Can I retire at age 52 with 13,600,000?

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 $13,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,058,696
2 years$555,978$545,623$535,588$525,858$516,421$490,591
3 years$366,970$356,571$346,561$336,922$327,638$302,574
4 years$272,485$262,117$252,208$242,734$233,674$209,568
5 years$215,808$205,503$195,723$186,443$177,636$154,555
6 years$178,036$167,809$158,174$149,100$140,557$118,525
7 years$151,067$140,926$131,443$122,583$114,310$93,330
8 years$130,849$120,799$111,474$102,832$94,832$74,894
9 years$115,133$105,177$96,013$87,590$79,862$60,952
10 years$102,567$92,709$83,706$75,503$68,046$50,143
11 years$92,292$82,533$73,693$65,711$58,522$41,600
12 years$83,736$74,077$65,401$57,637$50,714$34,745
13 years$76,502$66,944$58,431$50,885$44,224$29,177
14 years$70,307$60,850$52,501$45,170$38,766$24,610
15 years$64,942$55,588$47,401$40,284$34,133$20,834
16 years$60,253$51,001$42,976$36,070$30,167$17,691
17 years$56,120$46,970$39,107$32,408$26,748$15,060
18 years$52,450$43,402$35,699$29,206$23,783$12,847
19 years$49,170$40,225$32,681$26,390$21,198$10,979
20 years$46,222$37,379$29,993$23,902$18,935$9,397
21 years$43,558$34,817$27,588$21,692$16,944$8,053
22 years$41,140$32,500$25,426$19,723$15,188$6,909
23 years$38,935$30,397$23,477$17,962$13,634$5,933
24 years$36,917$28,480$21,712$16,383$12,254$5,099
25 years$35,063$26,727$20,110$14,962$11,027$4,385
26 years$33,354$25,119$18,651$13,680$9,933$3,773
27 years$31,775$23,640$17,319$12,522$8,955$3,248
28 years$30,311$22,276$16,100$11,473$8,080$2,798
29 years$28,951$21,015$14,983$10,521$7,296$2,410
30 years$27,684$19,846$13,956$9,655$6,593$2,077
31 years$26,500$18,761$13,010$8,868$5,961$1,791
32 years$25,393$17,752$12,139$8,150$5,392$1,544
33 years$24,356$16,811$11,334$7,494$4,880$1,332
34 years$23,381$15,933$10,590$6,895$4,418$1,149
35 years$22,464$15,113$9,901$6,348$4,001$991
36 years$21,600$14,344$9,262$5,846$3,625$855
37 years$20,785$13,624$8,669$5,386$3,286$738
38 years$20,014$12,947$8,118$4,965$2,979$637
39 years$19,284$12,311$7,606$4,578$2,701$550
40 years$18,593$11,713$7,129$4,222$2,450$475
41 years$17,938$11,150$6,685$3,896$2,223$410
42 years$17,315$10,619$6,271$3,595$2,017$354
43 years$16,723$10,118$5,884$3,319$1,831$305
44 years$16,159$9,644$5,523$3,064$1,662$264
45 years$15,622$9,197$5,186$2,830$1,509$228
46 years$15,109$8,773$4,871$2,614$1,370$196
47 years$14,620$8,372$4,576$2,415$1,244$170
48 years$14,153$7,993$4,300$2,232$1,129$146
49 years$13,706$7,632$4,042$2,062$1,026$126
50 years$13,278$7,291$3,800$1,906$932$109

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $13,600,000, adding $6,056 every year, while hoping to spend $27,423 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: 71/18/11 Blend
51$13,600,000$13,600,000$13,600,000$13,600,000
52$14,993,447$14,272,647$14,061,847$16,024,224
53$16,493,600$14,942,829$14,503,741$17,377,763
54$18,145,851$15,644,930$14,959,519$18,854,981
55$19,965,683$16,380,487$15,429,618$20,471,265
56$21,970,159$17,151,108$15,914,487$22,240,322
57$24,178,084$17,958,480$16,414,591$24,177,235
58$26,610,176$18,804,374$16,930,408$26,298,603
59$29,289,269$19,690,643$17,462,431$28,622,698
60$32,240,522$20,619,232$18,011,170$31,169,631
61$35,491,660$21,592,179$18,577,149$33,961,539
62$39,073,237$22,611,624$19,160,912$37,022,793
63$43,018,920$23,679,806$19,763,015$40,380,222
64$47,365,809$24,799,076$20,384,035$44,063,362
65$52,154,788$25,971,897$21,024,567$48,104,736
66$57,430,910$27,200,853$21,685,223$52,540,150
67$63,243,820$28,488,652$22,366,635$57,409,033
68$69,648,228$29,838,135$23,069,456$62,754,800
69$76,704,423$31,252,279$23,794,358$68,625,261
70$84,478,839$32,734,206$24,542,034$75,073,065
71$93,044,689$34,287,190$25,313,201$82,156,195
72$102,482,649$35,914,664$26,108,595$89,938,504
73$112,881,625$37,620,228$26,928,978$98,490,321
74$124,339,587$39,407,656$27,775,135$107,889,102
75$136,964,498$41,280,904$28,647,875$118,220,159
76$150,875,332$43,244,123$29,548,034$129,577,458
77$166,203,195$45,301,665$30,476,473$142,064,498
78$183,092,565$47,458,091$31,434,079$155,795,285
79$201,702,656$49,718,186$32,421,769$170,895,399
80$222,208,917$52,086,967$33,440,489$187,503,169
81$244,804,693$54,569,695$34,491,212$205,770,976
82$269,703,048$57,171,887$35,574,944$225,866,684
83$297,138,777$59,899,327$36,692,722$247,975,208
84$327,370,619$62,758,081$37,845,615$272,300,260
85$360,683,705$65,754,510$39,034,726$299,066,259
86$397,392,246$68,895,284$40,261,193$328,520,438
87$437,842,501$72,187,398$41,526,189$360,935,172
88$482,416,043$75,638,188$42,830,923$396,610,534
89$531,533,366$79,255,346$44,176,645$435,877,120
90$585,657,848$83,046,936$45,564,642$479,099,159
91$645,300,132$87,021,420$46,996,241$526,677,933
92$711,022,942$91,187,666$48,472,812$579,055,563
93$783,446,398$95,554,978$49,995,767$636,719,158
94$863,253,868$100,133,110$51,566,563$700,205,408
95$951,198,423$104,932,292$53,186,703$770,105,632
96$1,048,109,941$109,963,253$54,857,736$847,071,346
97$1,154,902,946$115,237,244$56,581,262$931,820,400
98$1,272,585,241$120,766,062$58,358,927$1,025,143,731
99$1,402,267,418$126,562,082$60,192,434$1,127,912,822
100$1,545,173,349$132,638,279$62,083,536$1,241,087,903