Can I retire at age 52 with 12,200,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $12,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$1,007,465$998,491$989,735$981,190$972,845$939,075
2 years$498,745$489,456$480,454$471,726$463,260$429,586
3 years$329,194$319,865$310,886$302,239$293,911$261,392
4 years$244,435$235,135$226,245$217,746$209,620$178,504
5 years$193,593$184,348$175,575$167,250$159,350$129,718
6 years$159,709$150,534$141,891$133,751$126,088$97,965
7 years$135,516$126,419$117,912$109,964$102,543$75,923
8 years$117,379$108,364$99,999$92,246$85,069$59,930
9 years$103,281$94,350$86,129$78,573$71,641$47,951
10 years$92,008$83,165$75,089$67,731$61,042$38,762
11 years$82,791$74,037$66,107$58,946$52,498$31,584
12 years$75,116$66,452$58,669$51,704$45,493$25,896
13 years$68,627$60,053$52,416$45,647$39,671$21,339
14 years$63,069$54,586$47,096$40,520$34,776$17,654
15 years$58,257$49,866$42,522$36,137$30,619$14,653
16 years$54,051$45,751$38,552$32,357$27,061$12,195
17 years$50,343$42,135$35,081$29,072$23,994$10,171
18 years$47,051$38,934$32,024$26,200$21,335$8,498
19 years$44,109$36,084$29,317$23,674$19,016$7,111
20 years$41,464$33,531$26,906$21,441$16,986$5,958
21 years$39,074$31,233$24,748$19,459$15,200$4,997
22 years$36,905$29,155$22,809$17,693$13,625$4,194
23 years$34,927$27,268$21,060$16,113$12,230$3,523
24 years$33,116$25,548$19,477$14,696$10,993$2,961
25 years$31,453$23,976$18,040$13,421$9,892$2,490
26 years$29,921$22,533$16,731$12,272$8,910$2,095
27 years$28,504$21,206$15,536$11,233$8,033$1,763
28 years$27,191$19,983$14,443$10,292$7,249$1,484
29 years$25,971$18,851$13,440$9,438$6,545$1,250
30 years$24,834$17,803$12,519$8,661$5,914$1,053
31 years$23,772$16,830$11,671$7,955$5,347$887
32 years$22,779$15,925$10,889$7,311$4,837$747
33 years$21,848$15,081$10,167$6,723$4,377$629
34 years$20,974$14,293$9,500$6,186$3,963$530
35 years$20,152$13,557$8,882$5,694$3,590$447
36 years$19,376$12,867$8,309$5,244$3,252$377
37 years$18,645$12,221$7,777$4,832$2,948$318
38 years$17,954$11,614$7,283$4,454$2,672$268
39 years$17,299$11,044$6,823$4,106$2,423$226
40 years$16,679$10,508$6,395$3,788$2,198$190
41 years$16,091$10,002$5,997$3,495$1,994$160
42 years$15,532$9,526$5,625$3,225$1,809$135
43 years$15,001$9,076$5,278$2,977$1,642$114
44 years$14,495$8,651$4,955$2,749$1,491$96
45 years$14,013$8,250$4,652$2,539$1,353$81
46 years$13,554$7,870$4,370$2,345$1,229$68
47 years$13,115$7,511$4,105$2,166$1,116$58
48 years$12,696$7,170$3,858$2,002$1,013$49
49 years$12,295$6,847$3,626$1,850$920$41
50 years$11,911$6,540$3,409$1,710$836$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $12,200,000, adding $2,823 every year, while hoping to spend $34,866 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: 39/49/12 Blend
51$12,200,000$12,200,000$12,200,000$12,200,000
52$13,447,312$12,800,712$12,611,612$13,922,974
53$14,781,841$13,390,850$12,997,004$14,850,374
54$16,251,323$14,008,736$13,394,138$15,848,859
55$17,869,486$14,655,693$13,803,370$16,927,691
56$19,651,460$15,333,107$14,225,069$18,094,129
57$21,613,912$16,042,432$14,659,612$19,356,130
58$23,775,211$16,785,192$15,107,389$20,722,422
59$26,155,598$17,562,982$15,568,802$22,202,574
60$28,777,377$18,377,476$16,044,265$23,807,083
61$31,665,125$19,230,428$16,534,204$25,547,466
62$34,845,927$20,123,678$17,039,058$27,436,363
63$38,349,625$21,059,152$17,559,280$29,487,649
64$42,209,107$22,038,870$18,095,336$31,716,552
65$46,460,612$23,064,952$18,647,707$34,139,796
66$51,144,076$24,139,615$19,216,886$36,775,748
67$56,303,504$25,265,189$19,803,384$39,644,579
68$61,987,390$26,444,111$20,407,726$42,768,450
69$68,249,171$27,678,940$21,030,452$46,171,709
70$75,147,735$28,972,357$21,672,120$49,881,113
71$82,747,972$30,327,171$22,333,305$53,926,065
72$91,121,392$31,746,328$23,014,597$58,338,887
73$100,346,793$33,232,918$23,716,605$63,155,108
74$110,511,013$34,790,178$24,439,959$68,413,791
75$121,709,742$36,421,502$25,185,303$74,157,887
76$134,048,429$38,130,449$25,953,304$80,434,628
77$147,643,277$39,920,750$26,744,648$87,295,959
78$162,622,341$41,796,315$27,560,043$94,799,012
79$179,126,731$43,761,246$28,400,216$103,006,634
80$197,311,952$45,819,842$29,265,917$111,987,958
81$217,349,365$47,976,609$30,157,920$121,819,047
82$239,427,810$50,236,272$31,077,020$132,583,586
83$263,755,384$52,603,787$32,024,038$144,373,661
84$290,561,408$55,084,347$32,999,817$157,290,603
85$320,098,589$57,683,398$34,005,229$171,445,930
86$352,645,411$60,406,650$35,041,170$186,962,373
87$388,508,756$63,260,089$36,108,562$203,975,016
88$428,026,808$66,249,992$37,208,358$222,632,549
89$471,572,242$69,382,941$38,341,538$243,098,644
90$519,555,741$72,665,836$39,509,109$265,553,477
91$572,429,875$76,105,910$40,712,113$290,195,402
92$630,693,374$79,710,751$41,951,621$317,242,794
93$694,895,833$83,488,313$43,228,734$346,936,084
94$765,642,902$87,446,934$44,544,591$379,539,997
95$843,602,004$91,595,361$45,900,361$415,346,018
96$929,508,636$95,942,761$47,297,251$454,675,111
97$1,024,173,311$100,498,749$48,736,502$497,880,715
98$1,128,489,208$105,273,407$50,219,394$545,352,042
99$1,243,440,608$110,277,305$51,747,245$597,517,712
100$1,370,112,184$115,521,528$53,321,412$654,849,763