Can I retire at age 52 with 12,900,000?

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 $12,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$1,065,270$1,055,781$1,046,523$1,037,487$1,028,664$1,008,720
2 years$527,361$517,540$508,021$498,792$489,840$469,828
3 years$348,082$338,218$328,723$319,581$310,775$291,318
4 years$258,460$248,626$239,226$230,240$221,647$202,896
5 years$204,701$194,926$185,649$176,846$168,493$150,500
6 years$168,873$159,172$150,032$141,425$133,322$116,109
7 years$143,292$133,672$124,678$116,274$108,427$91,996
8 years$124,114$114,582$105,736$97,539$89,951$74,298
9 years$109,207$99,764$91,071$83,082$75,751$60,868
10 years$97,287$87,937$79,398$71,617$64,544$50,415
11 years$87,542$78,285$69,900$62,328$55,510$42,118
12 years$79,426$70,265$62,035$54,670$48,104$35,431
13 years$72,564$63,499$55,424$48,266$41,947$29,972
14 years$66,688$57,718$49,799$42,845$36,771$25,471
15 years$61,600$52,727$44,962$38,210$32,376$21,728
16 years$57,152$48,376$40,764$34,213$28,614$18,594
17 years$53,231$44,552$37,094$30,740$25,371$15,955
18 years$49,750$41,168$33,862$27,703$22,559$13,721
19 years$46,639$38,154$30,999$25,032$20,107$11,822
20 years$43,843$35,455$28,449$22,671$17,960$10,203
21 years$41,316$33,025$26,168$20,576$16,072$8,817
22 years$39,022$30,828$24,118$18,708$14,407$7,629
23 years$36,931$28,832$22,268$17,038$12,932$6,608
24 years$35,017$27,014$20,595$15,539$11,624$5,728
25 years$33,258$25,351$19,075$14,192$10,460$4,970
26 years$31,638$23,826$17,691$12,976$9,422$4,314
27 years$30,140$22,423$16,427$11,877$8,494$3,747
28 years$28,751$21,129$15,271$10,882$7,665$3,256
29 years$27,461$19,933$14,211$9,979$6,921$2,831
30 years$26,259$18,825$13,237$9,158$6,254$2,462
31 years$25,136$17,796$12,341$8,411$5,654$2,142
32 years$24,086$16,838$11,514$7,730$5,114$1,864
33 years$23,102$15,946$10,751$7,108$4,628$1,623
34 years$22,178$15,113$10,045$6,540$4,190$1,413
35 years$21,308$14,335$9,391$6,021$3,795$1,230
36 years$20,488$13,606$8,785$5,545$3,439$1,071
37 years$19,715$12,922$8,223$5,109$3,117$933
38 years$18,984$12,281$7,700$4,709$2,826$813
39 years$18,292$11,678$7,214$4,342$2,562$708
40 years$17,636$11,111$6,762$4,005$2,324$617
41 years$17,014$10,576$6,341$3,695$2,109$538
42 years$16,424$10,072$5,948$3,410$1,913$469
43 years$15,862$9,597$5,581$3,148$1,736$408
44 years$15,327$9,148$5,239$2,907$1,576$356
45 years$14,817$8,723$4,919$2,684$1,431$310
46 years$14,332$8,322$4,620$2,479$1,299$270
47 years$13,868$7,941$4,341$2,291$1,180$236
48 years$13,424$7,581$4,079$2,117$1,071$205
49 years$13,001$7,240$3,834$1,956$973$179
50 years$12,595$6,916$3,605$1,808$884$156

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $12,900,000, adding $2,174 every year, while hoping to spend $39,601 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: 35/37/28 Blend
51$12,900,000$12,900,000$12,900,000$12,900,000
52$14,218,042$13,534,342$13,334,392$14,595,548
53$15,626,148$14,155,390$13,738,959$15,499,580
54$17,176,552$14,805,542$14,155,752$16,470,610
55$18,883,729$15,486,182$14,585,138$17,517,587
56$20,763,626$16,198,761$15,027,497$18,647,336
57$22,833,815$16,944,800$15,483,218$19,867,336
58$25,113,662$17,725,892$15,952,703$21,185,793
59$27,624,502$18,543,708$16,436,365$22,611,704
60$30,389,850$19,399,998$16,934,632$24,154,940
61$33,435,614$20,296,598$17,447,942$25,826,334
62$36,790,345$21,235,429$17,976,746$27,637,775
63$40,485,504$22,218,509$18,521,511$29,602,316
64$44,555,760$23,247,950$19,082,715$31,734,286
65$49,039,314$24,325,967$19,660,853$34,049,423
66$53,978,265$25,454,881$20,256,433$36,565,012
67$59,419,003$26,637,125$20,869,979$39,300,043
68$65,412,648$27,875,250$21,502,029$42,275,377
69$72,015,531$29,171,930$22,153,140$45,513,941
70$79,289,727$30,529,967$22,823,883$49,040,931
71$87,303,643$31,952,299$23,514,847$52,884,042
72$96,132,659$33,442,006$24,226,638$57,073,718
73$105,859,842$35,002,316$24,959,882$61,643,433
74$116,576,730$36,636,614$25,715,222$66,629,993
75$128,384,195$38,348,446$26,493,320$72,073,873
76$141,393,395$40,141,532$27,294,859$78,019,587
77$155,726,825$42,019,770$28,120,540$84,516,098
78$171,519,470$43,987,249$28,971,088$91,617,267
79$188,920,084$46,048,252$29,847,247$99,382,346
80$208,092,588$48,207,271$30,749,785$107,876,525
81$229,217,620$50,469,016$31,679,491$117,171,533
82$252,494,243$52,838,423$32,637,180$127,346,301
83$278,141,819$55,320,669$33,623,688$138,487,687
84$306,402,082$57,921,179$34,639,879$150,691,284
85$337,541,420$60,645,643$35,686,642$164,062,305
86$371,853,391$63,500,025$36,764,890$178,716,553
87$409,661,489$66,490,579$37,875,565$194,781,501
88$451,322,203$69,623,859$39,019,639$212,397,471
89$497,228,380$72,906,741$40,198,109$231,718,943
90$547,812,933$76,346,430$41,412,005$252,915,985
91$603,552,930$79,950,482$42,662,384$276,175,841
92$664,974,093$83,726,820$43,950,338$301,704,675
93$732,655,766$87,683,749$45,276,990$329,729,487
94$807,236,380$91,829,979$46,643,495$360,500,235
95$889,419,483$96,174,641$48,051,045$394,292,168
96$979,980,381$100,727,308$49,500,865$431,408,390
97$1,079,773,453$105,498,020$50,994,217$472,182,699
98$1,189,740,223$110,497,301$52,532,402$516,982,701
99$1,310,918,245$115,736,188$54,116,756$566,213,253
100$1,444,450,898$121,226,253$55,748,659$620,320,245