Can I retire at age 52 with 10,800,000?

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 $10,800,000?

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$891,854$883,910$876,159$868,594$861,207$831,644
2 years$441,512$433,289$425,320$417,593$410,099$380,615
3 years$291,417$283,159$275,210$267,556$260,183$231,706
4 years$216,385$208,152$200,283$192,759$185,565$158,311
5 years$171,377$163,194$155,427$148,057$141,064$115,105
6 years$141,382$133,260$125,608$118,403$111,619$86,976
7 years$119,965$111,911$104,381$97,345$90,776$67,445
8 years$103,910$95,929$88,524$81,661$75,307$53,270
9 years$91,429$83,523$76,245$69,557$63,420$42,648
10 years$81,450$73,622$66,472$59,959$54,037$34,497
11 years$73,291$65,541$58,521$52,182$46,473$28,127
12 years$66,496$58,826$51,936$45,771$40,273$23,077
13 years$60,752$53,162$46,401$40,409$35,119$19,029
14 years$55,832$48,322$41,692$35,870$30,785$15,754
15 years$51,572$44,143$37,642$31,990$27,105$13,085
16 years$47,848$40,501$34,128$28,644$23,956$10,898
17 years$44,566$37,300$31,055$25,736$21,241$9,096
18 years$41,651$34,467$28,349$23,193$18,886$7,606
19 years$39,047$31,943$25,953$20,957$16,834$6,369
20 years$36,706$29,683$23,818$18,981$15,036$5,340
21 years$34,590$27,649$21,908$17,226$13,456$4,482
22 years$32,670$25,809$20,192$15,663$12,061$3,765
23 years$30,919$24,139$18,643$14,264$10,827$3,165
24 years$29,316$22,616$17,242$13,010$9,731$2,663
25 years$27,844$21,224$15,970$11,881$8,757$2,241
26 years$26,487$19,948$14,811$10,864$7,888$1,887
27 years$25,233$18,773$13,753$9,944$7,112$1,589
28 years$24,071$17,690$12,785$9,111$6,417$1,339
29 years$22,991$16,688$11,898$8,355$5,794$1,128
30 years$21,984$15,760$11,082$7,667$5,235$951
31 years$21,044$14,899$10,332$7,042$4,733$802
32 years$20,165$14,097$9,640$6,472$4,282$676
33 years$19,341$13,350$9,001$5,951$3,875$570
34 years$18,567$12,653$8,410$5,476$3,508$481
35 years$17,839$12,001$7,863$5,041$3,178$406
36 years$17,153$11,391$7,355$4,642$2,879$342
37 years$16,505$10,819$6,884$4,277$2,609$289
38 years$15,893$10,282$6,447$3,942$2,366$243
39 years$15,314$9,777$6,040$3,635$2,145$205
40 years$14,765$9,302$5,661$3,353$1,946$173
41 years$14,245$8,854$5,309$3,093$1,765$146
42 years$13,750$8,433$4,980$2,855$1,602$123
43 years$13,280$8,035$4,673$2,635$1,454$104
44 years$12,832$7,659$4,386$2,433$1,320$88
45 years$12,405$7,303$4,118$2,247$1,198$74
46 years$11,998$6,967$3,868$2,076$1,088$63
47 years$11,610$6,649$3,634$1,918$988$53
48 years$11,239$6,347$3,415$1,772$897$45
49 years$10,884$6,061$3,210$1,638$815$38
50 years$10,545$5,790$3,018$1,514$740$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $10,800,000, adding $2,128 every year, while hoping to spend $29,027 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: 38/33/29 Blend
51$10,800,000$10,800,000$10,800,000$10,800,000
52$11,903,795$11,331,395$11,163,995$12,253,297
53$13,087,098$11,855,749$11,507,104$13,035,306
54$14,390,124$12,404,823$11,860,735$13,877,086
55$15,825,056$12,979,799$12,225,209$14,786,320
56$17,405,316$13,581,913$12,600,857$15,769,158
57$19,145,694$14,212,463$12,988,022$16,832,344
58$21,062,490$14,872,808$13,387,056$17,983,281
59$23,173,663$15,564,375$13,798,321$19,230,091
60$25,499,003$16,288,656$14,222,192$20,581,692
61$28,060,320$17,047,219$14,659,054$22,047,872
62$30,881,644$17,841,704$15,109,303$23,639,384
63$33,989,457$18,673,833$15,573,351$25,368,035
64$37,412,941$19,545,409$16,051,617$27,246,796
65$41,184,251$20,458,325$16,544,536$29,289,918
66$45,338,824$21,414,562$17,052,557$31,513,060
67$49,915,706$22,416,198$17,576,140$33,933,432
68$54,957,930$23,465,413$18,115,762$36,569,949
69$60,512,910$24,564,490$18,671,912$39,443,407
70$66,632,901$25,715,824$19,245,095$42,576,667
71$73,375,483$26,921,925$19,835,832$45,994,865
72$80,804,108$28,185,425$20,444,658$49,725,646
73$88,988,698$29,509,083$21,072,125$53,799,411
74$98,006,308$30,895,790$21,718,804$58,249,598
75$107,941,849$32,348,581$22,385,281$63,112,991
76$118,888,889$33,870,634$23,072,160$68,430,055
77$130,950,543$35,465,281$23,780,064$74,245,310
78$144,240,437$37,136,019$24,509,635$80,607,742
79$158,883,788$38,886,510$25,261,534$87,571,251
80$175,018,582$40,720,597$26,036,443$95,195,155
81$192,796,877$42,642,306$26,835,064$103,544,736
82$212,386,239$44,655,860$27,658,120$112,691,842
83$233,971,326$46,765,687$28,506,357$122,715,555
84$257,755,624$48,976,429$29,380,543$133,702,927
85$283,963,377$51,292,953$30,281,470$145,749,782
86$312,841,695$53,720,361$31,209,953$158,961,613
87$344,662,895$56,264,006$32,166,833$173,454,558
88$379,727,064$58,929,496$33,152,976$189,356,485
89$418,364,899$61,722,715$34,169,275$206,808,179
90$460,940,821$64,649,831$35,216,648$225,964,657
91$507,856,422$67,717,310$36,296,043$246,996,613
92$559,554,253$70,931,934$37,408,436$270,092,008
93$616,522,002$74,300,814$38,554,834$295,457,831
94$679,297,097$77,831,405$39,736,272$323,322,027
95$748,471,783$81,531,526$40,953,819$353,935,631
96$824,698,707$85,409,373$42,208,575$387,575,113
97$908,697,087$89,473,544$43,501,673$424,544,967
98$1,001,259,492$93,733,050$44,834,282$465,180,563
99$1,103,259,336$98,197,345$46,207,606$509,851,282
100$1,215,659,111$102,876,338$47,622,884$558,963,981