Can I retire at age 52 with 13,400,000?

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 $13,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$1,106,559$1,096,703$1,087,086$1,077,700$1,068,535$1,042,703
2 years$547,802$537,599$527,712$518,125$508,826$482,957
3 years$361,573$351,327$341,464$331,968$322,820$297,721
4 years$268,478$258,263$248,499$239,164$230,238$206,103
5 years$212,635$202,481$192,845$183,701$175,023$151,919
6 years$175,418$165,341$155,848$146,907$138,490$116,440
7 years$148,845$138,853$129,510$120,780$112,629$91,637
8 years$128,925$119,023$109,835$101,320$93,437$73,493
9 years$113,439$103,631$94,601$86,302$78,687$59,775
10 years$101,058$91,345$82,475$74,393$67,046$49,144
11 years$90,935$81,319$72,610$64,744$57,661$40,745
12 years$82,505$72,988$64,439$56,789$49,968$34,009
13 years$75,377$65,960$57,572$50,137$43,573$28,540
14 years$69,273$59,956$51,729$44,506$38,196$24,057
15 years$63,987$54,771$46,704$39,691$33,631$20,351
16 years$59,367$50,251$42,344$35,539$29,723$17,268
17 years$55,295$46,279$38,532$31,932$26,354$14,690
18 years$51,679$42,764$35,174$28,777$23,433$12,522
19 years$48,447$39,633$32,200$26,002$20,887$10,693
20 years$45,542$36,829$29,552$23,550$18,656$9,146
21 years$42,918$34,305$27,182$21,373$16,695$7,832
22 years$40,535$32,022$25,053$19,433$14,965$6,714
23 years$38,362$29,950$23,132$17,698$13,433$5,761
24 years$36,374$28,061$21,393$16,142$12,074$4,947
25 years$34,547$26,334$19,814$14,742$10,865$4,251
26 years$32,864$24,750$18,376$13,479$9,787$3,655
27 years$31,308$23,292$17,064$12,338$8,824$3,144
28 years$29,866$21,948$15,863$11,304$7,962$2,706
29 years$28,525$20,706$14,762$10,366$7,189$2,329
30 years$27,277$19,554$13,750$9,513$6,496$2,006
31 years$26,111$18,485$12,819$8,737$5,873$1,728
32 years$25,020$17,491$11,960$8,030$5,312$1,489
33 years$23,997$16,564$11,168$7,384$4,808$1,283
34 years$23,037$15,699$10,434$6,794$4,353$1,106
35 years$22,134$14,890$9,755$6,254$3,943$953
36 years$21,282$14,133$9,126$5,760$3,572$822
37 years$20,479$13,423$8,542$5,307$3,238$708
38 years$19,720$12,757$7,999$4,892$2,935$611
39 years$19,001$12,130$7,494$4,510$2,662$527
40 years$18,320$11,541$7,024$4,160$2,414$454
41 years$17,674$10,986$6,586$3,838$2,190$392
42 years$17,060$10,463$6,178$3,542$1,987$338
43 years$16,477$9,969$5,798$3,270$1,804$292
44 years$15,921$9,502$5,442$3,019$1,637$252
45 years$15,392$9,061$5,110$2,788$1,486$217
46 years$14,887$8,644$4,799$2,576$1,350$187
47 years$14,405$8,249$4,509$2,380$1,225$161
48 years$13,945$7,875$4,237$2,199$1,113$139
49 years$13,504$7,520$3,983$2,032$1,011$120
50 years$13,083$7,184$3,744$1,878$918$104

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $13,400,000, adding $5,347 every year, while hoping to spend $54,463 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: 75/16/9 Blend
51$13,400,000$13,400,000$13,400,000$13,400,000
52$14,772,315$14,062,115$13,854,415$15,857,691
53$16,221,143$14,693,211$14,260,590$17,204,394
54$17,815,926$15,353,405$14,678,546$18,672,325
55$19,571,494$16,044,065$15,108,621$20,279,390
56$21,504,188$16,766,626$15,551,161$22,039,369
57$23,632,014$17,522,588$16,006,523$23,967,428
58$25,974,810$18,313,527$16,475,073$26,080,263
59$28,554,441$19,141,089$16,957,188$28,396,256
60$31,394,995$20,007,004$17,453,255$30,935,643
61$34,523,018$20,913,081$17,963,673$33,720,705
62$37,967,760$21,861,216$18,488,850$36,775,972
63$41,761,453$22,853,396$19,029,207$40,128,459
64$45,939,612$23,891,704$19,585,177$43,807,909
65$50,541,377$24,978,322$20,157,205$47,847,077
66$55,609,873$26,115,535$20,745,747$52,282,033
67$61,192,625$27,305,741$21,351,274$57,152,503
68$67,341,998$28,551,448$21,974,268$62,502,234
69$74,115,702$29,855,289$22,615,225$68,379,409
70$81,577,325$31,220,019$23,274,657$74,837,096
71$89,796,941$32,648,529$23,953,086$81,933,743
72$98,851,767$34,143,846$24,651,053$89,733,732
73$108,826,896$35,709,142$25,369,112$98,307,972
74$119,816,093$37,347,744$26,107,831$107,734,575
75$131,922,687$39,063,136$26,867,796$118,099,581
76$145,260,543$40,858,972$27,649,609$129,497,768
77$159,955,135$42,739,078$28,453,887$142,033,540
78$176,144,732$44,707,466$29,281,266$155,821,911
79$193,981,706$46,768,342$30,132,399$170,989,581
80$213,633,961$48,926,113$31,007,956$187,676,128
81$235,286,530$51,185,398$31,908,628$206,035,319
82$259,143,311$53,551,037$32,835,122$226,236,555
83$285,428,997$56,028,106$33,788,166$248,466,465
84$314,391,194$58,621,922$34,768,509$272,930,658
85$346,302,761$61,338,062$35,776,919$299,855,659
86$381,464,383$64,182,367$36,814,187$329,491,040
87$420,207,411$67,160,964$37,881,123$362,111,765
88$462,896,989$70,280,273$38,978,562$398,020,782
89$509,935,498$73,547,023$40,107,361$437,551,868
90$561,766,361$76,968,269$41,268,399$481,072,779
91$618,878,221$80,551,405$42,462,581$528,988,704
92$681,809,559$84,304,183$43,690,837$581,746,085
93$751,153,774$88,234,729$44,954,121$639,836,821
94$827,564,789$92,351,560$46,253,414$703,802,899
95$911,763,217$96,663,606$47,589,722$774,241,499
96$1,004,543,169$101,180,227$48,964,082$851,810,622
97$1,106,779,750$105,911,236$50,377,556$937,235,287
98$1,219,437,317$110,866,919$51,831,237$1,031,314,367
99$1,343,578,586$116,058,060$53,326,246$1,134,928,109
100$1,480,374,662$121,495,966$54,863,736$1,249,046,437