331$3,890
22 years$32,367$25,570$20,005$15,518$11,950$3,242
23 years$30,633$23,915$18,471$14,132$10,727$2,704
24 years$29,045$22,407$17,082$12,889$9,641$2,257
25 years$27,586$21,028$15,822$11,771$8,676$1,884
26 years$26,242$19,763$14,674$10,763$7,815$1,574
27 years$25,000$18,599$13,626$9,852$7,046$1,315
28 years$23,848$17,526$12,667$9,026$6,357$1,099
29 years$22,778$16,534$11,788$8,277$5,741$918
30 years$21,781$15,614$10,980$7,596$5,187$768
31 years$20,850$14,761$10,236$6,977$4,690$642
32 years$19,979$13,967$9,551$6,412$4,242$537
33 years$19,162$13,227$8,917$5,896$3,839$449
34 years$18,395$12,536$8,332$5,425$3,476$376
35 years$17,674$11,890$7,790$4,994$3,148$314
36 years$16,994$11,285$7,287$4,599$2,852$263
37 years$16,353$10,718$6,821$4,238$2,585$220
38 years$15,746$10,186$6,387$3,906$2,344$184
39 years$15,172$9,686$5,984$3,602$2,125$154
40 years$14,629$9,216$5,609$3,322$1,928$129
41 years$14,113$8,772$5,259$3,065$1,749$108
42 years$13,623$8,355$4,933$2,828$1,587$90
43 years$13,157$7,960$4,629$2,611$1,440$75
44 years$12,713$7,588$4,345$2,411$1,307$63
45 years$12,290$7,236$4,080$2,226$1,187$53
46 years$11,887$6,903$3,832$2,057$1,078$44
47 years$11,503$6,587$3,600$1,900$979$37
48 years$11,135$6,288$3,383$1,756$889$31
49 years$10,783$6,005$3,180$1,623$807$26
50 years$10,447$5,736$2,990$1,500$733$22

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 $4,849 every year, while hoping to spend $40,578 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: 51/24/25 Blend
51$10,700,000$10,700,000$10,700,000$10,700,000
52$11,796,402$11,229,302$11,063,452$12,315,061
53$12,956,460$11,736,363$11,390,903$13,182,776
54$14,233,484$12,266,910$11,727,963$14,121,246
55$15,639,362$12,822,051$12,074,913$15,140,884
56$17,187,193$13,402,947$12,432,038$16,249,419
57$18,891,409$14,010,814$12,799,634$17,455,344
58$20,767,916$14,646,927$13,178,005$18,767,999
59$22,834,238$15,312,622$13,567,463$20,197,650
60$25,109,688$16,009,297$13,968,330$21,755,585
61$27,615,543$16,738,420$14,380,936$23,454,219
62$30,375,253$17,501,527$14,805,621$25,307,205
63$33,414,655$18,300,228$15,242,736$27,329,559
64$36,762,221$19,136,211$15,692,639$29,537,803
65$40,449,327$20,011,244$16,155,702$31,950,111
66$44,510,543$20,927,180$16,632,303$34,586,476
67$48,983,969$21,885,963$17,122,836$37,468,902
68$53,911,585$22,889,625$17,627,702$40,621,599
69$59,339,652$23,940,302$18,147,315$44,071,211
70$65,319,148$25,040,229$18,682,101$47,847,061
71$71,906,248$26,191,747$19,232,499$51,981,425
72$79,162,856$27,397,313$19,798,958$56,509,827
73$87,157,186$28,659,500$20,381,942$61,471,374
74$95,964,408$29,981,006$20,981,927$66,909,115
75$105,667,360$31,364,656$21,599,403$72,870,444
76$116,357,321$32,813,415$22,234,874$79,407,540
77$128,134,883$34,330,388$22,888,857$86,577,852
78$141,110,894$35,918,829$23,561,886$94,444,636
79$155,407,504$37,582,151$24,254,509$103,077,544
80$171,159,323$39,323,930$24,967,288$112,553,276
81$188,514,685$41,147,914$25,700,804$122,956,291
82$207,637,053$43,058,032$26,455,651$134,379,604
83$228,706,560$45,058,403$27,232,443$146,925,646
84$251,921,708$47,153,344$28,031,808$160,707,231
85$277,501,244$49,347,379$28,854,396$175,848,604
86$305,686,224$51,645,254$29,700,871$192,486,612
87$336,742,287$54,051,939$30,571,918$210,771,978
88$370,962,164$56,572,649$31,468,242$230,870,717
89$408,668,443$59,212,846$32,390,565$252,965,691
90$450,216,608$61,978,259$33,339,633$277,258,326
91$495,998,401$64,874,893$34,316,210$303,970,498
92$546,445,517$67,909,043$35,321,083$333,346,617
93$602,033,681$71,087,307$36,355,060$365,655,920
94$663,287,136$74,416,604$37,418,973$401,194,998
95$730,783,592$77,904,186$38,513,677$440,290,584
96$805,159,683$81,557,656$39,640,051$483,302,620
97$887,116,976$85,384,985$40,798,997$530,627,641
98$977,428,588$89,394,531$41,991,445$582,702,500
99$1,076,946,494$93,595,053$43,218,348$640,008,474
100$1,186,609,563$97,995,736$44,480,689$703,075,794