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%17.5%
1 years$891,854$883,910$876,159$868,594$861,207$834,977
2 years$441,512$433,289$425,320$417,593$410,099$383,898
3 years$291,417$283,159$275,210$267,556$260,183$234,833
4 years$216,385$208,152$200,283$192,759$185,565$161,259
5 years$171,377$163,194$155,427$148,057$141,064$117,868
6 years$141,382$133,260$125,608$118,403$111,619$89,554
7 years$119,965$111,911$104,381$97,345$90,776$69,841
8 years$103,910$95,929$88,524$81,661$75,307$55,489
9 years$91,429$83,523$76,245$69,557$63,420$44,697
10 years$81,450$73,622$66,472$59,959$54,037$36,382
11 years$73,291$65,541$58,521$52,182$46,473$29,857
12 years$66,496$58,826$51,936$45,771$40,273$24,659
13 years$60,752$53,162$46,401$40,409$35,119$20,472
14 years$55,832$48,322$41,692$35,870$30,785$17,067
15 years$51,572$44,143$37,642$31,990$27,105$14,277
16 years$47,848$40,501$34,128$28,644$23,956$11,976
17 years$44,566$37,300$31,055$25,736$21,241$10,070
18 years$41,651$34,467$28,349$23,193$18,886$8,483
19 years$39,047$31,943$25,953$20,957$16,834$7,158
20 years$36,706$29,683$23,818$18,981$15,036$6,047
21 years$34,590$27,649$21,908$17,226$13,456$5,115
22 years$32,670$25,809$20,192$15,663$12,061$4,331
23 years$30,919$24,139$18,643$14,264$10,827$3,670
24 years$29,316$22,616$17,242$13,010$9,731$3,111
25 years$27,844$21,224$15,970$11,881$8,757$2,640
26 years$26,487$19,948$14,811$10,864$7,888$2,240
27 years$25,233$18,773$13,753$9,944$7,112$1,902
28 years$24,071$17,690$12,785$9,111$6,417$1,616
29 years$22,991$16,688$11,898$8,355$5,794$1,373
30 years$21,984$15,760$11,082$7,667$5,235$1,167
31 years$21,044$14,899$10,332$7,042$4,733$992
32 years$20,165$14,097$9,640$6,472$4,282$843
33 years$19,341$13,350$9,001$5,951$3,875$717
34 years$18,567$12,653$8,410$5,476$3,508$610
35 years$17,839$12,001$7,863$5,041$3,178$519
36 years$17,153$11,391$7,355$4,642$2,879$441
37 years$16,505$10,819$6,884$4,277$2,609$375
38 years$15,893$10,282$6,447$3,942$2,366$319
39 years$15,314$9,777$6,040$3,635$2,145$272
40 years$14,765$9,302$5,661$3,353$1,946$231
41 years$14,245$8,854$5,309$3,093$1,765$197
42 years$13,750$8,433$4,980$2,855$1,602$167
43 years$13,280$8,035$4,673$2,635$1,454$142
44 years$12,832$7,659$4,386$2,433$1,320$121
45 years$12,405$7,303$4,118$2,247$1,198$103
46 years$11,998$6,967$3,868$2,076$1,088$88
47 years$11,610$6,649$3,634$1,918$988$75
48 years$11,239$6,347$3,415$1,772$897$64
49 years$10,884$6,061$3,210$1,638$815$54
50 years$10,545$5,790$3,018$1,514$740$46

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 $6,027 every year, while hoping to spend $36,128 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: 66/16/18 Blend
51$10,800,000$10,800,000$10,800,000$10,800,000
52$11,907,817$11,335,417$11,168,017$12,640,411
53$13,083,974$11,852,412$11,503,706$13,648,700
54$14,378,889$12,393,530$11,849,429$14,745,752
55$15,804,636$12,959,913$12,205,485$15,944,126
56$17,374,520$13,552,761$12,572,181$17,253,760
57$19,103,205$14,173,329$12,949,832$18,685,585
58$21,006,844$14,822,934$13,338,763$20,251,633
59$23,103,240$15,502,956$13,739,310$21,965,148
60$25,412,010$16,214,841$14,151,817$23,840,702
61$27,954,770$16,960,103$14,576,638$25,894,339
62$30,755,340$17,740,332$15,014,138$28,143,717
63$33,839,968$18,557,191$15,464,695$30,608,277
64$37,237,576$19,412,424$15,928,694$33,309,420
65$40,980,037$20,307,862$16,406,533$36,270,708
66$45,102,472$21,245,418$16,898,624$39,518,083
67$49,643,584$22,227,103$17,405,387$43,080,111
68$54,646,020$23,255,022$17,927,258$46,988,243
69$60,156,776$24,331,380$18,464,683$51,277,116
70$66,227,640$25,458,491$19,018,123$55,984,870
71$72,915,681$26,638,778$19,588,052$61,153,506
72$80,283,787$27,874,784$20,174,957$66,829,281
73$88,401,256$29,169,172$20,779,341$73,063,139
74$97,344,455$30,524,732$21,401,721$79,911,188
75$107,197,539$31,944,393$22,042,627$87,435,225
76$118,053,241$33,431,222$22,702,608$95,703,315
77$130,013,754$34,988,434$23,382,228$104,790,428
78$143,191,690$36,619,400$24,082,066$114,779,143
79$157,711,146$38,327,655$24,802,719$125,760,424
80$173,708,875$40,116,902$25,544,802$137,834,470
81$191,335,575$41,991,025$26,308,948$151,111,655
82$210,757,313$43,954,094$27,095,807$165,713,569
83$232,157,091$46,010,378$27,906,049$181,774,153
84$255,736,577$48,164,349$28,740,364$199,440,964
85$281,718,003$50,420,697$29,599,462$218,876,556
86$310,346,268$52,784,340$30,484,072$240,260,008
87$341,891,247$55,260,432$31,394,948$263,788,613
88$376,650,337$57,854,376$32,332,862$289,679,725
89$414,951,270$60,571,839$33,298,611$318,172,808
90$457,155,200$63,418,759$34,293,015$349,531,686
91$503,660,115$66,401,364$35,316,916$384,047,028
92$554,904,598$69,526,181$36,371,183$422,039,079
93$611,371,959$72,800,056$37,456,710$463,860,677
94$673,594,804$76,230,164$38,574,415$509,900,572
95$742,160,060$79,824,029$39,725,244$560,587,089
96$817,714,519$83,589,538$40,910,172$616,392,154
97$900,970,937$87,534,963$42,130,200$677,835,747
98$992,714,770$91,668,974$43,386,360$745,490,793
99$1,093,811,586$96,000,663$44,679,712$819,988,558
100$1,205,215,234$100,539,561$46,011,348$902,024,602