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%19.7%
1 years$1,090,044$1,080,334$1,070,861$1,061,615$1,052,587$1,011,623
2 years$539,626$529,576$519,835$510,392$501,232$460,456
3 years$356,177$346,083$336,368$327,013$318,002$278,699
4 years$264,470$254,408$244,790$235,594$226,802$189,269
5 years$209,461$199,459$189,967$180,959$172,411$136,746
6 years$172,800$162,873$153,521$144,714$136,423$102,649
7 years$146,624$136,781$127,577$118,978$110,948$79,054
8 years$127,001$117,246$108,195$99,807$92,042$61,996
9 years$111,746$102,084$93,189$85,014$77,513$49,270
10 years$99,550$89,982$81,244$73,283$66,045$39,552
11 years$89,578$80,106$71,526$63,778$56,801$31,997
12 years$81,273$71,899$63,477$55,942$49,222$26,043
13 years$74,252$64,975$56,713$49,388$42,923$21,299
14 years$68,239$59,061$50,957$43,841$37,626$17,486
15 years$63,032$53,953$46,007$39,099$33,129$14,400
16 years$58,481$49,501$41,712$35,009$29,279$11,889
17 years$54,469$45,589$37,956$31,455$25,961$9,836
18 years$50,907$42,126$34,649$28,347$23,083$8,151
19 years$47,724$39,042$31,720$25,614$20,575$6,764
20 years$44,863$36,280$29,111$23,199$18,378$5,619
21 years$42,277$33,793$26,776$21,054$16,446$4,673
22 years$39,930$31,544$24,679$19,143$14,742$3,889
23 years$37,790$29,503$22,786$17,434$13,233$3,238
24 years$35,831$27,642$21,073$15,901$11,894$2,698
25 years$34,032$25,941$19,518$14,522$10,703$2,249
26 years$32,373$24,380$18,102$13,278$9,641$1,875
27 years$30,841$22,945$16,809$12,153$8,692$1,564
28 years$29,420$21,621$15,627$11,135$7,843$1,305
29 years$28,100$20,397$14,542$10,211$7,082$1,089
30 years$26,869$19,262$13,545$9,371$6,399$909
31 years$25,721$18,209$12,628$8,607$5,785$759
32 years$24,647$17,230$11,782$7,910$5,233$634
33 years$23,639$16,317$11,001$7,274$4,736$529
34 years$22,693$15,465$10,279$6,693$4,288$442
35 years$21,803$14,668$9,610$6,161$3,884$369
36 years$20,965$13,922$8,990$5,674$3,519$308
37 years$20,173$13,223$8,414$5,228$3,189$257
38 years$19,425$12,566$7,880$4,819$2,891$215
39 years$18,717$11,949$7,382$4,443$2,622$180
40 years$18,046$11,369$6,919$4,098$2,378$150
41 years$17,410$10,822$6,488$3,781$2,158$125
42 years$16,806$10,307$6,086$3,489$1,958$105
43 years$16,231$9,820$5,711$3,221$1,777$87
44 years$15,683$9,361$5,361$2,974$1,613$73
45 years$15,162$8,926$5,034$2,747$1,464$61
46 years$14,665$8,515$4,728$2,537$1,329$51
47 years$14,190$8,126$4,442$2,344$1,207$43
48 years$13,737$7,757$4,174$2,166$1,096$36
49 years$13,303$7,408$3,923$2,002$996$30
50 years$12,888$7,076$3,688$1,850$904$25

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 $3,560 every year, while hoping to spend $45,991 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: 27/43/30 Blend
51$13,200,000$13,200,000$13,200,000$13,200,000
52$14,550,072$13,850,472$13,645,872$14,807,448
53$15,985,245$14,480,211$14,054,075$15,648,175
54$17,565,265$15,139,266$14,474,411$16,545,990
55$19,304,857$15,829,025$14,907,238$17,509,008
56$21,220,246$16,550,941$15,352,925$18,542,830
57$23,329,314$17,306,540$15,811,851$19,653,579
58$25,651,762$18,097,418$16,284,406$20,847,960
59$28,209,300$18,925,250$16,770,991$22,133,311
60$31,025,849$19,791,788$17,272,020$23,517,669
61$34,127,772$20,698,871$17,787,919$25,009,840
62$37,544,115$21,648,427$18,319,124$26,619,471
63$41,306,887$22,642,472$18,866,088$28,357,136
64$45,451,360$23,683,124$19,429,272$30,234,428
65$50,016,402$24,772,600$20,009,156$32,264,060
66$55,044,841$25,913,223$20,606,229$34,459,977
67$60,583,874$27,107,431$21,220,997$36,837,476
68$66,685,509$28,357,775$21,853,980$39,413,345
69$73,407,057$29,666,931$22,505,714$42,206,009
70$80,811,670$31,037,704$23,176,749$45,235,696
71$88,968,942$32,473,034$23,867,652$48,524,612
72$97,955,562$33,976,001$24,579,006$52,097,148
73$107,856,039$35,549,834$25,311,412$55,980,091
74$118,763,499$37,197,919$26,065,488$60,202,867
75$130,780,562$38,923,804$26,841,869$64,797,809
76$144,020,317$40,731,208$27,641,209$69,800,446
77$158,607,381$42,624,028$28,464,181$75,249,822
78$174,679,080$44,606,353$29,311,477$81,188,857
79$192,386,746$46,682,464$30,183,812$87,664,731
80$211,897,142$48,856,852$31,081,917$94,729,316
81$233,394,037$51,134,224$32,006,547$102,439,647
82$257,079,941$53,519,514$32,958,479$110,858,445
83$283,178,019$56,017,894$33,938,512$120,054,693
84$311,934,193$58,634,786$34,947,468$130,104,263
85$343,619,464$61,375,874$35,986,192$141,090,614
86$378,532,475$64,247,118$37,055,555$153,105,563
87$417,002,323$67,254,762$38,156,452$166,250,125
88$459,391,672$70,405,357$39,289,805$180,635,446
89$506,100,170$73,705,767$40,456,560$196,383,828
90$557,568,227$77,163,189$41,657,695$213,629,861
91$614,281,169$80,785,169$42,894,211$232,521,663
92$676,773,823$84,579,617$44,167,141$253,222,255
93$745,635,561$88,554,826$45,477,548$275,911,069
94$821,515,866$92,719,490$46,826,524$300,785,612
95$905,130,465$97,082,726$48,215,194$328,063,304
96$997,268,082$101,654,090$49,644,713$357,983,491
97$1,098,797,888$106,443,601$51,116,272$390,809,674
98$1,210,677,700$111,461,765$52,631,094$426,831,961
99$1,333,963,029$116,719,595$54,190,439$466,369,768
100$1,469,817,042$122,228,639$55,795,603$509,774,793