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

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 $12,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$1,007,465$998,491$989,735$981,190$972,845$936,466
2 years$498,745$489,456$480,454$471,726$463,260$427,025
3 years$329,194$319,865$310,886$302,239$293,911$258,961
4 years$244,435$235,135$226,245$217,746$209,620$176,220
5 years$193,593$184,348$175,575$167,250$159,350$127,587
6 years$159,709$150,534$141,891$133,751$126,088$95,985
7 years$135,516$126,419$117,912$109,964$102,543$74,091
8 years$117,379$108,364$99,999$92,246$85,069$58,242
9 years$103,281$94,350$86,129$78,573$71,641$46,401
10 years$92,008$83,165$75,089$67,731$61,042$37,343
11 years$82,791$74,037$66,107$58,946$52,498$30,290
12 years$75,116$66,452$58,669$51,704$45,493$24,719
13 years$68,627$60,053$52,416$45,647$39,671$20,272
14 years$63,069$54,586$47,096$40,520$34,776$16,689
15 years$58,257$49,866$42,522$36,137$30,619$13,784
16 years$54,051$45,751$38,552$32,357$27,061$11,413
17 years$50,343$42,135$35,081$29,072$23,994$9,470
18 years$47,051$38,934$32,024$26,200$21,335$7,871
19 years$44,109$36,084$29,317$23,674$19,016$6,552
20 years$41,464$33,531$26,906$21,441$16,986$5,460
21 years$39,074$31,233$24,748$19,459$15,200$4,554
22 years$36,905$29,155$22,809$17,693$13,625$3,802
23 years$34,927$27,268$21,060$16,113$12,230$3,176
24 years$33,116$25,548$19,477$14,696$10,993$2,655
25 years$31,453$23,976$18,040$13,421$9,892$2,220
26 years$29,921$22,533$16,731$12,272$8,910$1,857
27 years$28,504$21,206$15,536$11,233$8,033$1,554
28 years$27,191$19,983$14,443$10,292$7,249$1,301
29 years$25,971$18,851$13,440$9,438$6,545$1,089
30 years$24,834$17,803$12,519$8,661$5,914$912
31 years$23,772$16,830$11,671$7,955$5,347$764
32 years$22,779$15,925$10,889$7,311$4,837$640
33 years$21,848$15,081$10,167$6,723$4,377$536
34 years$20,974$14,293$9,500$6,186$3,963$449
35 years$20,152$13,557$8,882$5,694$3,590$376
36 years$19,376$12,867$8,309$5,244$3,252$315
37 years$18,645$12,221$7,777$4,832$2,948$264
38 years$17,954$11,614$7,283$4,454$2,672$221
39 years$17,299$11,044$6,823$4,106$2,423$186
40 years$16,679$10,508$6,395$3,788$2,198$156
41 years$16,091$10,002$5,997$3,495$1,994$130
42 years$15,532$9,526$5,625$3,225$1,809$109
43 years$15,001$9,076$5,278$2,977$1,642$92
44 years$14,495$8,651$4,955$2,749$1,491$77
45 years$14,013$8,250$4,652$2,539$1,353$64
46 years$13,554$7,870$4,370$2,345$1,229$54
47 years$13,115$7,511$4,105$2,166$1,116$45
48 years$12,696$7,170$3,858$2,002$1,013$38
49 years$12,295$6,847$3,626$1,850$920$32
50 years$11,911$6,540$3,409$1,710$836$27

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 $4,622 every year, while hoping to spend $29,098 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: 31/49/20 Blend
51$12,200,000$12,200,000$12,200,000$12,200,000
52$13,449,168$12,802,568$12,613,468$13,782,059
53$14,790,023$13,398,933$13,005,059$14,629,829
54$16,266,670$14,023,546$13,408,793$15,538,850
55$17,892,929$14,677,758$13,825,046$16,516,787
56$19,684,029$15,362,990$14,254,206$17,569,650
57$21,656,750$16,080,727$14,696,673$18,704,020
58$23,829,585$16,832,529$15,152,858$19,927,101
59$26,222,911$17,620,031$15,623,187$21,246,780
60$28,859,181$18,444,946$16,108,097$22,671,701
61$31,763,139$19,309,069$16,608,040$24,211,333
62$34,962,051$20,214,285$17,123,481$25,876,055
63$38,485,963$21,162,568$17,654,899$27,677,245
64$42,367,983$22,155,986$18,202,791$29,627,380
65$46,644,598$23,196,710$18,767,665$31,740,145
66$51,356,013$24,287,015$19,350,048$34,030,553
67$56,546,533$25,429,285$19,950,481$36,515,077
68$62,264,980$26,626,021$20,569,523$39,211,796
69$68,565,156$27,879,843$21,207,750$42,140,558
70$75,506,347$29,193,502$21,865,755$45,323,151
71$83,153,889$30,569,877$22,544,152$48,783,503
72$91,579,775$32,011,990$23,243,570$52,547,890
73$100,863,343$33,523,009$23,964,661$56,645,181
74$111,092,022$35,106,255$24,708,095$61,107,087
75$122,362,155$36,765,208$25,474,564$65,968,455
76$134,779,913$38,503,522$26,264,780$71,267,577
77$148,462,292$40,325,022$27,079,477$77,046,543
78$163,538,220$42,233,723$27,919,415$83,351,616
79$180,149,776$44,233,832$28,785,372$90,233,657
80$198,453,526$46,329,763$29,678,155$97,748,588
81$218,622,006$48,526,141$30,598,593$105,957,899
82$240,845,346$50,827,818$31,547,541$114,929,214
83$265,333,069$53,239,879$32,525,882$124,736,906
84$292,316,068$55,767,659$33,534,525$135,462,783
85$322,048,782$58,416,749$34,574,407$147,196,834
86$354,811,602$61,193,013$35,646,493$160,038,060
87$390,913,515$64,102,601$36,751,781$174,095,385
88$430,695,024$67,151,959$37,891,296$189,488,657
89$474,531,359$70,347,848$39,066,097$206,349,756
90$522,836,022$73,697,357$40,277,276$224,823,813
91$576,064,689$77,207,919$41,525,956$245,070,548
92$634,719,510$80,887,330$42,813,299$267,265,753
93$699,353,854$84,743,763$44,140,498$291,602,918
94$770,577,529$88,785,790$45,508,787$318,295,028
95$849,062,540$93,022,397$46,919,435$347,576,534
96$935,549,436$97,463,011$48,373,752$379,705,538
97$1,030,854,293$102,117,513$49,873,088$414,966,188
98$1,135,876,429$106,996,270$51,418,835$453,671,323
99$1,251,606,885$112,110,147$53,012,426$496,165,386
100$1,379,137,786$117,470,543$54,655,341$542,827,634