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%13.4%
1 years$1,048,754$1,039,412$1,030,298$1,021,402$1,012,716$998,406
2 years$519,185$509,516$500,145$491,059$482,246$467,857
3 years$342,685$332,974$323,627$314,626$305,956$291,935
4 years$254,453$244,771$235,517$226,670$218,211$204,666
5 years$201,527$191,904$182,771$174,105$165,880$152,851
6 years$166,255$156,704$147,706$139,233$131,255$118,756
7 years$141,070$131,600$122,745$114,471$106,746$94,782
8 years$122,190$112,805$104,097$96,027$88,556$77,125
9 years$107,513$98,217$89,659$81,794$74,577$63,674
10 years$95,779$86,574$78,167$70,507$63,543$53,160
11 years$86,184$77,071$68,817$61,362$54,649$44,776
12 years$78,195$69,175$61,073$53,823$47,358$37,983
13 years$71,439$62,514$54,565$47,517$41,297$32,407
14 years$65,654$56,824$49,027$42,181$36,201$27,783
15 years$60,645$51,909$44,264$37,618$31,874$23,913
16 years$56,266$47,626$40,132$33,683$28,170$20,651
17 years$52,406$43,862$36,519$30,264$24,978$17,885
18 years$48,979$40,530$33,337$27,274$22,209$15,526
19 years$45,916$37,563$30,518$24,644$19,795$13,506
20 years$43,163$34,905$28,008$22,320$17,682$11,770
21 years$40,676$32,513$25,762$20,257$15,823$10,272
22 years$38,417$30,350$23,744$18,418$14,183$8,977
23 years$36,358$28,385$21,923$16,774$12,732$7,854
24 years$34,474$26,595$20,275$15,299$11,443$6,878
25 years$32,743$24,958$18,779$13,972$10,297$6,029
26 years$31,147$23,457$17,417$12,775$9,276$5,288
27 years$29,672$22,076$16,173$11,693$8,363$4,642
28 years$28,306$20,802$15,035$10,713$7,546$4,076
29 years$27,035$19,624$13,991$9,824$6,814$3,582
30 years$25,852$18,533$13,032$9,016$6,157$3,149
31 years$24,747$17,520$12,150$8,281$5,566$2,769
32 years$23,713$16,577$11,336$7,610$5,035$2,436
33 years$22,744$15,699$10,584$6,998$4,557$2,143
34 years$21,834$14,879$9,889$6,439$4,126$1,886
35 years$20,977$14,112$9,246$5,927$3,737$1,661
36 years$20,171$13,395$8,649$5,459$3,386$1,462
37 years$19,409$12,722$8,095$5,030$3,068$1,288
38 years$18,689$12,090$7,581$4,636$2,782$1,134
39 years$18,008$11,497$7,103$4,275$2,523$999
40 years$17,363$10,938$6,657$3,943$2,288$881
41 years$16,751$10,412$6,242$3,638$2,076$776
42 years$16,169$9,916$5,856$3,357$1,884$684
43 years$15,616$9,448$5,495$3,099$1,710$603
44 years$15,089$9,006$5,158$2,861$1,552$531
45 years$14,588$8,588$4,843$2,643$1,409$468
46 years$14,109$8,193$4,549$2,441$1,279$413
47 years$13,653$7,818$4,273$2,255$1,161$364
48 years$13,216$7,464$4,016$2,084$1,055$321
49 years$12,799$7,127$3,775$1,926$958$283
50 years$12,400$6,808$3,549$1,780$870$249

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 $3,580 every year, while hoping to spend $47,186 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: 79/15/6 Blend
51$12,700,000$12,700,000$12,700,000$12,700,000
52$13,999,093$13,325,993$13,129,143$15,097,981
53$15,376,795$13,928,761$13,518,764$16,421,234
54$16,893,441$14,559,483$13,919,855$17,865,854
55$18,563,153$15,219,480$14,332,752$19,449,074
56$20,401,494$15,910,133$14,757,798$21,184,679
57$22,425,610$16,632,893$15,195,348$23,087,848
58$24,654,395$17,389,278$15,645,765$25,175,293
59$27,108,669$18,180,878$16,109,424$27,465,411
60$29,811,375$19,009,363$16,586,711$29,978,462
61$32,787,792$19,876,478$17,078,022$32,736,755
62$36,065,776$20,784,055$17,583,766$35,764,853
63$39,676,024$21,734,013$18,104,361$39,089,809
64$43,652,361$22,728,362$18,640,239$42,741,413
65$48,032,060$23,769,209$19,191,845$46,752,473
66$52,856,193$24,858,764$19,759,635$51,159,124
67$58,170,021$25,999,340$20,344,080$56,001,160
68$64,023,419$27,193,363$20,945,662$61,322,414
69$70,471,344$28,443,374$21,564,878$67,171,163
70$77,574,361$29,752,039$22,202,241$73,600,582
71$85,399,206$31,122,149$22,858,276$80,669,244
72$94,019,421$32,556,630$23,533,524$88,441,667
73$103,516,047$34,058,551$24,228,543$96,988,921
74$113,978,388$35,631,124$24,943,904$106,389,295
75$125,504,855$37,277,721$25,680,196$116,729,029
76$138,203,893$39,001,871$26,438,025$128,103,127
77$152,195,005$40,807,278$27,218,014$140,616,247
78$167,609,882$42,697,821$28,020,803$154,383,688
79$184,593,642$44,677,566$28,847,052$169,532,467
80$203,306,203$46,750,776$29,697,438$186,202,519
81$223,923,792$48,921,921$30,572,658$204,548,010
82$246,640,606$51,195,682$31,473,430$224,738,787
83$271,670,648$53,576,971$32,400,490$246,961,973
84$299,249,744$56,070,932$33,354,596$271,423,732
85$329,637,772$58,682,962$34,336,529$298,351,205
86$363,121,112$61,418,714$35,347,090$327,994,651
87$400,015,351$64,284,117$36,387,103$360,629,796
88$440,668,264$67,285,385$37,457,418$396,560,437
89$485,463,091$70,429,033$38,558,906$436,121,295
90$534,822,160$73,721,890$39,692,463$479,681,170
91$589,210,872$77,171,114$40,859,012$527,646,416
92$649,142,093$80,784,212$42,059,502$580,464,765
93$715,180,998$84,569,049$43,294,906$638,629,543
94$787,950,404$88,533,876$44,566,229$702,684,324
95$868,136,648$92,687,339$45,874,501$773,228,045
96$956,496,071$97,038,504$47,220,782$850,920,654
97$1,053,862,155$101,596,875$48,606,162$936,489,326
98$1,161,153,388$106,372,416$50,031,763$1,030,735,317
99$1,279,381,942$111,375,573$51,498,735$1,134,541,520
100$1,409,663,222$116,617,298$53,008,265$1,248,880,781