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

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 $13,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,026,462
2 years$535,538$525,564$515,897$506,525$497,434$479,207
3 years$353,479$343,462$333,820$324,536$315,593$297,856
4 years$262,467$252,481$242,935$233,810$225,083$207,975
5 years$207,874$197,948$188,528$179,588$171,105$154,672
6 years$171,491$161,639$152,358$143,618$135,389$119,652
7 years$145,513$135,744$126,611$118,076$110,108$95,070
8 years$126,039$116,358$107,376$99,051$91,345$77,004
9 years$110,900$101,311$92,483$84,370$76,926$63,272
10 years$98,796$89,300$80,629$72,728$65,545$52,567
11 years$88,899$79,499$70,984$63,295$56,371$44,055
12 years$80,658$71,354$62,997$55,518$48,850$37,180
13 years$73,689$64,483$56,283$49,014$42,598$31,556
14 years$67,722$58,613$50,571$43,509$37,341$26,908
15 years$62,555$53,544$45,659$38,803$32,878$23,033
16 years$58,038$49,126$41,396$34,744$29,058$19,781
17 years$54,057$45,243$37,669$31,217$25,764$17,034
18 years$50,522$41,807$34,387$28,133$22,909$14,702
19 years$47,362$38,746$31,480$25,420$20,419$12,714
20 years$44,523$36,005$28,890$23,023$18,239$11,014
21 years$41,957$33,537$26,574$20,895$16,321$9,555
22 years$39,627$31,305$24,492$18,998$14,630$8,299
23 years$37,503$29,279$22,614$17,302$13,133$7,216
24 years$35,559$27,433$20,914$15,780$11,804$6,280
25 years$33,774$25,744$19,370$14,412$10,622$5,470
26 years$32,128$24,196$17,965$13,177$9,568$4,767
27 years$30,607$22,771$16,682$12,061$8,626$4,158
28 years$29,197$21,457$15,508$11,051$7,783$3,628
29 years$27,887$20,242$14,432$10,134$7,028$3,167
30 years$26,666$19,117$13,443$9,300$6,350$2,766
31 years$25,526$18,071$12,532$8,542$5,741$2,416
32 years$24,460$17,099$11,693$7,850$5,194$2,111
33 years$23,460$16,193$10,918$7,219$4,700$1,846
34 years$22,521$15,348$10,201$6,642$4,255$1,613
35 years$21,638$14,557$9,537$6,114$3,854$1,411
36 years$20,806$13,817$8,922$5,631$3,492$1,234
37 years$20,020$13,123$8,350$5,188$3,165$1,079
38 years$19,278$12,471$7,820$4,782$2,869$944
39 years$18,575$11,859$7,326$4,409$2,602$826
40 years$17,910$11,283$6,867$4,067$2,360$723
41 years$17,278$10,740$6,439$3,752$2,141$633
42 years$16,678$10,229$6,040$3,463$1,943$554
43 years$16,108$9,746$5,668$3,197$1,763$485
44 years$15,565$9,290$5,320$2,952$1,601$424
45 years$15,047$8,859$4,995$2,726$1,453$371
46 years$14,554$8,451$4,692$2,518$1,319$325
47 years$14,083$8,065$4,408$2,326$1,198$285
48 years$13,632$7,699$4,142$2,150$1,088$249
49 years$13,202$7,352$3,893$1,987$988$218
50 years$12,790$7,023$3,660$1,836$898$191

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 $3,485 every year, while hoping to spend $46,192 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: 45/38/17 Blend
51$13,100,000$13,100,000$13,100,000$13,100,000
52$14,439,795$13,745,495$13,542,445$15,019,011
53$15,863,506$14,369,876$13,946,969$16,048,696
54$17,430,887$15,023,304$14,363,496$17,159,721
55$19,156,545$15,707,153$14,792,380$18,363,535
56$21,056,572$16,422,863$15,233,985$19,668,758
57$23,148,703$17,171,944$15,688,684$21,084,852
58$25,452,479$17,955,977$16,156,863$22,622,206
59$27,989,432$18,776,620$16,638,918$24,292,227
60$30,783,289$19,635,610$17,135,257$26,107,447
61$33,860,197$20,534,767$17,646,300$28,081,630
62$37,248,965$21,475,998$18,172,479$30,229,899
63$40,981,340$22,461,303$18,714,238$32,568,875
64$45,092,307$23,492,777$19,272,035$35,116,820
65$49,620,414$24,572,615$19,846,340$37,893,809
66$54,608,143$25,703,119$20,437,639$40,921,911
67$60,102,302$26,886,702$21,046,429$44,225,388
68$66,154,477$28,125,889$21,673,223$47,830,919
69$72,821,507$29,423,332$22,318,551$51,767,840
70$80,166,032$30,781,806$22,982,953$56,068,416
71$88,257,076$32,204,223$23,666,990$60,768,134
72$97,170,700$33,693,633$24,371,237$65,906,032
73$106,990,724$35,253,233$25,096,286$71,525,052
74$117,809,510$36,886,374$25,842,744$77,672,443
75$129,728,844$38,596,570$26,611,240$84,400,188
76$142,860,887$40,387,503$27,402,417$91,765,491
77$157,329,239$42,263,032$28,216,939$99,831,299
78$173,270,104$44,227,203$29,055,489$108,666,889
79$190,833,575$46,284,257$29,918,769$118,348,508
80$210,185,053$48,438,638$30,807,501$128,960,074
81$231,506,805$50,695,008$31,722,429$140,593,965
82$254,999,686$53,058,251$32,664,318$153,351,865
83$280,885,036$55,533,487$33,633,954$167,345,715
84$309,406,766$58,126,084$34,632,147$182,698,755
85$340,833,663$60,841,669$35,659,731$199,546,666
86$375,461,927$63,686,141$36,717,563$218,038,834
87$413,617,965$66,665,684$37,806,523$238,339,747
88$455,661,476$69,786,781$38,927,520$260,630,521
89$501,988,841$73,056,227$40,081,486$285,110,596
90$553,036,868$76,481,148$41,269,381$311,999,594
91$609,286,917$80,069,013$42,492,194$341,539,372
92$671,269,440$83,827,652$43,750,940$373,996,283
93$739,568,992$87,765,275$45,046,665$409,663,662
94$814,829,744$91,890,489$46,380,444$448,864,576
95$897,761,572$96,212,317$47,753,382$491,954,843
96$989,146,751$100,740,219$49,166,619$539,326,364
97$1,089,847,343$105,484,113$50,621,325$591,410,796
98$1,200,813,336$110,454,399$52,118,703$648,683,595
99$1,323,091,609$115,661,978$53,659,993$711,668,471
100$1,457,835,819$121,118,280$55,246,468$780,942,305