Can I retire at age 52 with 13,100,000?

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 $13,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,023,521
2 years$535,538$525,564$515,897$506,525$497,434$476,278
3 years$353,479$343,462$333,820$324,536$315,593$295,031
4 years$262,467$252,481$242,935$233,810$225,083$205,274
5 years$207,874$197,948$188,528$179,588$171,105$152,105
6 years$171,491$161,639$152,358$143,618$135,389$117,219
7 years$145,513$135,744$126,611$118,076$110,108$92,772
8 years$126,039$116,358$107,376$99,051$91,345$74,838
9 years$110,900$101,311$92,483$84,370$76,926$61,236
10 years$98,796$89,300$80,629$72,728$65,545$50,657
11 years$88,899$79,499$70,984$63,295$56,371$42,267
12 years$80,658$71,354$62,997$55,518$48,850$35,510
13 years$73,689$64,483$56,283$49,014$42,598$29,999
14 years$67,722$58,613$50,571$43,509$37,341$25,460
15 years$62,555$53,544$45,659$38,803$32,878$21,689
16 years$58,038$49,126$41,396$34,744$29,058$18,534
17 years$54,057$45,243$37,669$31,217$25,764$15,880
18 years$50,522$41,807$34,387$28,133$22,909$13,637
19 years$47,362$38,746$31,480$25,420$20,419$11,733
20 years$44,523$36,005$28,890$23,023$18,239$10,110
21 years$41,957$33,537$26,574$20,895$16,321$8,724
22 years$39,627$31,305$24,492$18,998$14,630$7,537
23 years$37,503$29,279$22,614$17,302$13,133$6,518
24 years$35,559$27,433$20,914$15,780$11,804$5,641
25 years$33,774$25,744$19,370$14,412$10,622$4,886
26 years$32,128$24,196$17,965$13,177$9,568$4,235
27 years$30,607$22,771$16,682$12,061$8,626$3,673
28 years$29,197$21,457$15,508$11,051$7,783$3,186
29 years$27,887$20,242$14,432$10,134$7,028$2,766
30 years$26,666$19,117$13,443$9,300$6,350$2,401
31 years$25,526$18,071$12,532$8,542$5,741$2,086
32 years$24,460$17,099$11,693$7,850$5,194$1,812
33 years$23,460$16,193$10,918$7,219$4,700$1,575
34 years$22,521$15,348$10,201$6,642$4,255$1,369
35 years$21,638$14,557$9,537$6,114$3,854$1,190
36 years$20,806$13,817$8,922$5,631$3,492$1,034
37 years$20,020$13,123$8,350$5,188$3,165$899
38 years$19,278$12,471$7,820$4,782$2,869$782
39 years$18,575$11,859$7,326$4,409$2,602$680
40 years$17,910$11,283$6,867$4,067$2,360$592
41 years$17,278$10,740$6,439$3,752$2,141$515
42 years$16,678$10,229$6,040$3,463$1,943$448
43 years$16,108$9,746$5,668$3,197$1,763$390
44 years$15,565$9,290$5,320$2,952$1,601$339
45 years$15,047$8,859$4,995$2,726$1,453$295
46 years$14,554$8,451$4,692$2,518$1,319$257
47 years$14,083$8,065$4,408$2,326$1,198$223
48 years$13,632$7,699$4,142$2,150$1,088$194
49 years$13,202$7,352$3,893$1,987$988$169
50 years$12,790$7,023$3,660$1,836$898$147

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $13,100,000, adding $6,447 every year, while hoping to spend $20,420 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: 65/10/25 Blend
51$13,100,000$13,100,000$13,100,000$13,100,000
52$14,442,850$13,748,550$13,545,500$15,286,926
53$15,894,294$14,400,502$13,977,548$16,508,873
54$17,493,101$15,083,716$14,423,384$17,841,015
55$19,254,280$15,799,701$14,883,451$19,296,581
56$21,194,372$16,550,041$15,358,201$20,887,700
57$23,331,601$17,336,397$15,848,104$22,627,725
58$25,686,053$18,160,509$16,353,645$24,531,349
59$28,279,860$19,024,203$16,875,321$26,614,747
60$31,137,411$19,929,395$17,413,650$28,895,721
61$34,285,582$20,878,090$17,969,162$31,393,872
62$37,753,989$21,872,394$18,542,407$34,130,777
63$41,575,269$22,914,515$19,133,951$37,130,190
64$45,785,387$24,006,766$19,744,378$40,418,268
65$50,423,973$25,151,574$20,374,292$44,023,808
66$55,534,703$26,351,486$21,024,315$47,978,523
67$61,165,702$27,609,168$21,695,089$52,317,332
68$67,370,008$28,927,421$22,387,278$57,078,689
69$74,206,062$30,309,178$23,101,566$62,304,942
70$81,738,270$31,757,518$23,838,658$68,042,729
71$90,037,603$33,275,666$24,599,283$74,343,414
72$99,182,273$34,867,008$25,384,193$81,263,569
73$109,258,465$36,535,091$26,194,163$88,865,501
74$120,361,156$38,283,638$27,029,995$97,217,841
75$132,595,009$40,116,552$27,892,515$106,396,180
76$146,075,361$42,037,924$28,782,575$116,483,785
77$160,929,312$44,052,046$29,701,056$127,572,375
78$177,296,925$46,163,420$30,648,865$139,762,985
79$195,332,549$48,376,765$31,626,939$153,166,910
80$215,206,274$50,697,031$32,636,247$167,906,757
81$237,105,537$53,129,409$33,677,784$184,117,589
82$261,236,894$55,679,343$34,752,583$201,948,199
83$287,827,968$58,352,541$35,861,704$221,562,507
84$317,129,596$61,154,990$37,006,246$243,141,098
85$349,418,199$64,092,970$38,187,340$266,882,927
86$384,998,394$67,173,064$39,406,155$293,007,180
87$424,205,864$70,402,178$40,663,895$321,755,346
88$467,410,532$73,787,554$41,961,805$353,393,479
89$515,020,049$77,336,787$43,301,168$388,214,710
90$567,483,647$81,057,842$44,683,310$426,542,001
91$625,296,375$84,959,073$46,109,598$468,731,186
92$689,003,778$89,049,241$47,581,442$515,174,322
93$759,207,042$93,337,532$49,100,299$566,303,379
94$836,568,673$97,833,583$50,667,671$622,594,309
95$921,818,749$102,547,500$52,285,110$684,571,528
96$1,015,761,815$107,489,882$53,954,215$752,812,858
97$1,119,284,477$112,671,843$55,676,638$827,954,966
98$1,233,363,771$118,105,041$57,454,083$910,699,367
99$1,359,076,391$123,801,702$59,288,309$1,001,819,034
100$1,497,608,847$129,774,650$61,181,131$1,102,165,680