Can I retire at age 52 with 13,300,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $13,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$1,098,302$1,088,518$1,078,974$1,069,658$1,060,561$1,055,204
2 years$543,714$533,587$523,774$514,258$505,029$499,623
3 years$358,875$348,705$338,916$329,490$320,411$315,123
4 years$266,474$256,335$246,644$237,379$228,520$223,391
5 years$211,048$200,970$191,406$182,330$173,717$168,762
6 years$174,109$164,107$154,685$145,811$137,456$132,681
7 years$147,735$137,817$128,544$119,879$111,789$107,197
8 years$127,963$118,135$109,015$100,564$92,740$88,330
9 years$112,593$102,857$93,895$85,658$78,100$73,873
10 years$100,304$90,664$81,860$73,838$66,545$62,498
11 years$90,256$80,713$72,068$64,261$57,231$53,361
12 years$81,889$72,443$63,958$56,366$49,595$45,899
13 years$74,814$65,468$57,143$49,762$43,248$39,722
14 years$68,756$59,508$51,343$44,173$37,911$34,552
15 years$63,510$54,362$46,356$39,395$33,380$30,183
16 years$58,924$49,876$42,028$35,274$29,501$26,462
17 years$54,882$45,934$38,244$31,693$26,158$23,272
18 years$51,293$42,445$34,912$28,562$23,258$20,521
19 years$48,086$39,338$31,960$25,808$20,731$18,137
20 years$45,202$36,554$29,331$23,374$18,517$16,062
21 years$42,597$34,049$26,979$21,214$16,571$14,249
22 years$40,232$31,783$24,866$19,288$14,853$12,660
23 years$38,076$29,726$22,959$17,566$13,333$11,264
24 years$36,102$27,852$21,233$16,021$11,984$10,033
25 years$34,289$26,137$19,666$14,632$10,784$8,946
26 years$32,619$24,565$18,239$13,378$9,714$7,984
27 years$31,074$23,119$16,937$12,246$8,758$7,131
28 years$29,643$21,784$15,745$11,220$7,902$6,374
29 years$28,312$20,551$14,652$10,289$7,136$5,701
30 years$27,073$19,408$13,648$9,442$6,447$5,102
31 years$25,916$18,347$12,723$8,672$5,829$4,569
32 years$24,833$17,360$11,871$7,970$5,273$4,092
33 years$23,818$16,441$11,084$7,329$4,772$3,667
34 years$22,865$15,582$10,356$6,743$4,320$3,288
35 years$21,968$14,779$9,683$6,208$3,913$2,948
36 years$21,123$14,028$9,058$5,717$3,546$2,645
37 years$20,326$13,323$8,478$5,267$3,213$2,373
38 years$19,572$12,662$7,939$4,855$2,913$2,130
39 years$18,859$12,040$7,438$4,477$2,642$1,912
40 years$18,183$11,455$6,972$4,129$2,396$1,716
41 years$17,542$10,904$6,537$3,810$2,174$1,541
42 years$16,933$10,385$6,132$3,516$1,973$1,384
43 years$16,354$9,895$5,754$3,245$1,790$1,243
44 years$15,802$9,432$5,401$2,997$1,625$1,117
45 years$15,277$8,994$5,072$2,768$1,475$1,003
46 years$14,776$8,580$4,764$2,556$1,339$902
47 years$14,298$8,188$4,475$2,362$1,216$810
48 years$13,841$7,816$4,205$2,182$1,105$728
49 years$13,404$7,464$3,953$2,017$1,003$654
50 years$12,985$7,130$3,716$1,864$911$588

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $13,300,000, adding $4,439 every year, while hoping to spend $36,538 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: 74/21/5 Blend
51$13,300,000$13,300,000$13,300,000$13,300,000
52$14,661,179$13,956,279$13,750,129$15,740,464
53$16,117,743$14,601,260$14,171,882$17,095,940
54$17,721,652$15,276,621$14,606,539$18,575,239
55$19,487,897$15,983,812$15,054,494$20,194,622
56$21,432,995$16,724,352$15,516,153$21,967,915
57$23,575,150$17,499,834$15,991,933$23,910,333
58$25,934,418$18,311,929$16,482,266$26,038,625
59$28,532,901$19,162,386$16,987,595$28,371,221
60$31,394,955$20,053,041$17,508,377$30,928,411
61$34,547,416$20,985,816$18,045,083$33,732,529
62$38,019,859$21,962,727$18,598,200$36,808,160
63$41,844,873$22,985,889$19,168,228$40,182,372
64$46,058,368$24,057,515$19,755,682$43,884,964
65$50,699,917$25,179,929$20,361,092$47,948,747
66$55,813,127$26,355,564$20,985,008$52,409,844
67$61,446,052$27,586,973$21,627,991$57,308,035
68$67,651,645$28,876,830$22,290,625$62,687,122
69$74,488,258$30,227,941$22,973,506$68,595,338
70$82,020,195$31,643,244$23,677,253$75,085,800
71$90,318,314$33,125,822$24,402,500$82,217,007
72$99,460,702$34,678,907$25,149,903$90,053,379
73$109,533,405$36,305,885$25,920,137$98,665,869
74$120,631,247$38,010,308$26,713,896$108,132,621
75$132,858,720$39,795,899$27,531,897$118,539,704
76$146,330,972$41,666,561$28,374,879$129,981,917
77$161,174,895$43,626,386$29,243,601$142,563,679
78$177,530,321$45,679,665$30,138,848$156,400,006
79$195,551,340$47,830,896$31,061,427$171,617,588
80$215,407,761$50,084,794$32,012,169$188,355,983
81$237,286,708$52,446,304$32,991,931$206,768,920
82$261,394,389$54,920,610$34,001,598$227,025,747
83$287,958,043$57,513,146$35,042,078$249,313,015
84$317,228,085$60,229,612$36,114,309$273,836,238
85$349,480,468$63,075,981$37,219,257$300,821,817
86$385,019,291$66,058,519$38,357,917$330,519,168
87$424,179,665$69,183,794$39,531,314$363,203,070
88$467,330,883$72,458,691$40,740,504$399,176,245
89$514,879,899$75,890,433$41,986,577$438,772,203
90$567,275,174$79,486,590$43,270,653$482,358,381
91$625,010,910$83,255,101$44,593,888$530,339,599
92$688,631,711$87,204,289$45,957,472$583,161,868
93$758,737,729$91,342,883$47,362,630$641,316,585
94$835,990,327$95,680,033$48,810,628$705,345,160
95$921,118,322$100,225,337$50,302,766$775,844,110
96$1,014,924,868$104,988,855$51,840,385$853,470,678
97$1,118,295,034$109,981,139$53,424,868$938,949,016
98$1,232,204,164$115,213,251$55,057,638$1,033,077,008
99$1,357,727,081$120,696,793$56,740,161$1,136,733,782
100$1,496,048,236$126,443,927$58,473,948$1,250,887,993