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%18.8%
1 years$1,073,528$1,063,965$1,054,636$1,045,530$1,036,638$999,857
2 years$531,449$521,552$511,959$502,659$493,637$456,973
3 years$350,780$340,840$331,272$322,058$313,184$277,789
4 years$260,463$250,553$241,081$232,025$223,365$189,510
5 years$206,287$196,437$187,089$178,217$169,799$137,571
6 years$170,182$160,405$151,195$142,522$134,356$103,781
7 years$144,402$134,708$125,644$117,175$109,267$80,339
8 years$125,077$115,470$106,556$98,295$90,648$63,341
9 years$110,053$100,537$91,777$83,726$76,339$50,618
10 years$98,042$88,619$80,013$72,172$65,044$40,866
11 years$88,220$78,892$70,442$62,812$55,940$33,255
12 years$80,042$70,809$62,516$55,094$48,477$27,230
13 years$73,127$63,991$55,854$48,640$42,273$22,407
14 years$67,205$58,166$50,185$43,177$37,056$18,512
15 years$62,077$53,136$45,310$38,506$32,627$15,344
16 years$57,595$48,751$41,080$34,478$28,836$12,751
17 years$53,644$44,898$37,381$30,978$25,568$10,619
18 years$50,136$41,488$34,124$27,918$22,734$8,859
19 years$47,001$38,450$31,239$25,226$20,263$7,402
20 years$44,183$35,730$28,670$22,847$18,099$6,192
21 years$41,637$33,281$26,371$20,735$16,197$5,185
22 years$39,325$31,067$24,305$18,853$14,518$4,346
23 years$37,217$29,056$22,441$17,170$13,032$3,645
24 years$35,288$27,224$20,754$15,660$11,714$3,059
25 years$33,516$25,548$19,223$14,302$10,541$2,568
26 years$31,883$24,011$17,828$13,077$9,495$2,157
27 years$30,373$22,597$16,555$11,969$8,560$1,812
28 years$28,974$21,293$15,390$10,966$7,724$1,523
29 years$27,674$20,088$14,322$10,056$6,975$1,280
30 years$26,462$18,971$13,340$9,229$6,302$1,077
31 years$25,331$17,934$12,436$8,476$5,698$905
32 years$24,273$16,969$11,603$7,790$5,154$762
33 years$23,281$16,070$10,834$7,164$4,664$641
34 years$22,349$15,230$10,123$6,591$4,223$539
35 years$21,473$14,446$9,464$6,067$3,825$453
36 years$20,647$13,711$8,853$5,588$3,466$382
37 years$19,868$13,022$8,287$5,149$3,141$321
38 years$19,131$12,376$7,760$4,746$2,848$270
39 years$18,434$11,768$7,270$4,376$2,582$227
40 years$17,773$11,197$6,815$4,036$2,342$191
41 years$17,146$10,658$6,390$3,724$2,125$161
42 years$16,551$10,150$5,994$3,436$1,928$136
43 years$15,985$9,671$5,624$3,172$1,750$114
44 years$15,446$9,219$5,280$2,929$1,588$96
45 years$14,932$8,791$4,957$2,705$1,442$81
46 years$14,443$8,386$4,656$2,499$1,309$68
47 years$13,975$8,003$4,374$2,309$1,189$57
48 years$13,528$7,640$4,111$2,133$1,080$48
49 years$13,101$7,296$3,864$1,971$981$41
50 years$12,693$6,969$3,632$1,822$891$34

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 $5,072 every year, while hoping to spend $40,756 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: 33/48/19 Blend
51$13,000,000$13,000,000$13,000,000$13,000,000
52$14,331,232$13,642,232$13,440,732$14,719,789
53$15,749,653$14,267,337$13,847,632$15,633,354
54$17,311,388$14,921,707$14,266,798$16,613,179
55$19,031,010$15,606,731$14,698,597$17,668,340
56$20,924,581$16,323,869$15,143,407$18,805,487
57$23,009,797$17,074,647$15,601,620$20,031,900
58$25,306,158$17,860,666$16,073,636$21,355,557
59$27,835,153$18,683,606$16,559,870$22,785,199
60$30,620,460$19,545,224$17,060,747$24,330,405
61$33,688,172$20,447,365$17,576,706$26,001,679
62$37,067,039$21,391,959$18,108,200$27,810,538
63$40,788,745$22,381,033$18,655,693$29,769,616
64$44,888,203$23,416,709$19,219,664$31,892,770
65$49,403,883$24,501,212$19,800,607$34,195,211
66$54,378,182$25,636,874$20,399,029$36,693,627
67$59,857,814$26,826,138$21,015,454$39,406,343
68$65,894,260$28,071,568$21,650,421$42,353,476
69$72,544,249$29,375,849$22,304,485$45,557,115
70$79,870,293$30,741,796$22,978,215$49,041,526
71$87,941,279$32,172,361$23,672,202$52,833,360
72$96,833,119$33,670,635$24,387,050$56,961,901
73$106,629,463$35,239,863$25,123,382$61,459,323
74$117,422,495$36,883,443$25,881,842$66,360,989
75$129,313,797$38,604,939$26,663,091$71,705,764
76$142,415,308$40,408,085$27,467,809$77,536,370
77$156,850,386$42,296,798$28,296,697$83,899,777
78$172,754,967$44,275,182$29,150,478$90,847,628
79$190,278,849$46,347,541$30,029,894$98,436,712
80$209,587,107$48,518,387$30,935,711$106,729,482
81$230,861,652$50,792,447$31,868,717$115,794,629
82$254,302,945$53,174,682$32,829,724$125,707,707
83$280,131,893$55,670,289$33,819,567$136,551,834
84$308,591,929$58,284,716$34,839,106$148,418,449
85$339,951,317$61,023,678$35,889,227$161,408,160
86$374,505,677$63,893,164$36,970,842$175,631,668
87$412,580,780$66,899,454$38,084,889$191,210,789
88$454,535,623$70,049,131$39,232,337$208,279,580
89$500,765,816$73,349,097$40,414,179$226,985,580
90$551,707,316$76,806,590$41,631,441$247,491,176
91$607,840,546$80,429,197$42,885,178$269,975,105
92$669,694,927$84,224,872$44,176,477$294,634,115
93$737,853,876$88,201,957$45,506,455$321,684,793
94$812,960,315$92,369,196$46,876,264$351,365,571
95$895,722,739$96,735,759$48,287,091$383,938,952
96$986,921,904$101,311,257$49,740,155$419,693,946
97$1,087,418,202$106,105,772$51,236,713$458,948,765
98$1,198,159,775$111,129,871$52,778,060$502,053,786
99$1,320,191,473$116,394,636$54,365,526$549,394,821
100$1,454,664,716$121,911,686$56,000,483$601,396,715