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%19.1%
1 years$891,854$883,910$876,159$868,594$861,207$829,661
2 years$441,512$433,289$425,320$417,593$410,099$378,668
3 years$291,417$283,159$275,210$267,556$260,183$229,856
4 years$216,385$208,152$200,283$192,759$185,565$156,573
5 years$171,377$163,194$155,427$148,057$141,064$113,482
6 years$141,382$133,260$125,608$118,403$111,619$85,467
7 years$119,965$111,911$104,381$97,345$90,776$66,048
8 years$103,910$95,929$88,524$81,661$75,307$51,981
9 years$91,429$83,523$76,245$69,557$63,420$41,464
10 years$81,450$73,622$66,472$59,959$54,037$33,412
11 years$73,291$65,541$58,521$52,182$46,473$27,136
12 years$66,496$58,826$51,936$45,771$40,273$22,176
13 years$60,752$53,162$46,401$40,409$35,119$18,211
14 years$55,832$48,322$41,692$35,870$30,785$15,013
15 years$51,572$44,143$37,642$31,990$27,105$12,417
16 years$47,848$40,501$34,128$28,644$23,956$10,296
17 years$44,566$37,300$31,055$25,736$21,241$8,556
18 years$41,651$34,467$28,349$23,193$18,886$7,122
19 years$39,047$31,943$25,953$20,957$16,834$5,937
20 years$36,706$29,683$23,818$18,981$15,036$4,955
21 years$34,590$27,649$21,908$17,226$13,456$4,140
22 years$32,670$25,809$20,192$15,663$12,061$3,461
23 years$30,919$24,139$18,643$14,264$10,827$2,896
24 years$29,316$22,616$17,242$13,010$9,731$2,425
25 years$27,844$21,224$15,970$11,881$8,757$2,031
26 years$26,487$19,948$14,811$10,864$7,888$1,702
27 years$25,233$18,773$13,753$9,944$7,112$1,426
28 years$24,071$17,690$12,785$9,111$6,417$1,196
29 years$22,991$16,688$11,898$8,355$5,794$1,003
30 years$21,984$15,760$11,082$7,667$5,235$841
31 years$21,044$14,899$10,332$7,042$4,733$706
32 years$20,165$14,097$9,640$6,472$4,282$592
33 years$19,341$13,350$9,001$5,951$3,875$497
34 years$18,567$12,653$8,410$5,476$3,508$417
35 years$17,839$12,001$7,863$5,041$3,178$350
36 years$17,153$11,391$7,355$4,642$2,879$294
37 years$16,505$10,819$6,884$4,277$2,609$247
38 years$15,893$10,282$6,447$3,942$2,366$207
39 years$15,314$9,777$6,040$3,635$2,145$174
40 years$14,765$9,302$5,661$3,353$1,946$146
41 years$14,245$8,854$5,309$3,093$1,765$122
42 years$13,750$8,433$4,980$2,855$1,602$103
43 years$13,280$8,035$4,673$2,635$1,454$86
44 years$12,832$7,659$4,386$2,433$1,320$72
45 years$12,405$7,303$4,118$2,247$1,198$61
46 years$11,998$6,967$3,868$2,076$1,088$51
47 years$11,610$6,649$3,634$1,918$988$43
48 years$11,239$6,347$3,415$1,772$897$36
49 years$10,884$6,061$3,210$1,638$815$30
50 years$10,545$5,790$3,018$1,514$740$25

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 $4,551 every year, while hoping to spend $46,741 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: 40/33/27 Blend
51$10,800,000$10,800,000$10,800,000$10,800,000
52$11,906,294$11,333,894$11,166,494$12,287,393
53$13,071,004$11,839,523$11,490,840$13,069,931
54$14,352,948$12,368,361$11,824,484$13,911,285
55$15,764,034$12,921,496$12,167,690$14,820,647
56$17,317,384$13,500,068$12,520,726$15,804,271
57$19,027,457$14,105,271$12,883,870$16,869,021
58$20,910,184$14,738,355$13,257,406$18,022,432
59$22,983,119$15,400,631$13,641,625$19,272,777
60$25,265,607$16,093,472$14,036,829$20,629,143
61$27,778,962$16,818,315$14,443,326$22,101,508
62$30,546,671$17,576,668$14,861,433$23,700,836
63$33,594,616$18,370,109$15,291,476$25,439,174
64$36,951,315$19,200,293$15,733,788$27,329,758
65$40,648,194$20,068,952$16,188,715$29,387,137
66$44,719,882$20,977,903$16,656,609$31,627,301
67$49,204,538$21,929,047$17,137,833$34,067,833
68$54,144,210$22,924,380$17,632,760$36,728,061
69$59,585,234$23,965,989$18,141,772$39,629,241
70$65,578,669$25,056,064$18,665,263$42,794,746
71$72,180,781$26,196,899$19,203,636$46,250,285
72$79,453,570$27,390,896$19,757,308$50,024,136
73$87,465,360$28,640,576$20,326,703$54,147,408
74$96,291,439$29,948,577$20,912,261$58,654,324
75$106,014,774$31,317,665$21,514,429$63,582,538
76$116,726,790$32,750,739$22,133,671$68,973,483
77$128,528,234$34,250,837$22,770,461$74,872,752
78$141,530,128$35,821,143$23,425,286$81,330,523
79$155,854,814$37,464,991$24,098,645$88,402,017
80$171,637,108$39,185,879$24,791,054$96,148,018
81$189,025,578$40,987,472$25,503,038$104,635,427
82$208,183,938$42,873,609$26,235,142$113,937,893
83$229,292,600$44,848,317$26,987,919$124,136,488
84$252,550,374$46,915,813$27,761,943$135,320,470
85$278,176,343$49,080,519$28,557,799$147,588,103
86$306,411,935$51,347,069$29,376,090$161,047,583
87$337,523,198$53,720,320$30,217,435$175,818,037
88$371,803,312$56,205,365$31,082,467$192,030,639
89$409,575,360$58,807,538$31,971,840$209,829,833
90$451,195,373$61,532,433$32,886,222$229,374,681
91$497,055,691$64,385,912$33,826,301$250,840,349
92$547,588,671$67,374,121$34,792,782$274,419,742
93$603,270,764$70,503,502$35,786,388$300,325,314
94$664,627,014$73,780,806$36,807,865$328,791,049
95$732,236,015$77,213,110$37,857,973$360,074,654
96$806,735,370$80,807,835$38,937,497$394,459,971
97$888,827,715$84,572,756$40,047,241$432,259,641
98$979,287,348$88,516,026$41,188,029$473,818,025
99$1,078,967,538$92,646,192$42,360,708$519,514,440
100$1,188,808,583$96,972,212$43,566,148$569,766,713