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%16.6%
1 years$999,207$990,306$981,623$973,147$964,871$938,880
2 years$494,657$485,444$476,516$467,859$459,462$433,463
3 years$326,495$317,243$308,337$299,762$291,502$266,307
4 years$242,431$233,207$224,391$215,962$207,902$183,705
5 years$192,006$182,837$174,136$165,879$158,043$134,912
6 years$158,400$149,300$140,728$132,655$125,054$103,010
7 years$134,405$125,382$116,946$109,063$101,703$80,747
8 years$116,417$107,476$99,179$91,490$84,372$64,494
9 years$102,434$93,577$85,423$77,929$71,054$52,235
10 years$91,254$82,484$74,474$67,176$60,541$42,758
11 years$82,113$73,430$65,565$58,463$52,067$35,293
12 years$74,500$65,907$58,188$51,280$45,121$29,323
13 years$68,064$59,561$51,987$45,273$39,346$24,492
14 years$62,552$54,139$46,710$40,188$34,490$20,546
15 years$57,780$49,457$42,173$35,841$30,368$17,296
16 years$53,608$45,376$38,236$32,091$26,839$14,603
17 years$49,930$41,789$34,793$28,834$23,798$12,359
18 years$46,665$38,615$31,762$25,985$21,160$10,481
19 years$43,747$35,788$29,077$23,480$18,860$8,904
20 years$41,124$33,256$26,685$21,265$16,846$7,575
21 years$38,754$30,977$24,545$19,300$15,076$6,452
22 years$36,602$28,916$22,622$17,548$13,513$5,501
23 years$34,641$27,044$20,887$15,981$12,130$4,694
24 years$32,845$25,339$19,317$14,576$10,903$4,008
25 years$31,196$23,779$17,892$13,311$9,811$3,425
26 years$29,676$22,349$16,594$12,171$8,837$2,928
27 years$28,271$21,033$15,409$11,141$7,968$2,505
28 years$26,968$19,819$14,324$10,207$7,189$2,143
29 years$25,758$18,697$13,330$9,360$6,492$1,835
30 years$24,630$17,657$12,416$8,590$5,866$1,571
31 years$23,578$16,692$11,576$7,890$5,303$1,345
32 years$22,593$15,794$10,800$7,251$4,797$1,152
33 years$21,669$14,957$10,084$6,668$4,341$987
34 years$20,802$14,176$9,422$6,135$3,931$846
35 years$19,986$13,446$8,809$5,647$3,560$725
36 years$19,218$12,762$8,241$5,201$3,226$621
37 years$18,492$12,121$7,713$4,792$2,924$533
38 years$17,806$11,519$7,223$4,417$2,650$457
39 years$17,158$10,954$6,767$4,073$2,403$391
40 years$16,543$10,421$6,343$3,757$2,180$336
41 years$15,959$9,920$5,948$3,466$1,978$288
42 years$15,405$9,448$5,579$3,199$1,795$247
43 years$14,878$9,002$5,235$2,953$1,629$211
44 years$14,377$8,581$4,914$2,726$1,478$181
45 years$13,899$8,182$4,614$2,518$1,342$155
46 years$13,443$7,806$4,334$2,326$1,219$133
47 years$13,008$7,449$4,071$2,149$1,107$114
48 years$12,592$7,111$3,826$1,985$1,005$98
49 years$12,194$6,791$3,596$1,835$913$84
50 years$11,814$6,487$3,381$1,696$829$72

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 $4,298 every year, while hoping to spend $36,229 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: 58/31/11 Blend
51$12,100,000$12,100,000$12,100,000$12,100,000
52$13,338,633$12,697,333$12,509,783$14,076,396
53$14,660,627$13,280,955$12,890,314$15,157,763
54$16,116,249$13,891,961$13,282,378$16,331,498
55$17,719,092$14,531,653$13,686,323$17,610,013
56$19,484,134$15,201,397$14,102,509$19,003,366
57$21,427,876$15,902,627$14,531,304$20,522,614
58$23,568,507$16,636,843$14,973,090$22,179,910
59$25,926,063$17,405,617$15,428,257$23,988,620
60$28,522,628$18,210,598$15,897,210$25,963,439
61$31,382,533$19,053,515$16,380,364$28,120,529
62$34,532,593$19,936,178$16,878,147$30,477,667
63$38,002,354$20,860,487$17,391,001$33,054,404
64$41,824,374$21,828,432$17,919,380$35,872,250
65$46,034,533$22,842,097$18,463,752$38,954,869
66$50,672,366$23,903,671$19,024,599$42,328,297
67$55,781,441$25,015,444$19,602,416$46,021,182
68$61,409,767$26,179,820$20,197,716$50,065,049
69$67,610,248$27,399,317$20,811,025$54,494,592
70$74,441,185$28,676,575$21,442,886$59,347,994
71$81,966,820$30,014,361$22,093,856$64,667,279
72$90,257,947$31,415,576$22,764,513$70,498,707
73$99,392,581$32,883,263$23,455,447$76,893,196
74$109,456,689$34,420,608$24,167,270$83,906,801
75$120,545,008$36,030,954$24,900,609$91,601,230
76$132,761,933$37,717,805$25,656,114$100,044,424
77$146,222,506$39,484,833$26,434,450$109,311,182
78$161,053,501$41,335,890$27,236,304$119,483,865
79$177,394,622$43,275,012$28,062,383$130,653,157
80$195,399,817$45,306,431$28,913,417$142,918,917
81$215,238,737$47,434,585$29,790,155$156,391,106
82$237,098,333$49,664,124$30,693,370$171,190,817
83$261,184,623$51,999,927$31,623,858$187,451,405
84$287,724,636$54,447,104$32,582,439$205,319,734
85$316,968,555$57,011,018$33,569,956$224,957,550
86$349,192,077$59,697,288$34,587,279$246,542,995
87$384,699,020$62,511,805$35,635,304$270,272,273
88$423,824,185$65,460,749$36,714,951$296,361,493
89$466,936,522$68,550,596$37,827,172$325,048,685
90$514,442,609$71,788,136$38,972,944$356,596,037
91$566,790,491$75,180,491$40,153,274$391,292,354
92$624,473,911$78,735,126$41,369,199$429,455,761
93$688,036,970$82,459,867$42,621,787$471,436,693
94$758,079,263$86,362,923$43,912,139$517,621,180
95$835,261,540$90,452,897$45,241,387$568,434,476
96$920,311,941$94,738,814$46,610,698$624,345,047
97$1,014,032,876$99,230,132$48,021,273$685,868,972
98$1,117,308,593$103,936,773$49,474,350$753,574,796
99$1,231,113,531$108,869,136$50,971,202$828,088,867
100$1,356,521,516$114,038,128$52,513,142$910,101,229