Can I retire at age 52 with 12,800,000?

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 $12,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$1,057,012$1,047,597$1,038,411$1,029,445$1,020,690$993,196
2 years$523,273$513,528$504,083$494,925$486,043$458,539
3 years$345,384$335,596$326,175$317,104$308,366$281,713
4 years$256,456$246,699$237,372$228,455$219,929$194,333
5 years$203,114$193,415$184,210$175,476$167,186$142,717
6 years$167,564$157,938$148,869$140,329$132,289$108,970
7 years$142,181$132,636$123,711$115,372$107,586$85,418
8 years$123,152$113,693$104,917$96,783$89,253$68,225
9 years$108,360$98,991$90,365$82,438$75,164$55,257
10 years$96,533$87,255$78,782$71,062$64,044$45,232
11 years$86,863$77,678$69,359$61,845$55,080$37,334
12 years$78,810$69,720$61,554$54,247$47,731$31,019
13 years$72,002$63,006$54,994$47,892$41,622$25,909
14 years$66,171$57,271$49,413$42,513$36,486$21,734
15 years$61,122$52,318$44,613$37,914$32,125$18,297
16 years$56,709$48,001$40,448$33,948$28,392$15,448
17 years$52,819$44,207$36,806$30,502$25,174$13,074
18 years$49,365$40,849$33,599$27,488$22,384$11,088
19 years$46,278$37,859$30,759$24,838$19,951$9,419
20 years$43,503$35,180$28,229$22,496$17,821$8,013
21 years$40,996$32,769$25,965$20,416$15,948$6,825
22 years$38,720$30,589$23,931$18,563$14,295$5,819
23 years$36,645$28,609$22,096$16,906$12,832$4,966
24 years$34,745$26,805$20,435$15,419$11,534$4,240
25 years$33,000$25,155$18,927$14,082$10,378$3,623
26 years$31,392$23,642$17,554$12,875$9,349$3,098
27 years$29,906$22,249$16,300$11,785$8,428$2,650
28 years$28,528$20,966$15,153$10,798$7,605$2,267
29 years$27,248$19,779$14,101$9,902$6,867$1,941
30 years$26,055$18,679$13,135$9,087$6,205$1,662
31 years$24,942$17,658$12,245$8,346$5,610$1,423
32 years$23,900$16,708$11,425$7,670$5,075$1,219
33 years$22,923$15,822$10,668$7,053$4,592$1,044
34 years$22,006$14,996$9,967$6,490$4,158$895
35 years$21,143$14,224$9,319$5,974$3,766$767
36 years$20,329$13,500$8,717$5,502$3,412$657
37 years$19,562$12,822$8,159$5,069$3,093$563
38 years$18,837$12,186$7,641$4,673$2,804$483
39 years$18,150$11,587$7,159$4,308$2,543$414
40 years$17,500$11,024$6,710$3,974$2,306$355
41 years$16,882$10,494$6,292$3,666$2,092$304
42 years$16,296$9,994$5,902$3,384$1,898$261
43 years$15,739$9,523$5,538$3,123$1,723$224
44 years$15,208$9,077$5,198$2,884$1,564$192
45 years$14,703$8,656$4,881$2,663$1,420$164
46 years$14,220$8,257$4,584$2,460$1,289$141
47 years$13,760$7,880$4,307$2,273$1,171$121
48 years$13,320$7,522$4,047$2,100$1,063$104
49 years$12,900$7,184$3,804$1,941$965$89
50 years$12,497$6,862$3,577$1,794$877$76

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $12,800,000, adding $2,344 every year, while hoping to spend $23,939 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: 74/21/5 Blend
51$12,800,000$12,800,000$12,800,000$12,800,000
52$14,108,018$13,429,618$13,231,218$15,146,729
53$15,521,565$14,062,198$13,648,993$16,462,826
54$17,078,491$14,724,973$14,079,961$17,900,812
55$18,793,396$15,419,395$14,524,539$19,475,303
56$20,682,368$16,146,991$14,983,156$21,199,777
57$22,763,135$16,909,359$15,456,257$23,089,067
58$25,055,231$17,708,174$15,944,298$25,159,496
59$27,580,184$18,545,194$16,447,752$27,429,030
60$30,361,716$19,422,262$16,967,105$29,917,445
61$33,425,968$20,341,309$17,502,859$32,646,510
62$36,801,745$21,304,361$18,055,533$35,640,189
63$40,520,790$22,313,543$18,625,661$38,924,862
64$44,618,084$23,371,080$19,213,794$42,529,576
65$49,132,173$24,479,307$19,820,500$46,486,307
66$54,105,536$25,640,674$20,446,368$50,830,266
67$59,584,980$26,857,747$21,092,001$55,600,220
68$65,622,090$28,133,218$21,758,025$60,838,861
69$72,273,707$29,469,910$22,445,082$66,593,197
70$79,602,471$30,870,781$23,153,839$72,914,995
71$87,677,409$32,338,936$23,884,979$79,861,267
72$96,574,590$33,877,628$24,639,210$87,494,795
73$106,377,836$35,490,270$25,417,262$95,884,728
74$117,179,521$37,180,440$26,219,886$105,107,220
75$129,081,440$38,951,888$27,047,860$115,246,149
76$142,195,767$40,808,551$27,901,983$126,393,900
77$156,646,117$42,754,552$28,783,082$138,652,230
78$172,568,715$44,794,219$29,692,009$152,133,225
79$190,113,675$46,932,087$30,629,642$166,960,345
80$209,446,425$49,172,914$31,596,890$183,269,587
81$230,749,261$51,521,688$32,594,686$201,210,758
82$254,223,074$53,983,639$33,623,997$220,948,883
83$280,089,244$56,564,254$34,685,818$242,665,754
84$308,591,729$59,269,285$35,781,175$266,561,632
85$339,999,369$62,104,763$36,911,128$292,857,135
86$374,608,424$65,077,016$38,076,770$321,795,309
87$412,745,370$68,192,676$39,279,228$353,643,906
88$454,769,981$71,458,700$40,519,665$388,697,910
89$501,078,726$74,882,384$41,799,282$427,282,301
90$552,108,514$78,471,378$43,119,315$469,755,118
91$608,340,812$82,233,705$44,481,041$516,510,824
92$670,306,197$86,177,779$45,885,779$567,984,014
93$738,589,362$90,312,423$47,334,885$624,653,508
94$813,834,635$94,646,891$48,829,762$687,046,854
95$896,752,066$99,190,886$50,371,857$755,745,294
96$988,124,122$103,954,585$51,962,660$831,389,237
97$1,088,813,083$108,948,660$53,603,710$914,684,283
98$1,199,769,178$114,184,305$55,296,594$1,006,407,874
99$1,322,039,556$119,673,257$57,042,951$1,107,416,609
100$1,456,778,170$125,427,826$58,844,470$1,218,654,314