Can I retire at age 52 with 12,400,000?

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 $12,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$1,023,980$1,014,859$1,005,960$997,275$988,793$974,419
2 years$506,921$497,480$488,330$479,459$470,854$456,402
3 years$334,590$325,109$315,982$307,194$298,729$284,650
4 years$248,442$238,989$229,954$221,316$213,056$199,457
5 years$196,766$187,371$178,454$169,992$161,962$148,883
6 years$162,327$153,002$144,217$135,944$128,155$115,611
7 years$137,738$128,491$119,845$111,767$104,224$92,220
8 years$119,304$110,140$101,638$93,759$86,464$74,997
9 years$104,974$95,897$87,541$79,861$72,815$61,881
10 years$93,517$84,529$76,320$68,841$62,042$51,632
11 years$84,149$75,251$67,191$59,913$53,358$43,461
12 years$76,348$67,541$59,630$52,551$46,239$36,844
13 years$69,752$61,037$53,276$46,395$40,322$31,415
14 years$64,103$55,481$47,869$41,184$35,346$26,914
15 years$59,212$50,683$43,219$36,729$31,121$23,149
16 years$54,937$46,501$39,184$32,887$27,505$19,978
17 years$51,168$42,826$35,656$29,549$24,388$17,289
18 years$47,822$39,573$32,549$26,629$21,684$14,998
19 years$44,832$36,676$29,797$24,062$19,328$13,038
20 years$42,144$34,081$27,347$21,793$17,264$11,353
21 years$39,715$31,745$25,154$19,778$15,449$9,901
22 years$37,510$29,633$23,183$17,983$13,848$8,646
23 years$35,499$27,715$21,405$16,377$12,431$7,559
24 years$33,659$25,967$19,796$14,937$11,173$6,614
25 years$31,969$24,369$18,335$13,641$10,054$5,793
26 years$30,411$22,903$17,005$12,473$9,056$5,077
27 years$28,972$21,554$15,791$11,417$8,165$4,453
28 years$27,637$20,310$14,680$10,460$7,368$3,908
29 years$26,397$19,160$13,661$9,592$6,653$3,431
30 years$25,241$18,095$12,724$8,803$6,011$3,013
31 years$24,162$17,106$11,863$8,085$5,435$2,648
32 years$23,153$16,186$11,068$7,431$4,916$2,327
33 years$22,207$15,328$10,334$6,833$4,449$2,046
34 years$21,318$14,527$9,656$6,287$4,028$1,799
35 years$20,482$13,779$9,027$5,787$3,648$1,583
36 years$19,694$13,078$8,445$5,330$3,306$1,393
37 years$18,951$12,421$7,904$4,911$2,996$1,225
38 years$18,248$11,805$7,402$4,527$2,716$1,078
39 years$17,583$11,225$6,935$4,174$2,463$949
40 years$16,953$10,680$6,500$3,850$2,234$836
41 years$16,355$10,166$6,095$3,552$2,027$736
42 years$15,787$9,682$5,717$3,278$1,839$648
43 years$15,247$9,225$5,365$3,026$1,669$570
44 years$14,733$8,793$5,036$2,794$1,515$502
45 years$14,243$8,385$4,729$2,580$1,375$442
46 years$13,776$7,999$4,441$2,383$1,249$390
47 years$13,330$7,634$4,172$2,202$1,134$343
48 years$12,904$7,287$3,921$2,035$1,030$302
49 years$12,497$6,959$3,685$1,880$935$266
50 years$12,107$6,648$3,465$1,738$850$234

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $12,400,000, adding $3,777 every year, while hoping to spend $28,432 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: 53/18/29 Blend
51$12,400,000$12,400,000$12,400,000$12,400,000
52$13,668,696$13,011,496$12,819,296$14,282,022
53$15,032,652$13,618,808$13,218,491$15,315,450
54$16,534,778$14,254,925$13,630,106$16,436,330
55$18,189,138$14,921,229$14,054,527$17,655,664
56$20,011,229$15,619,168$14,492,153$18,982,895
57$22,018,127$16,350,260$14,943,393$20,428,408
58$24,228,650$17,116,097$15,408,671$22,003,621
59$26,663,534$17,918,348$15,888,423$23,721,090
60$29,345,628$18,758,760$16,383,098$25,594,625
61$32,300,111$19,639,169$16,893,162$27,639,420
62$35,554,731$20,561,497$17,419,091$29,872,184
63$39,140,062$21,527,759$17,961,379$32,311,306
64$43,089,798$22,540,068$18,520,535$34,977,014
65$47,441,066$23,600,640$19,097,082$37,891,570
66$52,234,781$24,711,798$19,691,560$41,079,471
67$57,516,029$25,875,976$20,304,528$44,567,676
68$63,334,493$27,095,728$20,936,558$48,385,857
69$69,744,923$28,373,731$21,588,245$52,566,676
70$76,807,652$29,712,790$22,260,198$57,146,082
71$84,589,165$31,115,849$22,953,046$62,163,653
72$93,162,726$32,585,992$23,667,440$67,662,955
73$102,609,073$34,126,455$24,404,048$73,691,956
74$113,017,176$35,740,628$25,163,561$80,303,466
75$124,485,077$37,432,068$25,946,690$87,555,634
76$137,120,819$39,204,504$26,754,168$95,512,487
77$151,043,462$41,061,844$27,586,752$104,244,528
78$166,384,209$43,008,188$28,445,222$113,829,395
79$183,287,642$45,047,833$29,330,381$124,352,586
80$201,913,092$47,185,287$30,243,058$135,908,258
81$222,436,136$49,425,274$31,184,109$148,600,109
82$245,050,259$51,772,750$32,154,415$162,542,344
83$269,968,681$54,232,910$33,154,883$177,860,750
84$297,426,365$56,811,202$34,186,450$194,693,870
85$327,682,241$59,513,337$35,250,083$213,194,301
86$361,021,645$62,345,307$36,346,776$233,530,128
87$397,759,017$65,313,391$37,477,557$255,886,496
88$438,240,865$68,424,176$38,643,484$280,467,347
89$482,849,041$71,684,567$39,845,648$307,497,337
90$532,004,340$75,101,808$41,085,174$337,223,940
91$586,170,477$78,683,491$42,363,222$369,919,775
92$645,858,464$82,437,581$43,680,988$405,885,167
93$711,631,431$86,372,426$45,039,706$445,450,964
94$784,109,947$90,496,784$46,440,645$488,981,648
95$863,977,872$94,819,837$47,885,117$536,878,764
96$951,988,820$99,351,214$49,374,474$589,584,690
97$1,048,973,268$104,101,013$50,910,107$647,586,799
98$1,155,846,401$109,079,821$52,493,455$711,422,043
99$1,273,616,745$114,298,744$54,125,997$781,682,005
100$1,403,395,696$119,769,426$55,809,261$859,018,460