Can I retire at age 52 with 13,000,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $13,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$1,073,528$1,063,965$1,054,636$1,045,530$1,036,638$1,031,403
2 years$531,449$521,552$511,959$502,659$493,637$488,354
3 years$350,780$340,840$331,272$322,058$313,184$308,015
4 years$260,463$250,553$241,081$232,025$223,365$218,352
5 years$206,287$196,437$187,089$178,217$169,799$164,955
6 years$170,182$160,405$151,195$142,522$134,356$129,689
7 years$144,402$134,708$125,644$117,175$109,267$104,779
8 years$125,077$115,470$106,556$98,295$90,648$86,338
9 years$110,053$100,537$91,777$83,726$76,339$72,206
10 years$98,042$88,619$80,013$72,172$65,044$61,088
11 years$88,220$78,892$70,442$62,812$55,940$52,157
12 years$80,042$70,809$62,516$55,094$48,477$44,864
13 years$73,127$63,991$55,854$48,640$42,273$38,826
14 years$67,205$58,166$50,185$43,177$37,056$33,772
15 years$62,077$53,136$45,310$38,506$32,627$29,502
16 years$57,595$48,751$41,080$34,478$28,836$25,865
17 years$53,644$44,898$37,381$30,978$25,568$22,747
18 years$50,136$41,488$34,124$27,918$22,734$20,058
19 years$47,001$38,450$31,239$25,226$20,263$17,728
20 years$44,183$35,730$28,670$22,847$18,099$15,700
21 years$41,637$33,281$26,371$20,735$16,197$13,928
22 years$39,325$31,067$24,305$18,853$14,518$12,375
23 years$37,217$29,056$22,441$17,170$13,032$11,010
24 years$35,288$27,224$20,754$15,660$11,714$9,807
25 years$33,516$25,548$19,223$14,302$10,541$8,744
26 years$31,883$24,011$17,828$13,077$9,495$7,804
27 years$30,373$22,597$16,555$11,969$8,560$6,970
28 years$28,974$21,293$15,390$10,966$7,724$6,231
29 years$27,674$20,088$14,322$10,056$6,975$5,573
30 years$26,462$18,971$13,340$9,229$6,302$4,987
31 years$25,331$17,934$12,436$8,476$5,698$4,465
32 years$24,273$16,969$11,603$7,790$5,154$4,000
33 years$23,281$16,070$10,834$7,164$4,664$3,585
34 years$22,349$15,230$10,123$6,591$4,223$3,214
35 years$21,473$14,446$9,464$6,067$3,825$2,882
36 years$20,647$13,711$8,853$5,588$3,466$2,585
37 years$19,868$13,022$8,287$5,149$3,141$2,320
38 years$19,131$12,376$7,760$4,746$2,848$2,082
39 years$18,434$11,768$7,270$4,376$2,582$1,869
40 years$17,773$11,197$6,815$4,036$2,342$1,678
41 years$17,146$10,658$6,390$3,724$2,125$1,507
42 years$16,551$10,150$5,994$3,436$1,928$1,353
43 years$15,985$9,671$5,624$3,172$1,750$1,215
44 years$15,446$9,219$5,280$2,929$1,588$1,092
45 years$14,932$8,791$4,957$2,705$1,442$981
46 years$14,443$8,386$4,656$2,499$1,309$881
47 years$13,975$8,003$4,374$2,309$1,189$792
48 years$13,528$7,640$4,111$2,133$1,080$712
49 years$13,101$7,296$3,864$1,971$981$640
50 years$12,693$6,969$3,632$1,822$891$575

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $13,000,000, adding $2,809 every year, while hoping to spend $49,290 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: 82/9/9 Blend
51$13,000,000$13,000,000$13,000,000$13,000,000
52$14,328,897$13,639,897$13,438,397$15,485,616
53$15,738,001$14,255,808$13,836,140$16,859,122
54$17,289,181$14,900,247$14,245,554$18,359,904
55$18,996,877$15,574,559$14,666,980$20,006,063
56$20,877,001$16,280,154$15,100,766$21,812,141
57$22,947,084$17,018,511$15,547,271$23,794,156
58$25,226,445$17,791,177$16,006,863$25,969,745
59$27,736,372$18,599,774$16,479,923$28,358,333
60$30,500,322$19,446,003$16,966,840$30,981,312
61$33,544,142$20,331,644$17,468,016$33,862,247
62$36,896,315$21,258,565$17,983,865$37,027,090
63$40,588,225$22,228,721$18,514,811$40,504,425
64$44,654,458$23,244,162$19,061,291$44,325,739
65$49,133,122$24,307,035$19,623,754$48,525,714
66$54,066,214$25,419,593$20,202,662$53,142,555
67$59,500,008$26,584,194$20,798,492$58,218,346
68$65,485,500$27,803,310$21,411,732$63,799,445
69$72,078,881$29,079,532$22,042,885$69,936,922
70$79,342,073$30,415,576$22,692,469$76,687,037
71$87,343,312$31,814,287$23,361,014$84,111,768
72$96,157,791$33,278,648$24,049,069$92,279,396
73$105,868,368$34,811,784$24,757,195$101,265,143
74$116,566,352$36,416,972$25,485,972$111,151,883
75$128,352,362$38,097,646$26,235,994$122,030,917
76$141,337,277$39,857,405$27,007,874$134,002,839
77$155,643,282$41,700,020$27,802,240$147,178,473
78$171,405,022$43,629,446$28,619,741$161,679,925
79$188,770,872$45,649,827$29,461,040$177,641,727
80$207,904,339$47,765,507$30,326,823$195,212,102
81$228,985,603$49,981,038$31,217,793$214,554,364
82$252,213,219$52,301,193$32,134,673$235,848,455
83$277,805,991$54,730,975$33,078,208$259,292,636
84$306,005,037$57,275,628$34,049,163$285,105,358
85$337,076,066$59,940,648$35,048,325$313,527,317
86$371,311,882$62,731,797$36,076,501$344,823,724
87$409,035,154$65,655,115$37,134,524$379,286,803
88$450,601,458$68,716,934$38,223,249$417,238,543
89$496,402,633$71,923,891$39,343,554$459,033,737
90$546,870,483$75,282,943$40,496,345$505,063,319
91$602,480,850$78,801,384$41,682,550$555,758,056
92$663,758,105$82,486,861$42,903,124$611,592,601
93$731,280,103$86,347,388$44,159,050$673,089,976
94$805,683,633$90,391,370$45,451,337$740,826,496
95$887,670,431$94,627,615$46,781,025$815,437,208
96$978,013,806$99,065,358$48,149,179$897,621,874
97$1,077,565,935$103,714,282$49,556,898$988,151,576
98$1,187,265,916$108,584,537$51,005,310$1,087,875,980
99$1,308,148,625$113,686,765$52,495,573$1,197,731,356
100$1,441,354,489$119,032,121$54,028,880$1,318,749,406