Can I retire at age 52 with 10,900,000?

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 $10,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.7%
1 years$900,112$892,094$884,272$876,637$869,181$862,980
2 years$445,600$437,301$429,258$421,460$413,896$407,643
3 years$294,116$285,781$277,758$270,033$262,593$256,481
4 years$218,389$210,079$202,137$194,544$187,283$181,361
5 years$172,964$164,705$156,867$149,428$142,370$136,654
6 years$142,691$134,494$126,772$119,499$112,652$107,150
7 years$121,076$112,948$105,348$98,247$91,616$86,330
8 years$104,872$96,817$89,343$82,417$76,005$70,935
9 years$92,275$84,297$76,951$70,201$64,007$59,152
10 years$82,204$74,303$67,088$60,514$54,537$49,894
11 years$73,969$66,148$59,063$52,665$46,904$42,470
12 years$67,112$59,371$52,417$46,194$40,646$36,417
13 years$61,314$53,654$46,831$40,783$35,444$31,416
14 years$56,349$48,770$42,078$36,202$31,070$27,237
15 years$52,049$44,552$37,991$32,286$27,356$23,714
16 years$48,291$40,876$34,444$28,909$24,178$20,721
17 years$44,978$37,645$31,343$25,974$21,438$18,160
18 years$42,037$34,786$28,612$23,408$19,061$15,957
19 years$39,408$32,239$26,193$21,151$16,990$14,053
20 years$37,046$29,958$24,039$19,156$15,176$12,400
21 years$34,911$27,905$22,111$17,386$13,580$10,960
22 years$32,972$26,048$20,379$15,808$12,173$9,702
23 years$31,205$24,362$18,816$14,396$10,927$8,599
24 years$29,588$22,826$17,402$13,130$9,822$7,630
25 years$28,102$21,421$16,117$11,991$8,838$6,778
26 years$26,733$20,132$14,948$10,964$7,961$6,025
27 years$25,467$18,947$13,881$10,036$7,177$5,361
28 years$24,294$17,853$12,904$9,195$6,476$4,773
29 years$23,203$16,843$12,008$8,432$5,848$4,252
30 years$22,188$15,906$11,185$7,738$5,284$3,790
31 years$21,239$15,037$10,428$7,107$4,777$3,379
32 years$20,352$14,228$9,729$6,532$4,321$3,015
33 years$19,520$13,474$9,084$6,006$3,911$2,691
34 years$18,739$12,770$8,488$5,526$3,541$2,402
35 years$18,004$12,112$7,935$5,087$3,207$2,145
36 years$17,312$11,496$7,423$4,685$2,906$1,916
37 years$16,658$10,919$6,948$4,317$2,634$1,712
38 years$16,041$10,377$6,507$3,979$2,388$1,530
39 years$15,456$9,867$6,096$3,669$2,165$1,368
40 years$14,902$9,388$5,714$3,384$1,964$1,223
41 years$14,376$8,936$5,358$3,122$1,782$1,093
42 years$13,877$8,511$5,026$2,881$1,617$978
43 years$13,403$8,109$4,716$2,660$1,467$874
44 years$12,951$7,730$4,427$2,456$1,332$782
45 years$12,520$7,371$4,157$2,268$1,209$700
46 years$12,110$7,032$3,904$2,095$1,098$626
47 years$11,718$6,710$3,668$1,936$997$560
48 years$11,343$6,406$3,447$1,789$905$501
49 years$10,985$6,117$3,240$1,653$822$448
50 years$10,642$5,843$3,046$1,528$747$401

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $10,900,000, adding $5,475 every year, while hoping to spend $59,198 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: 77/10/13 Blend
51$10,900,000$10,900,000$10,900,000$10,900,000
52$12,017,447$11,439,747$11,270,797$12,911,107
53$13,180,241$11,937,309$11,585,383$13,998,269
54$14,459,655$12,457,267$11,908,523$15,182,037
55$15,867,523$13,000,656$12,240,442$16,478,445
56$17,416,883$13,568,560$12,581,369$17,898,702
57$19,122,099$14,162,114$12,931,539$19,455,149
58$20,999,002$14,782,506$13,291,194$21,161,374
59$23,065,032$15,430,981$13,660,581$23,032,340
60$25,339,407$16,108,841$14,039,952$25,084,526
61$27,843,303$16,817,450$14,429,567$27,336,078
62$30,600,053$17,558,239$14,829,691$29,806,982
63$33,635,370$18,332,704$15,240,597$32,519,248
64$36,977,583$19,142,412$15,662,562$35,497,119
65$40,657,911$19,989,005$16,095,873$38,767,295
66$44,710,754$20,874,202$16,540,821$42,359,185
67$49,174,018$21,799,805$16,997,705$46,305,184
68$54,089,472$22,767,699$17,466,832$50,640,974
69$59,503,142$23,779,861$17,948,515$55,405,860
70$65,465,749$24,838,360$18,443,076$60,643,139
71$72,033,179$25,945,364$18,950,844$66,400,507
72$79,267,020$27,103,143$19,472,154$72,730,507
73$87,235,137$28,314,078$20,007,351$79,691,020
74$96,012,312$29,580,658$20,556,788$87,345,812
75$105,680,953$30,905,496$21,120,826$95,765,132
76$116,331,870$32,291,326$21,699,834$105,026,372
77$128,065,132$33,741,012$22,294,190$115,214,796
78$140,991,010$35,257,556$22,904,280$126,424,341
79$155,231,020$36,844,103$23,530,500$138,758,502
80$170,919,066$38,503,946$24,173,254$152,331,302
81$188,202,710$40,240,539$24,832,957$167,268,370
82$207,244,557$42,057,496$25,510,031$183,708,121
83$228,223,796$43,958,606$26,204,911$201,803,060
84$251,337,885$45,947,841$26,918,038$221,721,214
85$276,804,423$48,029,359$27,649,866$243,647,722
86$304,863,195$50,207,518$28,400,858$267,786,570
87$335,778,441$52,486,886$29,171,486$294,362,521
88$369,841,346$54,872,248$29,962,235$323,623,224
89$407,372,793$57,368,618$30,773,600$355,841,554
90$448,726,388$59,981,250$31,606,086$391,318,180
91$494,291,800$62,715,651$32,460,209$430,384,397
92$544,498,435$65,577,590$33,336,498$473,405,253
93$599,819,497$68,573,114$34,235,492$520,782,985
94$660,776,448$71,708,558$35,157,743$572,960,815
95$727,943,931$74,990,563$36,103,813$630,427,124
96$801,955,198$78,426,087$37,074,277$693,720,059
97$883,508,086$82,022,423$38,069,723$763,432,606
98$973,371,602$85,787,213$39,090,750$840,218,183
99$1,072,393,186$89,728,467$40,137,971$924,796,798
100$1,181,506,709$93,854,579$41,212,011$1,017,961,844