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%
1 years$999,207$990,306$981,623$973,147$964,871$933,238
2 years$494,657$485,444$476,516$467,859$459,462$427,894
3 years$326,495$317,243$308,337$299,762$291,502$260,990
4 years$242,431$233,207$224,391$215,962$207,902$178,679
5 years$192,006$182,837$174,136$165,879$158,043$130,189
6 years$158,400$149,300$140,728$132,655$125,054$98,590
7 years$134,405$125,382$116,946$109,063$101,703$76,626
8 years$116,417$107,476$99,179$91,490$84,372$60,665
9 years$102,434$93,577$85,423$77,929$71,054$48,687
10 years$91,254$82,484$74,474$67,176$60,541$39,482
11 years$82,113$73,430$65,565$58,463$52,067$32,274
12 years$74,500$65,907$58,188$51,280$45,121$26,551
13 years$68,064$59,561$51,987$45,273$39,346$21,953
14 years$62,552$54,139$46,710$40,188$34,490$18,225
15 years$57,780$49,457$42,173$35,841$30,368$15,181
16 years$53,608$45,376$38,236$32,091$26,839$12,680
17 years$49,930$41,789$34,793$28,834$23,798$10,614
18 years$46,665$38,615$31,762$25,985$21,160$8,902
19 years$43,747$35,788$29,077$23,480$18,860$7,477
20 years$41,124$33,256$26,685$21,265$16,846$6,289
21 years$38,754$30,977$24,545$19,300$15,076$5,295
22 years$36,602$28,916$22,622$17,548$13,513$4,462
23 years$34,641$27,044$20,887$15,981$12,130$3,763
24 years$32,845$25,339$19,317$14,576$10,903$3,175
25 years$31,196$23,779$17,892$13,311$9,811$2,681
26 years$29,676$22,349$16,594$12,171$8,837$2,264
27 years$28,271$21,033$15,409$11,141$7,968$1,913
28 years$26,968$19,819$14,324$10,207$7,189$1,617
29 years$25,758$18,697$13,330$9,360$6,492$1,367
30 years$24,630$17,657$12,416$8,590$5,866$1,156
31 years$23,578$16,692$11,576$7,890$5,303$978
32 years$22,593$15,794$10,800$7,251$4,797$828
33 years$21,669$14,957$10,084$6,668$4,341$700
34 years$20,802$14,176$9,422$6,135$3,931$593
35 years$19,986$13,446$8,809$5,647$3,560$501
36 years$19,218$12,762$8,241$5,201$3,226$424
37 years$18,492$12,121$7,713$4,792$2,924$359
38 years$17,806$11,519$7,223$4,417$2,650$304
39 years$17,158$10,954$6,767$4,073$2,403$257
40 years$16,543$10,421$6,343$3,757$2,180$218
41 years$15,959$9,920$5,948$3,466$1,978$184
42 years$15,405$9,448$5,579$3,199$1,795$156
43 years$14,878$9,002$5,235$2,953$1,629$132
44 years$14,377$8,581$4,914$2,726$1,478$112
45 years$13,899$8,182$4,614$2,518$1,342$95
46 years$13,443$7,806$4,334$2,326$1,219$80
47 years$13,008$7,449$4,071$2,149$1,107$68
48 years$12,592$7,111$3,826$1,985$1,005$58
49 years$12,194$6,791$3,596$1,835$913$49
50 years$11,814$6,487$3,381$1,696$829$41

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 $4,432 every year, while hoping to spend $39,166 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: 37/48/15 Blend
51$12,100,000$12,100,000$12,100,000$12,100,000
52$13,338,772$12,697,472$12,509,922$13,771,229
53$14,657,654$13,277,975$12,887,332$14,662,859
54$16,109,750$13,885,611$13,276,072$15,621,245
55$17,708,605$14,521,667$13,676,482$16,655,592
56$19,469,147$15,187,493$14,088,908$17,772,721
57$21,407,824$15,884,504$14,513,710$18,980,106
58$23,542,759$16,614,182$14,951,257$20,285,942
59$25,893,926$17,378,082$15,401,929$21,699,212
60$28,483,329$18,177,831$15,866,117$23,229,771
61$31,335,222$19,015,138$16,344,224$24,888,429
62$34,476,325$19,891,790$16,836,666$26,687,046
63$37,936,085$20,809,662$17,343,869$28,638,640
64$41,746,950$21,770,721$17,866,274$30,757,499
65$45,944,678$22,777,025$18,404,333$33,059,310
66$50,568,669$23,830,733$18,958,512$35,561,297
67$55,662,342$24,934,108$19,529,292$38,282,378
68$61,273,544$26,089,523$20,117,166$41,243,334
69$67,454,999$27,299,462$20,722,644$44,466,991
70$74,264,806$28,566,532$21,346,249$47,978,434
71$81,766,988$29,893,465$21,988,521$51,805,227
72$90,032,100$31,283,124$22,650,015$55,977,665
73$99,137,887$32,738,509$23,331,303$60,529,048
74$109,170,022$34,262,768$24,032,974$65,495,983
75$120,222,919$35,859,197$24,755,632$70,918,722
76$132,400,613$37,531,254$25,499,902$76,841,523
77$145,817,753$39,282,564$26,266,427$83,313,055
78$160,600,679$41,116,924$27,055,867$90,386,848
79$176,888,612$43,038,317$27,868,903$98,121,780
80$194,834,975$45,050,919$28,706,235$106,582,617
81$214,608,834$47,159,106$29,568,586$115,840,612
82$236,396,498$49,367,465$30,456,697$125,974,154
83$260,403,278$51,680,808$31,371,332$137,069,498
84$286,855,420$54,104,176$32,313,280$149,221,554
85$316,002,248$56,642,855$33,283,350$162,534,771
86$348,118,511$59,302,389$34,282,376$177,124,093
87$383,506,980$62,088,586$35,311,216$193,116,031
88$422,501,304$65,007,540$36,370,754$210,649,833
89$465,469,163$68,065,635$37,461,901$229,878,773
90$512,815,735$71,269,568$38,585,591$250,971,574
91$564,987,521$74,626,358$39,742,790$274,113,978
92$622,476,564$78,143,365$40,934,489$299,510,469
93$685,825,089$81,828,306$42,161,710$327,386,180
94$755,630,625$85,689,269$43,425,504$357,988,982
95$832,551,644$89,734,739$44,726,954$391,591,801
96$917,313,778$93,973,607$46,067,173$428,495,156
97$1,010,716,668$98,415,199$47,447,308$469,029,966
98$1,113,641,515$103,069,291$48,868,540$513,560,639
99$1,227,059,397$107,946,133$50,332,083$562,488,470
100$1,352,040,435$113,056,473$51,839,188$616,255,399