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%12.5%
1 years$1,040,496$1,031,228$1,022,186$1,013,360$1,004,742$994,249
2 years$515,097$505,504$496,207$487,192$478,448$467,882
3 years$339,987$330,352$321,079$312,149$303,547$293,235
4 years$252,449$242,844$233,663$224,886$216,493$206,513
5 years$199,940$190,393$181,332$172,734$164,574$154,958
6 years$164,946$155,470$146,543$138,137$130,222$120,980
7 years$139,959$130,563$121,778$113,570$105,905$97,042
8 years$121,228$111,917$103,277$95,271$87,859$79,373
9 years$106,667$97,444$88,953$81,150$73,990$65,879
10 years$95,025$85,892$77,551$69,952$63,043$55,302
11 years$85,506$76,465$68,275$60,879$54,219$46,841
12 years$77,579$68,630$60,592$53,399$46,985$39,963
13 years$70,877$62,022$54,135$47,143$40,972$34,297
14 years$65,137$56,376$48,641$41,849$35,916$29,580
15 years$60,167$51,501$43,916$37,322$31,623$25,616
16 years$55,823$47,251$39,816$33,417$27,949$22,260
17 years$51,993$43,516$36,231$30,025$24,781$19,400
18 years$48,593$40,211$33,074$27,059$22,034$16,951
19 years$45,555$37,267$30,278$24,450$19,640$14,842
20 years$42,823$34,630$27,788$22,144$17,542$13,020
21 years$40,355$32,257$25,559$20,097$15,698$11,441
22 years$38,115$30,111$23,557$18,273$14,071$10,066
23 years$36,072$28,162$21,751$16,642$12,631$8,868
24 years$34,202$26,386$20,116$15,178$11,353$7,821
25 years$32,485$24,762$18,631$13,862$10,216$6,904
26 years$30,902$23,272$17,279$12,674$9,202$6,099
27 years$29,439$21,902$16,045$11,601$8,297$5,392
28 years$28,083$20,638$14,916$10,629$7,486$4,770
29 years$26,822$19,470$13,881$9,747$6,760$4,222
30 years$25,648$18,387$12,930$8,945$6,108$3,739
31 years$24,552$17,382$12,054$8,216$5,522$3,312
32 years$23,526$16,447$11,246$7,550$4,995$2,935
33 years$22,565$15,575$10,501$6,943$4,521$2,602
34 years$21,662$14,762$9,811$6,388$4,093$2,308
35 years$20,812$14,001$9,173$5,881$3,707$2,047
36 years$20,012$13,289$8,581$5,416$3,359$1,816
37 years$19,256$12,622$8,032$4,990$3,044$1,612
38 years$18,542$11,995$7,521$4,600$2,760$1,431
39 years$17,867$11,406$7,047$4,241$2,503$1,270
40 years$17,226$10,852$6,605$3,912$2,270$1,128
41 years$16,619$10,330$6,193$3,609$2,060$1,001
42 years$16,042$9,838$5,810$3,331$1,869$889
43 years$15,493$9,374$5,451$3,075$1,696$790
44 years$14,971$8,935$5,117$2,839$1,540$702
45 years$14,473$8,520$4,805$2,622$1,398$623
46 years$13,998$8,128$4,513$2,422$1,269$554
47 years$13,545$7,757$4,240$2,237$1,152$492
48 years$13,112$7,405$3,984$2,068$1,046$437
49 years$12,698$7,071$3,745$1,911$950$388
50 years$12,302$6,755$3,521$1,766$863$345

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 $3,698 every year, while hoping to spend $52,263 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: 65/6/29 Blend
51$12,600,000$12,600,000$12,600,000$12,600,000
52$13,889,014$13,221,214$13,025,914$14,684,605
53$15,250,087$13,813,447$13,406,675$15,815,627
54$16,748,236$14,432,946$13,798,440$17,045,299
55$18,397,391$15,080,995$14,201,522$18,388,329
56$20,212,895$15,758,934$14,616,243$19,855,890
57$22,211,658$16,468,170$15,042,935$21,460,281
58$24,412,312$17,210,175$15,481,938$23,215,044
59$26,835,387$17,986,493$15,933,603$25,135,086
60$29,503,507$18,798,741$16,398,288$27,236,823
61$32,441,598$19,648,613$16,876,364$29,538,326
62$35,677,129$20,537,883$17,368,211$32,059,499
63$39,240,369$21,468,412$17,874,219$34,822,256
64$43,164,671$22,442,148$18,394,789$37,850,732
65$47,486,788$23,461,134$18,930,335$41,171,505
66$52,247,219$24,527,509$19,481,280$44,813,847
67$57,490,593$25,643,514$20,048,061$48,809,997
68$63,266,087$26,811,500$20,631,124$53,195,462
69$69,627,892$28,033,928$21,230,931$58,009,354
70$76,635,724$29,313,378$21,847,955$63,294,752
71$84,355,388$30,652,553$22,482,681$69,099,105
72$92,859,396$32,054,286$23,135,609$75,474,685
73$102,227,655$33,521,547$23,807,252$82,479,070
74$112,548,219$35,057,446$24,498,139$90,175,686
75$123,918,121$36,665,245$25,208,811$98,634,406
76$136,444,288$38,348,361$25,939,824$107,932,204
77$150,244,549$40,110,374$26,691,752$118,153,878
78$165,448,750$41,955,039$27,465,183$129,392,850
79$182,199,976$43,886,289$28,260,719$141,752,041
80$200,655,903$45,908,247$29,078,983$155,344,839
81$220,990,288$48,025,234$29,920,612$170,296,171
82$243,394,607$50,241,779$30,786,262$186,743,671
83$268,079,859$52,562,630$31,676,604$204,838,981
84$295,278,567$54,992,760$32,592,332$224,749,176
85$325,246,961$57,537,386$33,534,156$246,658,335
86$358,267,406$60,201,972$34,502,805$270,769,281
87$394,651,061$62,992,249$35,499,029$297,305,481
88$434,740,822$65,914,222$36,523,599$326,513,162
89$478,914,551$68,974,184$37,577,305$358,663,619
90$527,588,651$72,178,735$38,660,961$394,055,782
91$581,221,992$75,534,791$39,775,401$433,019,024
92$640,320,240$79,049,601$40,921,482$475,916,269
93$705,440,639$82,730,766$42,100,086$523,147,412
94$777,197,262$86,586,251$43,312,117$575,153,087
95$856,266,813$90,624,408$44,558,503$632,418,822
96$943,395,015$94,853,991$45,840,200$695,479,615
97$1,039,403,646$99,284,176$47,158,186$764,924,979
98$1,145,198,302$103,924,585$48,513,469$841,404,498
99$1,261,776,940$108,785,300$49,907,081$925,633,955
100$1,390,239,304$113,876,896$51,340,085$1,018,402,080