Can I retire at age 52 with 12,100,000?

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 $12,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$999,207$990,306$981,623$973,147$964,871$933,611
2 years$494,657$485,444$476,516$467,859$459,462$428,262
3 years$326,495$317,243$308,337$299,762$291,502$261,340
4 years$242,431$233,207$224,391$215,962$207,902$179,009
5 years$192,006$182,837$174,136$165,879$158,043$130,498
6 years$158,400$149,300$140,728$132,655$125,054$98,879
7 years$134,405$125,382$116,946$109,063$101,703$76,894
8 years$116,417$107,476$99,179$91,490$84,372$60,913
9 years$102,434$93,577$85,423$77,929$71,054$48,916
10 years$91,254$82,484$74,474$67,176$60,541$39,692
11 years$82,113$73,430$65,565$58,463$52,067$32,468
12 years$74,500$65,907$58,188$51,280$45,121$26,727
13 years$68,064$59,561$51,987$45,273$39,346$22,114
14 years$62,552$54,139$46,710$40,188$34,490$18,372
15 years$57,780$49,457$42,173$35,841$30,368$15,314
16 years$53,608$45,376$38,236$32,091$26,839$12,800
17 years$49,930$41,789$34,793$28,834$23,798$10,723
18 years$46,665$38,615$31,762$25,985$21,160$9,000
19 years$43,747$35,788$29,077$23,480$18,860$7,565
20 years$41,124$33,256$26,685$21,265$16,846$6,367
21 years$38,754$30,977$24,545$19,300$15,076$5,365
22 years$36,602$28,916$22,622$17,548$13,513$4,525
23 years$34,641$27,044$20,887$15,981$12,130$3,819
24 years$32,845$25,339$19,317$14,576$10,903$3,225
25 years$31,196$23,779$17,892$13,311$9,811$2,725
26 years$29,676$22,349$16,594$12,171$8,837$2,304
27 years$28,271$21,033$15,409$11,141$7,968$1,948
28 years$26,968$19,819$14,324$10,207$7,189$1,648
29 years$25,758$18,697$13,330$9,360$6,492$1,395
30 years$24,630$17,657$12,416$8,590$5,866$1,180
31 years$23,578$16,692$11,576$7,890$5,303$999
32 years$22,593$15,794$10,800$7,251$4,797$846
33 years$21,669$14,957$10,084$6,668$4,341$716
34 years$20,802$14,176$9,422$6,135$3,931$607
35 years$19,986$13,446$8,809$5,647$3,560$514
36 years$19,218$12,762$8,241$5,201$3,226$435
37 years$18,492$12,121$7,713$4,792$2,924$369
38 years$17,806$11,519$7,223$4,417$2,650$312
39 years$17,158$10,954$6,767$4,073$2,403$265
40 years$16,543$10,421$6,343$3,757$2,180$224
41 years$15,959$9,920$5,948$3,466$1,978$190
42 years$15,405$9,448$5,579$3,199$1,795$161
43 years$14,878$9,002$5,235$2,953$1,629$136
44 years$14,377$8,581$4,914$2,726$1,478$116
45 years$13,899$8,182$4,614$2,518$1,342$98
46 years$13,443$7,806$4,334$2,326$1,219$83
47 years$13,008$7,449$4,071$2,149$1,107$70
48 years$12,592$7,111$3,826$1,985$1,005$60
49 years$12,194$6,791$3,596$1,835$913$51
50 years$11,814$6,487$3,381$1,696$829$43

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $12,100,000, adding $6,332 every year, while hoping to spend $31,264 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: 36/37/27 Blend
51$12,100,000$12,100,000$12,100,000$12,100,000
52$13,340,731$12,699,431$12,511,881$13,712,526
53$14,668,221$13,288,439$12,897,765$14,578,001
54$16,130,068$13,905,260$13,295,527$15,508,412
55$17,739,941$14,551,224$13,705,534$16,512,278
56$19,512,907$15,227,726$14,128,161$17,596,223
57$21,465,565$15,936,226$14,563,797$18,767,507
58$23,616,208$16,678,257$15,012,839$20,034,094
59$25,984,993$17,455,424$15,475,701$21,404,717
60$28,594,133$18,269,409$15,952,807$22,888,962
61$31,468,102$19,121,978$16,444,594$24,497,345
62$34,633,873$20,014,980$16,951,513$26,241,409
63$38,121,168$20,950,354$17,474,028$28,133,829
64$41,962,738$21,930,132$18,012,619$30,188,521
65$46,194,675$22,956,446$18,567,779$32,420,766
66$50,856,748$24,031,528$19,140,017$34,847,353
67$55,992,785$25,157,722$19,729,856$37,486,723
68$61,651,080$26,337,481$20,337,837$40,359,139
69$67,884,853$27,573,380$20,964,517$43,486,870
70$74,752,749$28,868,117$21,610,470$46,894,388
71$82,319,396$30,224,521$22,276,287$50,608,595
72$90,656,009$31,645,558$22,962,577$54,659,066
73$99,841,068$33,134,336$23,669,969$59,078,317
74$109,961,055$34,694,116$24,399,111$63,902,103
75$121,111,270$36,328,316$25,150,669$69,169,746
76$133,396,734$38,040,518$25,925,331$74,924,490
77$146,933,178$39,834,479$26,723,806$81,213,905
78$161,848,133$41,714,140$27,546,824$88,090,319
79$178,282,137$43,683,628$28,395,138$95,611,298
80$196,390,064$45,747,274$29,269,524$103,840,180
81$216,342,578$47,909,618$30,170,781$112,846,658
82$238,327,752$50,175,420$31,099,733$122,707,421
83$262,552,837$52,549,671$32,057,228$133,506,864
84$289,246,225$55,037,603$33,044,144$145,337,869
85$318,659,597$57,644,702$34,061,380$158,302,666
86$351,070,307$60,376,723$35,109,867$172,513,777
87$386,783,993$63,239,698$36,190,562$188,095,066
88$426,137,467$66,239,950$37,304,452$205,182,881
89$469,501,892$69,384,111$38,452,556$223,927,331
90$517,286,290$72,679,137$39,635,921$244,493,672
91$569,941,394$76,132,317$40,855,627$267,063,851
92$627,963,914$79,751,299$42,112,788$291,838,203
93$691,901,219$83,544,098$43,408,552$319,037,311
94$762,356,506$87,519,122$44,744,101$348,904,068
95$839,994,495$91,685,184$46,120,654$381,705,944
96$925,547,704$96,051,529$47,539,467$417,737,481
97$1,019,823,365$100,627,848$49,001,834$457,323,048
98$1,123,711,041$105,424,306$50,509,088$500,819,870
99$1,238,191,029$110,451,559$52,062,605$548,621,370
100$1,364,343,613$115,720,784$53,663,801$601,160,852