Can I retire at age 52 with 13,200,000?

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 $13,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$1,090,044$1,080,334$1,070,861$1,061,615$1,052,587$1,030,492
2 years$539,626$529,576$519,835$510,392$501,232$479,076
3 years$356,177$346,083$336,368$327,013$318,002$296,476
4 years$264,470$254,408$244,790$235,594$226,802$206,072
5 years$209,461$199,459$189,967$180,959$172,411$152,536
6 years$172,800$162,873$153,521$144,714$136,423$117,423
7 years$146,624$136,781$127,577$118,978$110,948$92,829
8 years$127,001$117,246$108,195$99,807$92,042$74,797
9 years$111,746$102,084$93,189$85,014$77,513$61,129
10 years$99,550$89,982$81,244$73,283$66,045$50,507
11 years$89,578$80,106$71,526$63,778$56,801$42,088
12 years$81,273$71,899$63,477$55,942$49,222$35,314
13 years$74,252$64,975$56,713$49,388$42,923$29,794
14 years$68,239$59,061$50,957$43,841$37,626$25,251
15 years$63,032$53,953$46,007$39,099$33,129$21,481
16 years$58,481$49,501$41,712$35,009$29,279$18,331
17 years$54,469$45,589$37,956$31,455$25,961$15,684
18 years$50,907$42,126$34,649$28,347$23,083$13,448
19 years$47,724$39,042$31,720$25,614$20,575$11,553
20 years$44,863$36,280$29,111$23,199$18,378$9,941
21 years$42,277$33,793$26,776$21,054$16,446$8,565
22 years$39,930$31,544$24,679$19,143$14,742$7,388
23 years$37,790$29,503$22,786$17,434$13,233$6,379
24 years$35,831$27,642$21,073$15,901$11,894$5,512
25 years$34,032$25,941$19,518$14,522$10,703$4,767
26 years$32,373$24,380$18,102$13,278$9,641$4,125
27 years$30,841$22,945$16,809$12,153$8,692$3,571
28 years$29,420$21,621$15,627$11,135$7,843$3,094
29 years$28,100$20,397$14,542$10,211$7,082$2,681
30 years$26,869$19,262$13,545$9,371$6,399$2,324
31 years$25,721$18,209$12,628$8,607$5,785$2,015
32 years$24,647$17,230$11,782$7,910$5,233$1,748
33 years$23,639$16,317$11,001$7,274$4,736$1,516
34 years$22,693$15,465$10,279$6,693$4,288$1,316
35 years$21,803$14,668$9,610$6,161$3,884$1,142
36 years$20,965$13,922$8,990$5,674$3,519$991
37 years$20,173$13,223$8,414$5,228$3,189$860
38 years$19,425$12,566$7,880$4,819$2,891$747
39 years$18,717$11,949$7,382$4,443$2,622$648
40 years$18,046$11,369$6,919$4,098$2,378$563
41 years$17,410$10,822$6,488$3,781$2,158$489
42 years$16,806$10,307$6,086$3,489$1,958$425
43 years$16,231$9,820$5,711$3,221$1,777$369
44 years$15,683$9,361$5,361$2,974$1,613$320
45 years$15,162$8,926$5,034$2,747$1,464$278
46 years$14,665$8,515$4,728$2,537$1,329$242
47 years$14,190$8,126$4,442$2,344$1,207$210
48 years$13,737$7,757$4,174$2,166$1,096$182
49 years$13,303$7,408$3,923$2,002$996$158
50 years$12,888$7,076$3,688$1,850$904$138

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $13,200,000, adding $5,220 every year, while hoping to spend $37,334 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: 45/27/28 Blend
51$13,200,000$13,200,000$13,200,000$13,200,000
52$14,551,784$13,852,184$13,647,584$15,088,553
53$15,996,343$14,491,218$14,065,055$16,109,802
54$17,586,996$15,160,314$14,495,260$17,212,693
55$19,338,605$15,860,904$14,938,587$18,408,122
56$21,267,546$16,594,492$15,395,433$19,704,751
57$23,391,866$17,362,652$15,866,210$21,112,095
58$25,731,450$18,167,036$16,351,342$22,640,605
59$28,308,210$19,009,373$16,851,264$24,301,763
60$31,146,293$19,891,478$17,366,427$26,108,188
61$34,272,306$20,815,251$17,897,293$28,073,747
62$37,715,568$21,782,686$18,444,340$30,213,681
63$41,508,389$22,795,870$19,008,058$32,544,747
64$45,686,371$23,856,995$19,588,955$35,085,368
65$50,288,748$24,968,354$20,187,551$37,855,799
66$55,358,751$26,132,354$20,804,385$40,878,317
67$60,944,023$27,351,518$21,440,011$44,177,423
68$67,097,060$28,628,490$22,094,998$47,780,063
69$73,875,714$29,966,040$22,769,935$51,715,882
70$81,343,737$31,367,075$23,465,427$56,017,492
71$89,571,377$32,834,641$24,182,098$60,720,773
72$98,636,050$34,371,931$24,920,591$65,865,206
73$108,623,064$35,982,293$25,681,568$71,494,235
74$119,626,427$37,669,235$26,465,711$77,655,670
75$131,749,732$39,436,438$27,273,722$84,402,129
76$145,107,140$41,287,758$28,106,326$91,791,525
77$159,824,449$43,227,240$28,964,269$99,887,604
78$176,040,290$45,259,121$29,848,320$108,760,537
79$193,907,430$47,387,848$30,759,268$118,487,567
80$213,594,215$49,618,081$31,697,931$129,153,735
81$235,286,162$51,954,703$32,665,149$140,852,664
82$259,187,705$54,402,839$33,661,786$153,687,436
83$285,524,130$56,967,857$34,688,735$167,771,549
84$314,543,697$59,655,388$35,746,914$183,229,975
85$346,519,988$62,471,336$36,837,269$200,200,330
86$381,754,485$65,421,889$37,960,776$218,834,153
87$420,579,418$68,513,537$39,118,437$239,298,328
88$463,360,903$71,753,085$40,311,289$261,776,637
89$510,502,394$75,147,665$41,540,397$286,471,482
90$562,448,496$78,704,758$42,806,857$313,605,780
91$619,689,158$82,432,207$44,111,803$343,425,045
92$682,764,302$86,338,235$45,456,398$376,199,690
93$752,268,916$90,431,463$46,841,842$412,227,560
94$828,858,674$94,720,934$48,269,373$451,836,723
95$913,256,125$99,216,126$49,740,263$495,388,545
96$1,006,257,513$103,926,979$51,255,824$543,281,076
97$1,108,740,294$108,863,916$52,817,409$595,952,793
98$1,221,671,421$114,037,864$54,426,410$653,886,704
99$1,346,116,471$119,460,285$56,084,259$717,614,891
100$1,483,249,704$125,143,192$57,792,436$787,723,501