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%15.2%
1 years$1,032,238$1,023,044$1,014,073$1,005,317$996,768$975,446
2 years$511,009$501,492$492,268$483,326$474,651$453,274
3 years$337,289$327,731$318,530$309,671$301,138$280,373
4 years$250,446$240,917$231,808$223,101$214,774$194,780
5 years$198,353$188,882$179,893$171,363$163,268$144,102
6 years$163,636$154,236$145,380$137,040$129,188$110,871
7 years$138,848$129,527$120,812$112,668$105,065$87,599
8 years$120,266$111,029$102,458$94,515$87,161$70,542
9 years$105,820$96,670$88,247$80,506$73,402$57,617
10 years$94,271$85,210$76,936$69,397$62,543$47,576
11 years$84,827$75,858$67,733$60,396$53,789$39,621
12 years$76,963$68,086$60,111$52,975$46,612$33,222
13 years$70,314$61,530$53,705$46,769$40,647$28,010
14 years$64,620$55,929$48,255$41,516$35,631$23,723
15 years$59,690$51,092$43,567$37,025$31,372$20,167
16 years$55,380$46,876$39,500$33,152$27,727$17,198
17 years$51,581$43,171$35,944$29,787$24,584$14,703
18 years$48,208$39,892$32,812$26,844$21,859$12,599
19 years$45,193$36,971$30,038$24,256$19,484$10,815
20 years$42,484$34,356$27,567$21,968$17,403$9,299
21 years$40,035$32,001$25,356$19,938$15,574$8,005
22 years$37,812$29,872$23,370$18,128$13,960$6,900
23 years$35,786$27,938$21,578$16,509$12,531$5,953
24 years$33,931$26,176$19,956$15,058$11,263$5,140
25 years$32,227$24,565$18,483$13,752$10,135$4,442
26 years$30,657$23,087$17,142$12,574$9,129$3,841
27 years$29,205$21,728$15,918$11,509$8,231$3,322
28 years$27,860$20,474$14,798$10,545$7,427$2,876
29 years$26,609$19,315$13,771$9,670$6,706$2,490
30 years$25,445$18,241$12,827$8,874$6,060$2,156
31 years$24,357$17,244$11,958$8,150$5,478$1,868
32 years$23,340$16,316$11,157$7,490$4,956$1,619
33 years$22,386$15,452$10,418$6,888$4,485$1,403
34 years$21,490$14,645$9,734$6,338$4,061$1,217
35 years$20,647$13,890$9,100$5,834$3,678$1,055
36 years$19,853$13,184$8,513$5,373$3,332$915
37 years$19,103$12,522$7,968$4,951$3,020$794
38 years$18,395$11,900$7,462$4,563$2,738$688
39 years$17,725$11,316$6,991$4,207$2,483$597
40 years$17,089$10,766$6,552$3,881$2,252$518
41 years$16,487$10,248$6,144$3,580$2,043$450
42 years$15,914$9,760$5,763$3,304$1,854$390
43 years$15,370$9,299$5,408$3,050$1,683$339
44 years$14,852$8,864$5,077$2,816$1,527$294
45 years$14,358$8,453$4,767$2,601$1,387$255
46 years$13,887$8,064$4,477$2,403$1,259$221
47 years$13,438$7,695$4,206$2,220$1,143$192
48 years$13,008$7,346$3,953$2,051$1,038$167
49 years$12,597$7,015$3,715$1,896$943$145
50 years$12,204$6,701$3,493$1,752$856$126

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 $4,195 every year, while hoping to spend $36,795 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: 72/18/10 Blend
51$12,500,000$12,500,000$12,500,000$12,500,000
52$13,779,327$13,116,827$12,923,077$14,745,018
53$15,145,669$13,720,402$13,316,851$15,987,514
54$16,650,144$14,352,319$13,722,582$17,342,581
55$18,306,804$15,013,928$14,140,634$18,825,281
56$20,131,131$15,706,643$14,571,378$20,448,203
57$22,140,186$16,431,948$15,015,199$22,225,205
58$24,352,769$17,191,397$15,472,492$24,171,536
59$26,789,594$17,986,619$15,943,663$26,303,984
60$29,473,491$18,819,321$16,429,134$28,641,026
61$32,429,613$19,691,294$16,929,336$31,203,004
62$35,685,678$20,604,412$17,444,714$34,012,312
63$39,272,233$21,560,644$17,975,727$37,093,603
64$43,222,934$22,562,048$18,522,847$40,474,021
65$47,574,872$23,610,788$19,086,561$44,183,454
66$52,368,918$24,709,126$19,667,370$48,254,810
67$57,650,112$25,859,437$20,265,791$52,724,327
68$63,468,083$27,064,209$20,882,355$57,631,908
69$69,877,524$28,326,052$21,517,610$63,021,498
70$76,938,702$29,647,699$22,172,121$68,941,490
71$84,718,032$31,032,018$22,846,469$75,445,180
72$93,288,697$32,482,013$23,541,252$82,591,268
73$102,731,347$34,000,835$24,257,087$90,444,400
74$113,134,855$35,591,786$24,994,610$99,075,782
75$124,597,155$37,258,329$25,754,474$108,563,840
76$137,226,170$39,004,092$26,537,354$118,994,960
77$151,140,828$40,832,881$27,343,943$130,464,295
78$166,472,184$42,748,684$28,174,958$143,076,656
79$183,364,662$44,755,684$29,031,134$156,947,500
80$201,977,410$46,858,265$29,913,229$172,204,009
81$222,485,809$49,061,024$30,822,026$188,986,286
82$245,083,126$51,368,778$31,758,328$207,448,670
83$269,982,338$53,786,582$32,722,965$227,761,185
84$297,418,143$56,319,730$33,716,791$250,111,139
85$327,649,174$58,973,778$34,740,684$274,704,881
86$360,960,444$61,754,547$35,795,551$301,769,745
87$397,666,031$64,668,142$36,882,324$331,556,183
88$438,112,048$67,720,963$38,001,964$364,340,123
89$482,679,908$70,919,721$39,155,460$400,425,561
90$531,789,923$74,271,451$40,343,833$440,147,426
91$585,905,274$77,783,532$41,568,130$483,874,725
92$645,536,384$81,463,696$42,829,434$532,014,020
93$711,245,733$85,320,056$44,128,858$585,013,253
94$783,653,172$89,361,113$45,467,549$643,365,963
95$863,441,772$93,595,783$46,846,688$707,615,930
96$951,364,272$98,033,416$48,267,491$778,362,301
97$1,048,250,187$102,683,812$49,731,212$856,265,225
98$1,155,013,638$107,557,252$51,239,140$942,052,079
99$1,272,661,983$112,664,510$52,792,604$1,036,524,310
100$1,402,305,322$118,016,889$54,392,974$1,140,564,996