Can I retire at age 52 with 13,500,000?

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 $13,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,061,737
2 years$551,890$541,611$531,650$521,992$512,623$497,767
3 years$364,272$353,949$344,013$334,445$325,229$310,750
4 years$270,481$260,190$250,353$240,949$231,956$217,966
5 years$214,222$203,992$194,284$185,072$176,329$162,869
6 years$176,727$166,575$157,011$148,003$139,524$126,608
7 years$149,956$139,889$130,477$121,682$113,470$101,105
8 years$129,887$119,911$110,654$102,076$94,134$82,318
9 years$114,286$104,404$95,307$86,946$79,275$68,002
10 years$101,812$92,027$83,091$74,948$67,546$56,808
11 years$91,613$81,926$73,152$65,227$58,092$47,878
12 years$83,120$73,533$64,920$57,213$50,341$40,640
13 years$75,940$66,452$58,002$50,511$43,898$34,697
14 years$69,790$60,403$52,115$44,838$38,481$29,766
15 years$64,465$55,179$47,053$39,987$33,882$25,637
16 years$59,810$50,626$42,660$35,804$29,945$22,156
17 years$55,707$46,625$38,819$32,170$26,551$19,201
18 years$52,064$43,083$35,437$28,992$23,608$16,681
19 years$48,809$39,929$32,441$26,196$21,042$14,521
20 years$45,882$37,104$29,772$23,726$18,795$12,664
21 years$43,238$34,561$27,385$21,533$16,820$11,061
22 years$40,837$32,261$25,239$19,578$15,077$9,674
23 years$38,649$30,173$23,304$17,830$13,534$8,470
24 years$36,645$28,271$21,552$16,262$12,164$7,423
25 years$34,805$26,531$19,962$14,852$10,946$6,512
26 years$33,109$24,934$18,514$13,580$9,860$5,716
27 years$31,542$23,466$17,192$12,430$8,889$5,022
28 years$30,089$22,112$15,982$11,388$8,021$4,414
29 years$28,738$20,860$14,872$10,443$7,243$3,881
30 years$27,480$19,700$13,853$9,584$6,544$3,415
31 years$26,306$18,623$12,915$8,802$5,917$3,005
32 years$25,207$17,621$12,050$8,090$5,352$2,646
33 years$24,177$16,688$11,251$7,439$4,844$2,330
34 years$23,209$15,816$10,512$6,845$4,385$2,053
35 years$22,299$15,001$9,828$6,301$3,972$1,809
36 years$21,441$14,239$9,194$5,803$3,599$1,594
37 years$20,632$13,523$8,605$5,347$3,262$1,405
38 years$19,867$12,852$8,059$4,928$2,957$1,239
39 years$19,143$12,221$7,550$4,544$2,682$1,092
40 years$18,457$11,627$7,077$4,191$2,432$963
41 years$17,806$11,068$6,636$3,867$2,207$849
42 years$17,187$10,541$6,224$3,569$2,002$749
43 years$16,600$10,043$5,841$3,294$1,817$661
44 years$16,040$9,573$5,483$3,042$1,649$583
45 years$15,507$9,129$5,148$2,809$1,497$514
46 years$14,998$8,709$4,835$2,595$1,360$454
47 years$14,513$8,311$4,543$2,397$1,235$400
48 years$14,049$7,934$4,269$2,215$1,121$353
49 years$13,605$7,576$4,012$2,047$1,018$312
50 years$13,181$7,237$3,772$1,892$925$275

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $13,500,000, adding $6,468 every year, while hoping to spend $26,162 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: 46/47/7 Blend
51$13,500,000$13,500,000$13,500,000$13,500,000
52$14,883,672$14,168,172$13,958,922$15,539,540
53$16,373,970$14,834,576$14,398,709$16,657,871
54$18,015,402$15,532,757$14,852,353$17,867,052
55$19,823,356$16,264,245$15,320,290$19,178,104
56$21,814,787$17,030,642$15,802,969$20,600,444
57$24,008,383$17,833,631$16,300,856$22,144,408
58$26,424,733$18,674,974$16,814,429$23,821,338
59$29,086,526$19,556,518$17,344,183$25,643,681
60$32,018,766$20,480,202$17,890,628$27,625,105
61$35,249,005$21,448,057$18,454,289$29,780,616
62$38,807,605$22,462,213$19,035,709$32,126,695
63$42,728,023$23,524,904$19,635,447$34,681,443
64$47,047,128$24,638,470$20,254,081$37,464,747
65$51,805,548$25,805,368$20,892,206$40,498,456
66$57,048,055$27,028,172$21,550,436$43,806,578
67$62,823,985$28,309,582$22,229,404$47,415,501
68$69,187,707$29,652,426$22,929,764$51,354,226
69$76,199,132$31,059,674$23,652,190$55,654,638
70$83,924,282$32,534,437$24,397,377$60,351,788
71$92,435,912$34,079,977$25,166,042$65,484,218
72$101,814,196$35,699,717$25,958,925$71,094,309
73$112,147,483$37,397,243$26,776,789$77,228,674
74$123,533,136$39,176,317$27,620,421$83,938,576
75$136,078,444$41,040,885$28,490,633$91,280,408
76$149,901,638$42,995,081$29,388,262$99,316,204
77$165,133,009$45,043,243$30,314,173$108,114,210
78$181,916,134$47,189,920$31,269,255$117,749,517
79$200,409,233$49,439,880$32,254,429$128,304,747
80$220,786,665$51,798,124$33,270,643$139,870,819
81$243,240,569$54,269,897$34,318,873$152,547,791
82$267,982,682$56,860,696$35,400,130$166,445,779
83$295,246,335$59,576,289$36,515,454$181,685,983
84$325,288,657$62,422,724$37,665,917$198,401,805
85$358,393,002$65,406,340$38,852,628$216,740,091
86$394,871,626$68,533,787$40,076,728$236,862,489
87$435,068,628$71,812,040$41,339,396$258,946,954
88$479,363,209$75,248,410$42,641,845$283,189,404
89$528,173,240$78,850,566$43,985,331$309,805,538
90$581,959,216$82,626,549$45,371,145$339,032,849
91$641,228,599$86,584,794$46,800,622$371,132,833
92$706,540,610$90,734,142$48,275,137$406,393,431
93$778,511,508$95,083,870$49,796,109$445,131,712
94$857,820,404$99,643,703$51,365,002$487,696,833
95$945,215,682$104,423,841$52,983,325$534,473,301
96$1,041,522,051$109,434,979$54,652,637$585,884,568
97$1,147,648,344$114,688,336$56,374,543$642,396,982
98$1,264,596,085$120,195,675$58,150,701$704,524,159
99$1,393,468,956$125,969,334$59,982,820$772,831,782
100$1,535,483,209$132,022,250$61,872,663$847,942,901