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

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 $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%11.8%
1 years$1,073,528$1,063,965$1,054,636$1,045,530$1,036,638$1,028,812
2 years$531,449$521,552$511,959$502,659$493,637$485,747
3 years$350,780$340,840$331,272$322,058$313,184$305,474
4 years$260,463$250,553$241,081$232,025$223,365$215,895
5 years$206,287$196,437$187,089$178,217$169,799$162,590
6 years$170,182$160,405$151,195$142,522$134,356$127,418
7 years$144,402$134,708$125,644$117,175$109,267$102,603
8 years$125,077$115,470$106,556$98,295$90,648$84,258
9 years$110,053$100,537$91,777$83,726$76,339$70,221
10 years$98,042$88,619$80,013$72,172$65,044$59,195
11 years$88,220$78,892$70,442$62,812$55,940$50,356
12 years$80,042$70,809$62,516$55,094$48,477$43,152
13 years$73,127$63,991$55,854$48,640$42,273$37,202
14 years$67,205$58,166$50,185$43,177$37,056$32,233
15 years$62,077$53,136$45,310$38,506$32,627$28,045
16 years$57,595$48,751$41,080$34,478$28,836$24,488
17 years$53,644$44,898$37,381$30,978$25,568$21,447
18 years$50,136$41,488$34,124$27,918$22,734$18,832
19 years$47,001$38,450$31,239$25,226$20,263$16,573
20 years$44,183$35,730$28,670$22,847$18,099$14,613
21 years$41,637$33,281$26,371$20,735$16,197$12,907
22 years$39,325$31,067$24,305$18,853$14,518$11,416
23 years$37,217$29,056$22,441$17,170$13,032$10,111
24 years$35,288$27,224$20,754$15,660$11,714$8,965
25 years$33,516$25,548$19,223$14,302$10,541$7,957
26 years$31,883$24,011$17,828$13,077$9,495$7,068
27 years$30,373$22,597$16,555$11,969$8,560$6,284
28 years$28,974$21,293$15,390$10,966$7,724$5,590
29 years$27,674$20,088$14,322$10,056$6,975$4,976
30 years$26,462$18,971$13,340$9,229$6,302$4,431
31 years$25,331$17,934$12,436$8,476$5,698$3,948
32 years$24,273$16,969$11,603$7,790$5,154$3,520
33 years$23,281$16,070$10,834$7,164$4,664$3,139
34 years$22,349$15,230$10,123$6,591$4,223$2,800
35 years$21,473$14,446$9,464$6,067$3,825$2,498
36 years$20,647$13,711$8,853$5,588$3,466$2,230
37 years$19,868$13,022$8,287$5,149$3,141$1,990
38 years$19,131$12,376$7,760$4,746$2,848$1,777
39 years$18,434$11,768$7,270$4,376$2,582$1,587
40 years$17,773$11,197$6,815$4,036$2,342$1,418
41 years$17,146$10,658$6,390$3,724$2,125$1,267
42 years$16,551$10,150$5,994$3,436$1,928$1,132
43 years$15,985$9,671$5,624$3,172$1,750$1,011
44 years$15,446$9,219$5,280$2,929$1,588$904
45 years$14,932$8,791$4,957$2,705$1,442$808
46 years$14,443$8,386$4,656$2,499$1,309$722
47 years$13,975$8,003$4,374$2,309$1,189$645
48 years$13,528$7,640$4,111$2,133$1,080$577
49 years$13,101$7,296$3,864$1,971$981$516
50 years$12,693$6,969$3,632$1,822$891$461

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 $6,459 every year, while hoping to spend $24,952 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: 69/10/21 Blend
51$13,000,000$13,000,000$13,000,000$13,000,000
52$14,332,662$13,643,662$13,442,162$15,246,361
53$15,768,045$14,285,653$13,865,926$16,499,848
54$17,349,001$14,958,265$14,303,050$17,867,472
55$19,090,351$15,662,973$14,753,954$19,363,417
56$21,008,430$16,401,321$15,219,074$21,000,359
57$23,121,234$17,174,930$15,698,858$22,792,250
58$25,448,598$17,985,500$16,193,768$24,754,450
59$28,012,377$18,834,811$16,704,280$26,903,868
60$30,836,653$19,724,730$17,230,888$29,259,119
61$33,947,967$20,657,217$17,774,098$31,840,699
62$37,375,563$21,634,324$18,334,433$34,671,174
63$41,151,668$22,658,204$18,912,434$37,775,391
64$45,311,795$23,731,113$19,508,658$41,180,712
65$49,895,079$24,855,419$20,123,679$44,917,267
66$54,944,645$26,033,602$20,758,090$49,018,237
67$60,508,015$27,268,264$21,412,502$53,520,161
68$66,637,558$28,562,135$22,087,546$58,463,284
69$73,390,982$29,918,073$22,783,873$63,891,928
70$80,831,882$31,339,078$23,502,152$69,854,908
71$89,030,337$32,828,296$24,243,077$76,405,991
72$98,063,573$34,389,024$25,007,362$83,604,400
73$108,016,691$36,024,720$25,795,742$91,515,367
74$118,983,472$37,739,010$26,608,979$100,210,746
75$131,067,262$39,535,696$27,447,854$109,769,688
76$144,381,943$41,418,766$28,313,178$120,279,380
77$159,053,014$43,392,399$29,205,783$131,835,871
78$175,218,775$45,460,980$30,126,530$144,544,966
79$193,031,628$47,629,105$31,076,306$158,523,223
80$212,659,518$49,901,596$32,056,027$173,899,050
81$234,287,521$52,283,506$33,066,636$190,813,910
82$258,119,588$54,780,138$34,109,107$209,423,651
83$284,380,469$57,397,048$35,184,446$229,899,969
84$313,317,840$60,140,066$36,293,688$252,432,029
85$345,204,636$63,015,305$37,437,903$277,228,237
86$380,341,628$66,029,175$38,618,192$304,518,209
87$419,060,267$69,188,397$39,835,694$334,554,921
88$461,725,806$72,500,021$41,091,582$367,617,103
89$508,740,754$75,971,438$42,387,066$404,011,850
90$560,548,673$79,610,400$43,723,394$444,077,522
91$617,638,364$83,425,036$45,101,855$488,186,928
92$680,548,487$87,423,872$46,523,776$536,750,836
93$749,872,639$91,615,848$47,990,529$590,221,840
94$826,264,963$96,010,340$49,503,526$649,098,629
95$910,446,321$100,617,179$51,064,227$713,930,680
96$1,003,211,102$105,446,676$52,674,134$785,323,437
97$1,105,434,716$110,509,645$54,334,800$863,944,018
98$1,218,081,866$115,817,427$56,047,824$950,527,500
99$1,342,215,648$121,381,913$57,814,859$1,045,883,847
100$1,479,007,594$127,215,576$59,637,606$1,150,905,544