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%16.7%
1 years$1,090,044$1,080,334$1,070,861$1,061,615$1,052,587$1,023,819
2 years$539,626$529,576$519,835$510,392$501,232$472,459
3 years$356,177$346,083$336,368$327,013$318,002$290,125
4 years$264,470$254,408$244,790$235,594$226,802$200,035
5 years$209,461$199,459$189,967$180,959$172,411$146,827
6 years$172,800$162,873$153,521$144,714$136,423$112,047
7 years$146,624$136,781$127,577$118,978$110,948$87,781
8 years$127,001$117,246$108,195$99,807$92,042$70,071
9 years$111,746$102,084$93,189$85,014$77,513$56,717
10 years$99,550$89,982$81,244$73,283$66,045$46,398
11 years$89,578$80,106$71,526$63,778$56,801$38,272
12 years$81,273$71,899$63,477$55,942$49,222$31,778
13 years$74,252$64,975$56,713$49,388$42,923$26,525
14 years$68,239$59,061$50,957$43,841$37,626$22,235
15 years$63,032$53,953$46,007$39,099$33,129$18,705
16 years$58,481$49,501$41,712$35,009$29,279$15,782
17 years$54,469$45,589$37,956$31,455$25,961$13,347
18 years$50,907$42,126$34,649$28,347$23,083$11,311
19 years$47,724$39,042$31,720$25,614$20,575$9,601
20 years$44,863$36,280$29,111$23,199$18,378$8,162
21 years$42,277$33,793$26,776$21,054$16,446$6,946
22 years$39,930$31,544$24,679$19,143$14,742$5,918
23 years$37,790$29,503$22,786$17,434$13,233$5,046
24 years$35,831$27,642$21,073$15,901$11,894$4,306
25 years$34,032$25,941$19,518$14,522$10,703$3,676
26 years$32,373$24,380$18,102$13,278$9,641$3,141
27 years$30,841$22,945$16,809$12,153$8,692$2,684
28 years$29,420$21,621$15,627$11,135$7,843$2,295
29 years$28,100$20,397$14,542$10,211$7,082$1,963
30 years$26,869$19,262$13,545$9,371$6,399$1,679
31 years$25,721$18,209$12,628$8,607$5,785$1,437
32 years$24,647$17,230$11,782$7,910$5,233$1,230
33 years$23,639$16,317$11,001$7,274$4,736$1,053
34 years$22,693$15,465$10,279$6,693$4,288$901
35 years$21,803$14,668$9,610$6,161$3,884$772
36 years$20,965$13,922$8,990$5,674$3,519$661
37 years$20,173$13,223$8,414$5,228$3,189$566
38 years$19,425$12,566$7,880$4,819$2,891$485
39 years$18,717$11,949$7,382$4,443$2,622$415
40 years$18,046$11,369$6,919$4,098$2,378$356
41 years$17,410$10,822$6,488$3,781$2,158$305
42 years$16,806$10,307$6,086$3,489$1,958$261
43 years$16,231$9,820$5,711$3,221$1,777$224
44 years$15,683$9,361$5,361$2,974$1,613$192
45 years$15,162$8,926$5,034$2,747$1,464$164
46 years$14,665$8,515$4,728$2,537$1,329$141
47 years$14,190$8,126$4,442$2,344$1,207$120
48 years$13,737$7,757$4,174$2,166$1,096$103
49 years$13,303$7,408$3,923$2,002$996$88
50 years$12,888$7,076$3,688$1,850$904$76

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 $5,944 every year, while hoping to spend $54,895 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: 79/12/9 Blend
51$13,200,000$13,200,000$13,200,000$13,200,000
52$14,552,531$13,852,931$13,648,331$15,681,901
53$15,978,482$14,473,317$14,047,142$17,044,269
54$17,548,039$15,122,262$14,457,474$18,530,715
55$19,275,793$15,801,107$14,879,654$20,159,755
56$21,177,821$16,511,258$15,314,019$21,945,594
57$23,271,837$17,254,188$15,760,917$23,903,871
58$25,577,359$18,031,438$16,220,702$26,051,806
59$28,115,896$18,844,624$16,693,742$28,408,361
60$30,911,147$19,695,441$17,180,412$30,994,418
61$33,989,229$20,585,662$17,681,101$33,832,971
62$37,378,916$21,517,146$18,196,204$36,949,344
63$41,111,920$22,491,840$18,726,131$40,371,425
64$45,223,181$23,511,786$19,271,301$44,129,931
65$49,751,203$24,579,120$19,832,147$48,258,691
66$54,738,413$25,696,085$20,409,112$52,794,966
67$60,231,566$26,865,028$21,002,652$57,779,796
68$66,282,180$28,088,408$21,613,235$63,258,386
69$72,947,027$29,368,805$22,241,343$69,280,530
70$80,288,666$30,708,919$22,887,470$75,901,078
71$88,376,036$32,111,582$23,552,126$83,180,449
72$97,285,102$33,579,759$24,235,833$91,185,201
73$107,099,575$35,116,561$24,939,126$99,988,651
74$117,911,704$36,725,245$25,662,559$109,671,572
75$129,823,142$38,409,225$26,406,699$120,322,943
76$142,945,906$40,172,081$27,172,127$132,040,789
77$157,403,437$42,017,562$27,959,442$144,933,103
78$173,331,763$43,949,598$28,769,259$159,118,862
79$190,880,784$45,972,309$29,602,210$174,729,142
80$210,215,684$48,090,012$30,458,944$191,908,353
81$231,518,493$50,307,232$31,340,128$210,815,600
82$254,989,805$52,628,712$32,246,447$231,626,176
83$280,850,667$55,059,421$33,178,605$254,533,213
84$309,344,672$57,604,570$34,137,326$279,749,500
85$340,740,254$60,269,619$35,123,352$307,509,488
86$375,333,222$63,060,292$36,137,446$338,071,493
87$413,449,552$65,982,588$37,180,392$371,720,134
88$455,448,467$69,042,795$38,252,995$408,769,009
89$501,725,823$72,247,505$39,356,083$449,563,650
90$552,717,851$75,603,626$40,490,506$494,484,779
91$608,905,269$79,118,401$41,657,135$543,951,894
92$670,817,825$82,799,422$42,856,868$598,427,222
93$739,039,295$86,654,645$44,090,624$658,420,075
94$814,212,993$90,692,412$45,359,351$724,491,647
95$897,047,846$94,921,469$46,664,017$797,260,308
96$988,325,087$99,350,981$48,005,622$877,407,430
97$1,088,905,624$103,990,557$49,385,188$965,683,809
98$1,199,738,174$108,850,271$50,803,769$1,062,916,745
99$1,321,868,216$113,940,683$52,262,443$1,170,017,841
100$1,456,447,860$119,272,862$53,762,321$1,287,991,599