Can I retire at age 52 with 12,700,000?

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 $12,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$1,048,754$1,039,412$1,030,298$1,021,402$1,012,716$983,056
2 years$519,185$509,516$500,145$491,059$482,246$452,604
3 years$342,685$332,974$323,627$314,626$305,956$277,262
4 years$254,453$244,771$235,517$226,670$218,211$190,684
5 years$201,527$191,904$182,771$174,105$165,880$139,596
6 years$166,255$156,704$147,706$139,233$131,255$106,237
7 years$141,070$131,600$122,745$114,471$106,746$82,993
8 years$122,190$112,805$104,097$96,027$88,556$66,055
9 years$107,513$98,217$89,659$81,794$74,577$53,305
10 years$95,779$86,574$78,167$70,507$63,543$43,471
11 years$86,184$77,071$68,817$61,362$54,649$35,743
12 years$78,195$69,175$61,073$53,823$47,358$29,579
13 years$71,439$62,514$54,565$47,517$41,297$24,607
14 years$65,654$56,824$49,027$42,181$36,201$20,556
15 years$60,645$51,909$44,264$37,618$31,874$17,232
16 years$56,266$47,626$40,132$33,683$28,170$14,487
17 years$52,406$43,862$36,519$30,264$24,978$12,207
18 years$48,979$40,530$33,337$27,274$22,209$10,306
19 years$45,916$37,563$30,518$24,644$19,795$8,716
20 years$43,163$34,905$28,008$22,320$17,682$7,381
21 years$40,676$32,513$25,762$20,257$15,823$6,258
22 years$38,417$30,350$23,744$18,418$14,183$5,310
23 years$36,358$28,385$21,923$16,774$12,732$4,510
24 years$34,474$26,595$20,275$15,299$11,443$3,833
25 years$32,743$24,958$18,779$13,972$10,297$3,260
26 years$31,147$23,457$17,417$12,775$9,276$2,774
27 years$29,672$22,076$16,173$11,693$8,363$2,361
28 years$28,306$20,802$15,035$10,713$7,546$2,010
29 years$27,035$19,624$13,991$9,824$6,814$1,712
30 years$25,852$18,533$13,032$9,016$6,157$1,459
31 years$24,747$17,520$12,150$8,281$5,566$1,243
32 years$23,713$16,577$11,336$7,610$5,035$1,060
33 years$22,744$15,699$10,584$6,998$4,557$903
34 years$21,834$14,879$9,889$6,439$4,126$770
35 years$20,977$14,112$9,246$5,927$3,737$657
36 years$20,171$13,395$8,649$5,459$3,386$560
37 years$19,409$12,722$8,095$5,030$3,068$478
38 years$18,689$12,090$7,581$4,636$2,782$407
39 years$18,008$11,497$7,103$4,275$2,523$347
40 years$17,363$10,938$6,657$3,943$2,288$296
41 years$16,751$10,412$6,242$3,638$2,076$253
42 years$16,169$9,916$5,856$3,357$1,884$216
43 years$15,616$9,448$5,495$3,099$1,710$184
44 years$15,089$9,006$5,158$2,861$1,552$157
45 years$14,588$8,588$4,843$2,643$1,409$134
46 years$14,109$8,193$4,549$2,441$1,279$114
47 years$13,653$7,818$4,273$2,255$1,161$97
48 years$13,216$7,464$4,016$2,084$1,055$83
49 years$12,799$7,127$3,775$1,926$958$71
50 years$12,400$6,808$3,549$1,780$870$61

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $12,700,000, adding $3,204 every year, while hoping to spend $36,140 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: 66/21/13 Blend
51$12,700,000$12,700,000$12,700,000$12,700,000
52$13,998,705$13,325,605$13,128,755$14,880,679
53$15,388,120$13,940,107$13,530,116$16,083,944
54$16,918,044$14,583,508$13,943,710$17,394,091
55$18,602,772$15,257,187$14,369,911$18,825,196
56$20,458,052$15,962,587$14,809,101$20,389,085
57$22,501,242$16,701,222$15,261,675$22,098,766
58$24,751,466$17,474,679$15,728,038$23,968,554
59$27,229,798$18,284,621$16,208,610$26,014,200
60$29,959,462$19,132,792$16,703,822$28,253,036
61$32,966,046$20,021,017$17,214,119$30,704,137
62$36,277,749$20,951,214$17,739,959$33,388,494
63$39,925,645$21,925,388$18,281,813$36,329,214
64$43,943,974$22,945,646$18,840,167$39,551,731
65$48,370,469$24,014,193$19,415,523$43,084,041
66$53,246,709$25,133,340$20,008,395$46,956,965
67$58,618,513$26,305,514$20,619,316$51,204,433
68$64,536,372$27,533,254$21,248,833$55,863,800
69$71,055,923$28,819,224$21,897,510$60,976,197
70$78,238,478$30,166,218$22,565,928$66,586,912
71$86,151,603$31,577,162$23,254,686$72,745,808
72$94,869,749$33,055,126$23,964,401$79,507,798
73$104,474,962$34,603,326$24,695,708$86,933,349
74$115,057,655$36,225,136$25,449,261$95,089,050
75$126,717,460$37,924,091$26,225,735$104,048,235
76$139,564,168$39,703,899$27,025,824$113,891,669
77$153,718,769$41,568,445$27,850,244$124,708,302
78$169,314,588$43,521,805$28,699,733$136,596,101
79$186,498,552$45,568,249$29,575,050$149,662,971
80$205,432,567$47,712,255$30,476,976$164,027,763
81$226,295,053$49,958,520$31,406,319$179,821,387
82$249,282,626$52,311,965$32,363,909$197,188,043
83$274,611,954$54,777,752$33,350,600$216,286,569
84$302,521,802$57,361,291$34,367,274$237,291,935
85$333,275,287$60,068,255$35,414,839$260,396,881
86$367,162,360$62,904,593$36,494,229$285,813,733
87$404,502,543$65,876,540$37,606,408$313,776,389
88$445,647,948$68,990,636$38,752,368$344,542,519
89$490,986,598$72,253,737$39,933,132$378,395,990
90$540,946,091$75,673,030$41,149,752$415,649,527
91$595,997,636$79,256,052$42,403,312$456,647,655
92$656,660,503$83,010,706$43,694,931$501,769,942
93$723,506,922$86,945,279$45,025,759$551,434,563
94$797,167,487$91,068,457$46,396,982$606,102,234
95$878,337,111$95,389,351$47,809,820$666,280,551
96$967,781,580$99,917,513$49,265,533$732,528,758
97$1,066,344,788$104,662,959$50,765,416$805,463,019
98$1,174,956,703$109,636,190$52,310,803$885,762,209
99$1,294,642,142$114,848,219$53,903,071$974,174,311
100$1,426,530,452$120,310,593$55,543,635$1,071,523,454