Can I retire at age 52 with 12,600,000?

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 $12,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$1,040,496$1,031,228$1,022,186$1,013,360$1,004,742$988,504
2 years$515,097$505,504$496,207$487,192$478,448$462,134
3 years$339,987$330,352$321,079$312,149$303,547$287,663
4 years$252,449$242,844$233,663$224,886$216,493$201,162
5 years$199,940$190,393$181,332$172,734$164,574$149,841
6 years$164,946$155,470$146,543$138,137$130,222$116,103
7 years$139,959$130,563$121,778$113,570$105,905$92,406
8 years$121,228$111,917$103,277$95,271$87,859$74,975
9 years$106,667$97,444$88,953$81,150$73,990$61,716
10 years$95,025$85,892$77,551$69,952$63,043$51,368
11 years$85,506$76,465$68,275$60,879$54,219$43,132
12 years$77,579$68,630$60,592$53,399$46,985$36,471
13 years$70,877$62,022$54,135$47,143$40,972$31,016
14 years$65,137$56,376$48,641$41,849$35,916$26,500
15 years$60,167$51,501$43,916$37,322$31,623$22,731
16 years$55,823$47,251$39,816$33,417$27,949$19,562
17 years$51,993$43,516$36,231$30,025$24,781$16,882
18 years$48,593$40,211$33,074$27,059$22,034$14,603
19 years$45,555$37,267$30,278$24,450$19,640$12,656
20 years$42,823$34,630$27,788$22,144$17,542$10,988
21 years$40,355$32,257$25,559$20,097$15,698$9,554
22 years$38,115$30,111$23,557$18,273$14,071$8,318
23 years$36,072$28,162$21,751$16,642$12,631$7,249
24 years$34,202$26,386$20,116$15,178$11,353$6,324
25 years$32,485$24,762$18,631$13,862$10,216$5,521
26 years$30,902$23,272$17,279$12,674$9,202$4,823
27 years$29,439$21,902$16,045$11,601$8,297$4,217
28 years$28,083$20,638$14,916$10,629$7,486$3,688
29 years$26,822$19,470$13,881$9,747$6,760$3,228
30 years$25,648$18,387$12,930$8,945$6,108$2,826
31 years$24,552$17,382$12,054$8,216$5,522$2,475
32 years$23,526$16,447$11,246$7,550$4,995$2,168
33 years$22,565$15,575$10,501$6,943$4,521$1,900
34 years$21,662$14,762$9,811$6,388$4,093$1,665
35 years$20,812$14,001$9,173$5,881$3,707$1,460
36 years$20,012$13,289$8,581$5,416$3,359$1,280
37 years$19,256$12,622$8,032$4,990$3,044$1,122
38 years$18,542$11,995$7,521$4,600$2,760$984
39 years$17,867$11,406$7,047$4,241$2,503$864
40 years$17,226$10,852$6,605$3,912$2,270$758
41 years$16,619$10,330$6,193$3,609$2,060$665
42 years$16,042$9,838$5,810$3,331$1,869$583
43 years$15,493$9,374$5,451$3,075$1,696$512
44 years$14,971$8,935$5,117$2,839$1,540$449
45 years$14,473$8,520$4,805$2,622$1,398$394
46 years$13,998$8,128$4,513$2,422$1,269$346
47 years$13,545$7,757$4,240$2,237$1,152$304
48 years$13,112$7,405$3,984$2,068$1,046$266
49 years$12,698$7,071$3,745$1,911$950$234
50 years$12,302$6,755$3,521$1,766$863$205

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $12,600,000, adding $6,964 every year, while hoping to spend $34,674 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: 24/46/30 Blend
51$12,600,000$12,600,000$12,600,000$12,600,000
52$13,892,383$13,224,583$13,029,283$14,094,967
53$15,272,514$13,835,695$13,428,871$14,881,278
54$16,792,255$14,475,589$13,840,684$15,719,742
55$18,465,811$15,145,639$14,265,093$16,617,347
56$20,308,834$15,847,285$14,702,483$17,579,045
57$22,338,569$16,582,037$15,153,251$18,610,250
58$24,574,022$17,351,475$15,617,803$19,716,877
59$27,036,134$18,157,259$16,096,561$20,905,396
60$29,747,981$19,001,127$16,589,958$22,182,882
61$32,734,993$19,884,900$17,098,440$23,557,080
62$36,025,191$20,810,489$17,622,466$25,036,465
63$39,649,453$21,779,895$18,162,511$26,630,315
64$43,641,805$22,795,217$18,719,063$28,348,796
65$48,039,742$23,858,656$19,292,624$30,203,040
66$52,884,583$24,972,517$19,883,714$32,205,249
67$58,221,858$26,139,218$20,492,866$34,368,798
68$64,101,741$27,361,293$21,120,631$36,708,351
69$70,579,521$28,641,400$21,767,575$39,239,988
70$77,716,127$29,982,323$22,434,283$41,981,348
71$85,578,697$31,386,982$23,121,357$44,951,784
72$94,241,219$32,858,438$23,829,417$48,172,535
73$103,785,223$34,399,901$24,559,102$51,666,909
74$114,300,554$36,014,735$25,311,070$55,460,497
75$125,886,220$37,706,467$26,086,001$59,581,396
76$138,651,325$39,478,794$26,884,592$64,060,464
77$152,716,099$41,335,594$27,707,565$68,931,594
78$168,213,034$43,280,930$28,555,661$74,232,018
79$185,288,132$45,319,065$29,429,645$80,002,644
80$204,102,288$47,454,466$30,330,304$86,288,426
81$224,832,803$49,691,816$31,258,451$93,138,769
82$247,675,061$52,036,027$32,214,921$100,607,976
83$272,844,372$54,492,247$33,200,576$108,755,746
84$300,578,007$57,065,876$34,216,304$117,647,711
85$331,137,433$59,762,573$35,263,019$127,356,039
86$364,810,785$62,588,273$36,341,664$137,960,094
87$401,915,584$65,549,198$37,453,209$149,547,155
88$442,801,738$68,651,873$38,598,656$162,213,226
89$487,854,839$71,903,138$39,779,034$176,063,908
90$537,499,806$75,310,165$40,995,406$191,215,374
91$592,204,899$78,880,476$42,248,864$207,795,439
92$652,486,135$82,621,956$43,540,538$225,944,733
93$718,912,161$86,542,872$44,871,586$245,818,001
94$792,109,624$90,651,896$46,243,207$267,585,535
95$872,769,084$94,958,117$47,656,633$291,434,742
96$961,651,534$99,471,067$49,113,133$317,571,883
97$1,059,595,583$104,200,742$50,614,016$346,223,983
98$1,167,525,376$109,157,623$52,160,629$377,640,935
99$1,286,459,317$114,352,698$53,754,362$412,097,820
100$1,417,519,679$119,797,493$55,396,645$449,897,462