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%17.6%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,012,390
2 years$535,538$525,564$515,897$506,525$497,434$465,253
3 years$353,479$343,462$333,820$324,536$315,593$284,461
4 years$262,467$252,481$242,935$233,810$225,083$195,240
5 years$207,874$197,948$188,528$179,588$171,105$142,631
6 years$171,491$161,639$152,358$143,618$135,389$108,309
7 years$145,513$135,744$126,611$118,076$110,108$84,420
8 years$126,039$116,358$107,376$99,051$91,345$67,032
9 years$110,900$101,311$92,483$84,370$76,926$53,962
10 years$98,796$89,300$80,629$72,728$65,545$43,897
11 years$88,899$79,499$70,984$63,295$56,371$36,000
12 years$80,658$71,354$62,997$55,518$48,850$29,714
13 years$73,689$64,483$56,283$49,014$42,598$24,651
14 years$67,722$58,613$50,571$43,509$37,341$20,537
15 years$62,555$53,544$45,659$38,803$32,878$17,167
16 years$58,038$49,126$41,396$34,744$29,058$14,390
17 years$54,057$45,243$37,669$31,217$25,764$12,091
18 years$50,522$41,807$34,387$28,133$22,909$10,178
19 years$47,362$38,746$31,480$25,420$20,419$8,581
20 years$44,523$36,005$28,890$23,023$18,239$7,245
21 years$41,957$33,537$26,574$20,895$16,321$6,123
22 years$39,627$31,305$24,492$18,998$14,630$5,180
23 years$37,503$29,279$22,614$17,302$13,133$4,386
24 years$35,559$27,433$20,914$15,780$11,804$3,716
25 years$33,774$25,744$19,370$14,412$10,622$3,150
26 years$32,128$24,196$17,965$13,177$9,568$2,671
27 years$30,607$22,771$16,682$12,061$8,626$2,266
28 years$29,197$21,457$15,508$11,051$7,783$1,924
29 years$27,887$20,242$14,432$10,134$7,028$1,633
30 years$26,666$19,117$13,443$9,300$6,350$1,387
31 years$25,526$18,071$12,532$8,542$5,741$1,178
32 years$24,460$17,099$11,693$7,850$5,194$1,001
33 years$23,460$16,193$10,918$7,219$4,700$850
34 years$22,521$15,348$10,201$6,642$4,255$722
35 years$21,638$14,557$9,537$6,114$3,854$614
36 years$20,806$13,817$8,922$5,631$3,492$522
37 years$20,020$13,123$8,350$5,188$3,165$443
38 years$19,278$12,471$7,820$4,782$2,869$377
39 years$18,575$11,859$7,326$4,409$2,602$320
40 years$17,910$11,283$6,867$4,067$2,360$272
41 years$17,278$10,740$6,439$3,752$2,141$232
42 years$16,678$10,229$6,040$3,463$1,943$197
43 years$16,108$9,746$5,668$3,197$1,763$167
44 years$15,565$9,290$5,320$2,952$1,601$142
45 years$15,047$8,859$4,995$2,726$1,453$121
46 years$14,554$8,451$4,692$2,518$1,319$103
47 years$14,083$8,065$4,408$2,326$1,198$87
48 years$13,632$7,699$4,142$2,150$1,088$74
49 years$13,202$7,352$3,893$1,987$988$63
50 years$12,790$7,023$3,660$1,836$898$54

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 $5,902 every year, while hoping to spend $37,800 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: 24/49/27 Blend
51$13,100,000$13,100,000$13,100,000$13,100,000
52$14,442,288$13,747,988$13,544,938$14,665,597
53$15,875,182$14,381,420$13,958,474$15,488,219
54$17,452,965$15,044,624$14,384,598$16,365,384
55$19,190,375$15,739,018$14,823,689$17,304,421
56$21,103,653$16,466,090$15,276,142$18,310,499
57$23,210,694$17,227,397$15,742,362$19,389,266
58$25,531,220$18,024,574$16,222,766$20,546,892
59$28,086,960$18,859,334$16,717,784$21,790,126
60$30,901,859$19,733,470$17,227,859$23,126,348
61$34,002,304$20,648,866$17,753,447$24,563,629
62$37,417,370$21,607,492$18,295,019$26,110,806
63$41,179,099$22,611,416$18,853,059$27,777,549
64$45,322,796$23,662,804$19,428,066$29,574,451
65$49,887,369$24,763,929$20,020,554$31,513,111
66$54,915,690$25,917,171$20,631,051$33,606,241
67$60,455,003$27,125,025$21,260,105$35,867,772
68$66,557,371$28,390,109$21,908,276$38,312,973
69$73,280,163$29,715,164$22,576,143$40,958,590
70$80,686,599$31,103,067$23,264,303$43,822,987
71$88,846,345$32,556,830$23,973,370$46,926,310
72$97,836,170$34,079,613$24,703,976$50,290,665
73$107,740,675$35,674,729$25,456,775$53,940,309
74$118,653,083$37,345,650$26,232,436$57,901,873
75$130,676,126$39,096,016$27,031,652$62,204,590
76$143,923,014$40,929,643$27,855,135$66,880,563
77$158,518,499$42,850,533$28,703,619$71,965,048
78$174,600,056$44,862,880$29,577,861$77,496,770
79$192,319,182$46,971,081$30,478,639$83,518,277
80$211,842,820$49,179,746$31,406,755$90,076,314
81$233,354,943$51,493,708$32,363,037$97,222,254
82$257,058,283$53,918,036$33,348,334$105,012,559
83$283,176,250$56,458,042$34,363,526$113,509,290
84$311,955,037$59,119,295$35,409,513$122,780,677
85$343,665,947$61,907,637$36,487,228$132,901,735
86$378,607,952$64,829,189$37,597,628$143,954,952
87$417,110,515$67,890,372$38,741,701$156,031,039
88$459,536,704$71,097,916$39,920,464$169,229,765
89$506,286,612$74,458,879$41,134,965$183,660,865
90$557,801,142$77,980,660$42,386,282$199,445,055
91$614,566,163$81,671,016$43,675,526$216,715,135
92$677,117,099$85,538,083$45,003,844$235,617,215
93$746,043,984$89,590,390$46,372,414$256,312,060
94$821,997,031$93,836,880$47,782,450$278,976,576
95$905,692,771$98,286,929$49,235,204$303,805,439
96$997,920,815$102,950,370$50,731,965$331,012,899
97$1,099,551,312$107,837,512$52,274,060$360,834,763
98$1,211,543,161$112,959,166$53,862,856$393,530,579
99$1,334,953,063$118,326,665$55,499,761$429,386,043
100$1,470,945,499$123,951,895$57,186,227$468,715,651