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%16.5%
1 years$1,048,754$1,039,412$1,030,298$1,021,402$1,012,716$985,835
2 years$519,185$509,516$500,145$491,059$482,246$455,351
3 years$342,685$332,974$323,627$314,626$305,956$279,890
4 years$254,453$244,771$235,517$226,670$218,211$193,172
5 years$201,527$191,904$182,771$174,105$165,880$141,940
6 years$166,255$156,704$147,706$139,233$131,255$108,435
7 years$141,070$131,600$122,745$114,471$106,746$85,048
8 years$122,190$112,805$104,097$96,027$88,556$67,969
9 years$107,513$98,217$89,659$81,794$74,577$55,083
10 years$95,779$86,574$78,167$70,507$63,543$45,117
11 years$86,184$77,071$68,817$61,362$54,649$37,264
12 years$78,195$69,175$61,073$53,823$47,358$30,981
13 years$71,439$62,514$54,565$47,517$41,297$25,894
14 years$65,654$56,824$49,027$42,181$36,201$21,737
15 years$60,645$51,909$44,264$37,618$31,874$18,312
16 years$56,266$47,626$40,132$33,683$28,170$15,472
17 years$52,406$43,862$36,519$30,264$24,978$13,104
18 years$48,979$40,530$33,337$27,274$22,209$11,121
19 years$45,916$37,563$30,518$24,644$19,795$9,454
20 years$43,163$34,905$28,008$22,320$17,682$8,049
21 years$40,676$32,513$25,762$20,257$15,823$6,861
22 years$38,417$30,350$23,744$18,418$14,183$5,854
23 years$36,358$28,385$21,923$16,774$12,732$5,000
24 years$34,474$26,595$20,275$15,299$11,443$4,273
25 years$32,743$24,958$18,779$13,972$10,297$3,654
26 years$31,147$23,457$17,417$12,775$9,276$3,127
27 years$29,672$22,076$16,173$11,693$8,363$2,677
28 years$28,306$20,802$15,035$10,713$7,546$2,292
29 years$27,035$19,624$13,991$9,824$6,814$1,964
30 years$25,852$18,533$13,032$9,016$6,157$1,683
31 years$24,747$17,520$12,150$8,281$5,566$1,442
32 years$23,713$16,577$11,336$7,610$5,035$1,236
33 years$22,744$15,699$10,584$6,998$4,557$1,060
34 years$21,834$14,879$9,889$6,439$4,126$909
35 years$20,977$14,112$9,246$5,927$3,737$780
36 years$20,171$13,395$8,649$5,459$3,386$669
37 years$19,409$12,722$8,095$5,030$3,068$574
38 years$18,689$12,090$7,581$4,636$2,782$492
39 years$18,008$11,497$7,103$4,275$2,523$422
40 years$17,363$10,938$6,657$3,943$2,288$362
41 years$16,751$10,412$6,242$3,638$2,076$311
42 years$16,169$9,916$5,856$3,357$1,884$267
43 years$15,616$9,448$5,495$3,099$1,710$229
44 years$15,089$9,006$5,158$2,861$1,552$197
45 years$14,588$8,588$4,843$2,643$1,409$169
46 years$14,109$8,193$4,549$2,441$1,279$145
47 years$13,653$7,818$4,273$2,255$1,161$124
48 years$13,216$7,464$4,016$2,084$1,055$107
49 years$12,799$7,127$3,775$1,926$958$92
50 years$12,400$6,808$3,549$1,780$870$79

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 $3,422 every year, while hoping to spend $50,393 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: 36/50/14 Blend
51$12,700,000$12,700,000$12,700,000$12,700,000
52$13,998,930$13,325,830$13,128,980$14,442,453
53$15,373,203$13,925,178$13,515,183$15,361,658
54$16,885,963$14,552,205$13,912,635$16,348,295
55$18,551,282$15,208,214$14,321,659$17,412,334
56$20,384,667$15,894,570$14,742,589$18,560,691
57$22,403,203$16,612,705$15,175,766$19,800,945
58$24,625,719$17,364,116$15,621,543$21,141,401
59$27,072,958$18,150,373$16,080,280$22,591,167
60$29,767,782$18,973,124$16,552,351$24,160,228
61$32,735,379$19,834,090$17,038,138$25,859,537
62$36,003,506$20,735,079$17,538,035$27,701,110
63$39,602,749$21,677,984$18,052,445$29,698,132
64$43,566,813$22,664,788$18,581,785$31,865,076
65$47,932,835$23,697,570$19,126,482$34,217,827
66$52,741,741$24,778,507$19,686,975$36,773,828
67$58,038,627$25,909,883$20,263,718$39,552,231
68$63,873,189$27,094,089$20,857,174$42,574,073
69$70,300,186$28,333,632$21,467,822$45,862,464
70$77,379,964$29,631,138$22,096,152$49,442,791
71$85,179,017$30,989,360$22,742,670$53,342,952
72$93,770,621$32,411,184$23,407,895$57,593,606
73$103,235,525$33,899,633$24,092,360$62,228,450
74$113,662,709$35,457,875$24,796,614$67,284,525
75$125,150,225$37,089,231$25,521,221$72,802,556
76$137,806,127$38,797,182$26,266,760$78,827,318
77$151,749,484$40,585,376$27,033,829$85,408,049
78$167,111,509$42,457,636$27,823,039$92,598,897
79$184,036,792$44,417,970$28,635,020$100,459,418
80$202,684,671$46,470,577$29,470,420$109,055,120
81$223,230,733$48,619,860$30,329,904$118,458,068
82$245,868,467$50,870,433$31,214,155$128,747,543
83$270,811,099$53,227,132$32,123,878$140,010,774
84$298,293,596$55,695,027$33,059,793$152,343,741
85$328,574,891$58,279,431$34,022,644$165,852,063
86$361,940,322$60,985,915$35,013,194$180,651,970
87$398,704,326$63,820,317$36,032,228$196,871,383
88$439,213,410$66,788,755$37,080,551$214,651,095
89$483,849,421$69,897,647$38,158,992$234,146,076
90$533,033,146$73,153,716$39,268,402$255,526,912
91$587,228,290$76,564,011$40,409,657$278,981,388
92$646,945,851$80,135,923$41,583,656$304,716,234
93$712,748,941$83,877,197$42,791,322$332,959,045
94$785,258,107$87,795,953$44,033,605$363,960,400
95$865,157,184$91,900,705$45,311,481$397,996,197
96$953,199,754$96,200,376$46,625,952$435,370,223
97$1,050,216,257$100,704,323$47,978,049$476,416,987
98$1,157,121,832$105,422,351$49,368,831$521,504,841
99$1,274,924,956$110,364,744$50,799,384$571,039,418
100$1,404,736,965$115,542,280$52,270,827$625,467,422