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

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 $13,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$1,098,302$1,088,518$1,078,974$1,069,658$1,060,561$1,054,761
2 years$543,714$533,587$523,774$514,258$505,029$499,177
3 years$358,875$348,705$338,916$329,490$320,411$314,688
4 years$266,474$256,335$246,644$237,379$228,520$222,969
5 years$211,048$200,970$191,406$182,330$173,717$168,356
6 years$174,109$164,107$154,685$145,811$137,456$132,291
7 years$147,735$137,817$128,544$119,879$111,789$106,822
8 years$127,963$118,135$109,015$100,564$92,740$87,972
9 years$112,593$102,857$93,895$85,658$78,100$73,530
10 years$100,304$90,664$81,860$73,838$66,545$62,171
11 years$90,256$80,713$72,068$64,261$57,231$53,049
12 years$81,889$72,443$63,958$56,366$49,595$45,603
13 years$74,814$65,468$57,143$49,762$43,248$39,441
14 years$68,756$59,508$51,343$44,173$37,911$34,285
15 years$63,510$54,362$46,356$39,395$33,380$29,930
16 years$58,924$49,876$42,028$35,274$29,501$26,222
17 years$54,882$45,934$38,244$31,693$26,158$23,045
18 years$51,293$42,445$34,912$28,562$23,258$20,307
19 years$48,086$39,338$31,960$25,808$20,731$17,935
20 years$45,202$36,554$29,331$23,374$18,517$15,872
21 years$42,597$34,049$26,979$21,214$16,571$14,070
22 years$40,232$31,783$24,866$19,288$14,853$12,492
23 years$38,076$29,726$22,959$17,566$13,333$11,105
24 years$36,102$27,852$21,233$16,021$11,984$9,884
25 years$34,289$26,137$19,666$14,632$10,784$8,807
26 years$32,619$24,565$18,239$13,378$9,714$7,854
27 years$31,074$23,119$16,937$12,246$8,758$7,009
28 years$29,643$21,784$15,745$11,220$7,902$6,260
29 years$28,312$20,551$14,652$10,289$7,136$5,595
30 years$27,073$19,408$13,648$9,442$6,447$5,003
31 years$25,916$18,347$12,723$8,672$5,829$4,476
32 years$24,833$17,360$11,871$7,970$5,273$4,006
33 years$23,818$16,441$11,084$7,329$4,772$3,587
34 years$22,865$15,582$10,356$6,743$4,320$3,213
35 years$21,968$14,779$9,683$6,208$3,913$2,879
36 years$21,123$14,028$9,058$5,717$3,546$2,581
37 years$20,326$13,323$8,478$5,267$3,213$2,313
38 years$19,572$12,662$7,939$4,855$2,913$2,074
39 years$18,859$12,040$7,438$4,477$2,642$1,861
40 years$18,183$11,455$6,972$4,129$2,396$1,669
41 years$17,542$10,904$6,537$3,810$2,174$1,497
42 years$16,933$10,385$6,132$3,516$1,973$1,344
43 years$16,354$9,895$5,754$3,245$1,790$1,206
44 years$15,802$9,432$5,401$2,997$1,625$1,082
45 years$15,277$8,994$5,072$2,768$1,475$972
46 years$14,776$8,580$4,764$2,556$1,339$872
47 years$14,298$8,188$4,475$2,362$1,216$783
48 years$13,841$7,816$4,205$2,182$1,105$703
49 years$13,404$7,464$3,953$2,017$1,003$631
50 years$12,985$7,130$3,716$1,864$911$567

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 $3,929 every year, while hoping to spend $50,141 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: 66/25/9 Blend
51$13,300,000$13,300,000$13,300,000$13,300,000
52$14,660,653$13,955,753$13,749,603$15,601,467
53$16,102,690$14,586,235$14,156,865$16,858,255
54$17,690,134$15,245,930$14,576,090$18,224,973
55$19,437,764$15,936,217$15,007,625$19,717,370
56$21,361,864$16,658,540$15,451,829$21,347,701
57$23,480,378$17,414,413$15,909,069$23,129,448
58$25,813,078$18,205,421$16,379,724$25,077,445
59$28,381,752$19,033,225$16,864,184$27,208,008
60$31,210,405$19,899,568$17,362,849$29,539,093
61$34,325,493$20,806,274$17,876,132$32,090,458
62$37,756,167$21,755,254$18,404,455$34,883,846
63$41,534,547$22,748,513$18,948,256$37,943,185
64$45,696,031$23,788,151$19,507,983$41,294,812
65$50,279,622$24,876,366$20,084,096$44,967,717
66$55,328,302$26,015,466$20,677,071$48,993,808
67$60,889,432$27,207,867$21,287,396$53,408,213
68$67,015,202$28,456,101$21,915,573$58,249,602
69$73,763,126$29,762,823$22,562,117$63,560,549
70$81,196,577$31,130,814$23,227,561$69,387,927
71$89,385,393$32,562,989$23,912,449$75,783,344
72$98,406,532$34,062,404$24,617,345$82,803,629
73$108,344,797$35,632,260$25,342,825$90,511,353
74$119,293,641$37,275,915$26,089,483$98,975,423
75$131,356,043$38,996,886$26,857,932$108,271,718
76$144,645,485$40,798,860$27,648,799$118,483,800
77$159,287,021$42,685,700$28,462,730$129,703,697
78$175,418,457$44,661,459$29,300,391$142,032,762
79$193,191,649$46,730,380$30,162,464$155,582,622
80$212,773,943$48,896,915$31,049,652$170,476,223
81$234,349,749$51,165,727$31,962,679$186,848,980
82$258,122,282$53,541,707$32,902,288$204,850,048
83$284,315,483$56,029,978$33,869,242$224,643,718
84$313,176,129$58,635,914$34,864,329$246,410,960
85$344,976,166$61,365,145$35,888,355$270,351,116
86$380,015,272$64,223,575$36,942,153$296,683,776
87$418,623,691$67,217,391$38,026,576$325,650,833
88$461,165,345$70,353,081$39,142,504$357,518,760
89$508,041,272$73,637,443$40,290,839$392,581,106
90$559,693,411$77,077,607$41,472,511$431,161,259
91$616,608,773$80,681,044$42,688,475$473,615,482
92$679,324,042$84,455,589$43,939,712$520,336,261
93$748,430,634$88,409,453$45,227,233$571,755,993
94$824,580,289$92,551,247$46,552,076$628,351,055
95$908,491,215$96,889,994$47,915,307$690,646,283
96$1,000,954,874$101,435,158$49,318,024$759,219,904
97$1,102,843,448$106,196,658$50,761,355$834,708,984
98$1,215,118,079$111,184,894$52,246,460$917,815,413
99$1,338,837,938$116,410,768$53,774,531$1,009,312,520
100$1,475,170,223$121,885,711$55,346,793$1,110,052,343