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

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 $13,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$1,106,559$1,096,703$1,087,086$1,077,700$1,068,535$1,038,494
2 years$547,802$537,599$527,712$518,125$508,826$478,789
3 years$361,573$351,327$341,464$331,968$322,820$293,728
4 years$268,478$258,263$248,499$239,164$230,238$202,314
5 years$212,635$202,481$192,845$183,701$175,023$148,344
6 years$175,418$165,341$155,848$146,907$138,490$113,081
7 years$148,845$138,853$129,510$120,780$112,629$88,490
8 years$128,925$119,023$109,835$101,320$93,437$70,555
9 years$113,439$103,631$94,601$86,302$78,687$57,040
10 years$101,058$91,345$82,475$74,393$67,046$46,604
11 years$90,935$81,319$72,610$64,744$57,661$38,393
12 years$82,505$72,988$64,439$56,789$49,968$31,835
13 years$75,377$65,960$57,572$50,137$43,573$26,537
14 years$69,273$59,956$51,729$44,506$38,196$22,215
15 years$63,987$54,771$46,704$39,691$33,631$18,662
16 years$59,367$50,251$42,344$35,539$29,723$15,722
17 years$55,295$46,279$38,532$31,932$26,354$13,277
18 years$51,679$42,764$35,174$28,777$23,433$11,235
19 years$48,447$39,633$32,200$26,002$20,887$9,523
20 years$45,542$36,829$29,552$23,550$18,656$8,083
21 years$42,918$34,305$27,182$21,373$16,695$6,868
22 years$40,535$32,022$25,053$19,433$14,965$5,842
23 years$38,362$29,950$23,132$17,698$13,433$4,974
24 years$36,374$28,061$21,393$16,142$12,074$4,237
25 years$34,547$26,334$19,814$14,742$10,865$3,612
26 years$32,864$24,750$18,376$13,479$9,787$3,081
27 years$31,308$23,292$17,064$12,338$8,824$2,629
28 years$29,866$21,948$15,863$11,304$7,962$2,244
29 years$28,525$20,706$14,762$10,366$7,189$1,916
30 years$27,277$19,554$13,750$9,513$6,496$1,636
31 years$26,111$18,485$12,819$8,737$5,873$1,398
32 years$25,020$17,491$11,960$8,030$5,312$1,194
33 years$23,997$16,564$11,168$7,384$4,808$1,021
34 years$23,037$15,699$10,434$6,794$4,353$872
35 years$22,134$14,890$9,755$6,254$3,943$746
36 years$21,282$14,133$9,126$5,760$3,572$638
37 years$20,479$13,423$8,542$5,307$3,238$545
38 years$19,720$12,757$7,999$4,892$2,935$466
39 years$19,001$12,130$7,494$4,510$2,662$399
40 years$18,320$11,541$7,024$4,160$2,414$341
41 years$17,674$10,986$6,586$3,838$2,190$291
42 years$17,060$10,463$6,178$3,542$1,987$249
43 years$16,477$9,969$5,798$3,270$1,804$213
44 years$15,921$9,502$5,442$3,019$1,637$182
45 years$15,392$9,061$5,110$2,788$1,486$156
46 years$14,887$8,644$4,799$2,576$1,350$133
47 years$14,405$8,249$4,509$2,380$1,225$114
48 years$13,945$7,875$4,237$2,199$1,113$98
49 years$13,504$7,520$3,983$2,032$1,011$83
50 years$13,083$7,184$3,744$1,878$918$71

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 $4,647 every year, while hoping to spend $23,763 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: 46/38/16 Blend
51$13,400,000$13,400,000$13,400,000$13,400,000
52$14,771,593$14,061,393$13,853,693$15,383,676
53$16,253,012$14,725,118$14,292,508$16,473,905
54$17,884,739$15,420,569$14,745,227$17,653,199
55$19,682,081$16,149,275$15,212,291$18,932,076
56$21,661,905$16,912,840$15,694,154$20,319,802
57$23,842,796$17,712,947$16,191,285$21,826,545
58$26,245,236$18,551,356$16,704,168$23,463,471
59$28,891,795$19,429,918$17,233,303$25,242,841
60$31,807,344$20,350,570$17,779,204$27,178,120
61$35,019,290$21,315,344$18,342,404$29,284,098
62$38,557,833$22,326,372$18,923,450$31,577,027
63$42,456,255$23,385,887$19,522,909$34,074,760
64$46,751,230$24,496,232$20,141,363$36,796,919
65$51,483,172$25,659,864$20,779,415$39,765,069
66$56,696,616$26,879,358$21,437,687$43,002,917
67$62,440,640$28,157,416$22,116,818$46,536,523
68$68,769,325$29,496,869$22,817,471$50,394,540
69$75,742,268$30,900,686$23,540,328$54,608,475
70$83,425,142$32,371,983$24,286,092$59,212,978
71$91,890,321$33,914,024$25,055,490$64,246,158
72$101,217,555$35,530,234$25,849,271$69,749,932
73$111,494,732$37,224,201$26,668,208$75,770,409
74$122,818,700$38,999,693$27,513,098$82,358,317
75$135,296,186$40,860,655$28,384,765$89,569,468
76$149,044,799$42,811,230$29,284,056$97,465,271
77$164,194,145$44,855,757$30,211,849$106,113,302
78$180,887,048$46,998,789$31,169,046$115,587,925
79$199,280,897$49,245,100$32,156,580$125,970,982
80$219,549,136$51,599,697$33,175,413$137,352,547
81$241,882,895$54,067,830$34,226,536$149,831,767
82$266,492,799$56,655,002$35,310,974$163,517,776
83$293,610,956$59,366,989$36,429,783$178,530,709
84$323,493,146$62,209,843$37,584,053$195,002,821
85$356,421,235$65,189,914$38,774,907$213,079,711
86$392,705,842$68,313,860$40,003,507$232,921,685
87$432,689,261$71,588,663$41,271,048$254,705,240
88$476,748,704$75,021,646$42,578,766$278,624,714
89$525,299,851$78,620,486$43,927,934$304,894,097
90$578,800,783$82,393,237$45,319,867$333,749,026
91$637,756,301$86,348,344$46,755,921$365,448,985
92$702,722,694$90,494,662$48,237,494$400,279,731
93$774,312,989$94,841,481$49,766,031$438,555,961
94$853,202,741$99,398,540$51,343,020$480,624,254
95$940,136,406$104,176,055$52,969,997$526,866,320
96$1,035,934,376$109,184,738$54,648,548$577,702,561
97$1,141,500,716$114,435,824$56,380,308$633,596,016
98$1,257,831,706$119,941,096$58,166,965$695,056,695
99$1,386,025,241$125,712,911$60,010,260$762,646,358
100$1,527,291,200$131,764,228$61,911,987$836,983,778