Can I retire at age 52 with 12,500,000?

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 $12,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$1,032,238$1,023,044$1,014,073$1,005,317$996,768$982,683
2 years$511,009$501,492$492,268$483,326$474,651$460,489
3 years$337,289$327,731$318,530$309,671$301,138$287,338
4 years$250,446$240,917$231,808$223,101$214,774$201,443
5 years$198,353$188,882$179,893$171,363$163,268$150,443
6 years$163,636$154,236$145,380$137,040$129,188$116,886
7 years$138,848$129,527$120,812$112,668$105,065$93,289
8 years$120,266$111,029$102,458$94,515$87,161$75,911
9 years$105,820$96,670$88,247$80,506$73,402$62,671
10 years$94,271$85,210$76,936$69,397$62,543$52,323
11 years$84,827$75,858$67,733$60,396$53,789$44,071
12 years$76,963$68,086$60,111$52,975$46,612$37,385
13 years$70,314$61,530$53,705$46,769$40,647$31,897
14 years$64,620$55,929$48,255$41,516$35,631$27,345
15 years$59,690$51,092$43,567$37,025$31,372$23,536
16 years$55,380$46,876$39,500$33,152$27,727$20,326
17 years$51,581$43,171$35,944$29,787$24,584$17,603
18 years$48,208$39,892$32,812$26,844$21,859$15,282
19 years$45,193$36,971$30,038$24,256$19,484$13,294
20 years$42,484$34,356$27,567$21,968$17,403$11,584
21 years$40,035$32,001$25,356$19,938$15,574$10,110
22 years$37,812$29,872$23,370$18,128$13,960$8,836
23 years$35,786$27,938$21,578$16,509$12,531$7,730
24 years$33,931$26,176$19,956$15,058$11,263$6,770
25 years$32,227$24,565$18,483$13,752$10,135$5,934
26 years$30,657$23,087$17,142$12,574$9,129$5,205
27 years$29,205$21,728$15,918$11,509$8,231$4,569
28 years$27,860$20,474$14,798$10,545$7,427$4,012
29 years$26,609$19,315$13,771$9,670$6,706$3,525
30 years$25,445$18,241$12,827$8,874$6,060$3,099
31 years$24,357$17,244$11,958$8,150$5,478$2,725
32 years$23,340$16,316$11,157$7,490$4,956$2,397
33 years$22,386$15,452$10,418$6,888$4,485$2,110
34 years$21,490$14,645$9,734$6,338$4,061$1,857
35 years$20,647$13,890$9,100$5,834$3,678$1,635
36 years$19,853$13,184$8,513$5,373$3,332$1,439
37 years$19,103$12,522$7,968$4,951$3,020$1,268
38 years$18,395$11,900$7,462$4,563$2,738$1,117
39 years$17,725$11,316$6,991$4,207$2,483$984
40 years$17,089$10,766$6,552$3,881$2,252$867
41 years$16,487$10,248$6,144$3,580$2,043$764
42 years$15,914$9,760$5,763$3,304$1,854$673
43 years$15,370$9,299$5,408$3,050$1,683$593
44 years$14,852$8,864$5,077$2,816$1,527$523
45 years$14,358$8,453$4,767$2,601$1,387$461
46 years$13,887$8,064$4,477$2,403$1,259$406
47 years$13,438$7,695$4,206$2,220$1,143$358
48 years$13,008$7,346$3,953$2,051$1,038$316
49 years$12,597$7,015$3,715$1,896$943$278
50 years$12,204$6,701$3,493$1,752$856$245

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $12,500,000, adding $4,673 every year, while hoping to spend $35,159 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: 52/43/5 Blend
51$12,500,000$12,500,000$12,500,000$12,500,000
52$13,779,820$13,117,320$12,923,570$14,480,678
53$15,147,953$13,722,660$13,319,101$15,561,363
54$16,654,457$14,356,483$13,726,703$16,731,701
55$18,313,409$15,020,148$14,146,745$18,003,503
56$20,140,320$15,715,079$14,579,605$19,386,322
57$22,152,283$16,442,768$15,025,672$20,890,644
58$24,368,132$17,204,779$15,485,348$22,527,990
59$26,808,621$18,002,754$15,959,047$24,311,013
60$29,496,621$18,838,409$16,447,196$26,253,616
61$32,457,333$19,713,548$16,950,233$28,371,077
62$35,718,527$20,630,058$17,468,613$30,680,184
63$39,310,806$21,589,920$18,002,800$33,199,390
64$43,267,890$22,595,207$18,553,275$35,948,980
65$47,626,939$23,648,097$19,120,534$38,951,255
66$52,428,901$24,750,868$19,705,087$42,230,735
67$57,718,900$25,905,912$20,307,458$45,814,382
68$63,546,660$27,115,733$20,928,190$49,731,850
69$69,966,974$28,382,960$21,567,840$54,015,751
70$77,040,226$29,710,345$22,226,982$58,701,959
71$84,832,953$31,100,775$22,906,210$63,829,935
72$93,418,478$32,557,277$23,606,132$69,443,093
73$102,877,603$34,083,024$24,327,378$75,589,200
74$113,299,367$35,681,341$25,070,594$82,320,812
75$124,781,891$37,355,716$25,836,447$89,695,765
76$137,433,301$39,109,803$26,625,625$97,777,703
77$151,372,751$40,947,436$27,438,836$106,636,671
78$166,731,543$42,872,632$28,276,810$116,349,762
79$183,654,374$44,889,604$29,140,296$127,001,831
80$202,300,694$47,002,769$30,030,070$138,686,282
81$222,846,216$49,216,756$30,946,929$151,505,937
82$245,484,574$51,536,421$31,891,694$165,573,986
83$270,429,147$53,966,852$32,865,213$181,015,045
84$297,915,079$56,513,387$33,868,357$197,966,313
85$328,201,494$59,181,620$34,902,023$216,578,848
86$361,573,945$61,977,417$35,967,139$237,018,978
87$398,347,106$64,906,929$37,064,657$259,469,848
88$438,867,746$67,976,605$38,195,559$284,133,130
89$483,518,004$71,193,206$39,360,857$311,230,907
90$532,718,988$74,563,821$40,561,594$341,007,743
91$586,934,761$78,095,884$41,798,843$373,732,974
92$646,676,713$81,797,189$43,073,711$409,703,218
93$712,508,394$85,675,907$44,387,337$449,245,160
94$785,050,833$89,740,609$45,740,895$492,718,598
95$864,988,397$94,000,279$47,135,595$540,519,818
96$953,075,258$98,464,337$48,572,682$593,085,306
97$1,050,142,508$103,142,662$50,053,439$650,895,832
98$1,157,106,004$108,045,613$51,579,190$714,480,960
99$1,274,975,019$113,184,051$53,151,296$784,424,015
100$1,404,861,766$118,569,365$54,771,159$861,367,549