Can I retire at age 52 with 13,700,000?

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 $13,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$1,131,333$1,121,256$1,111,424$1,101,828$1,092,457$1,050,357
2 years$560,066$549,635$539,526$529,725$520,218$478,305
3 years$369,668$359,193$349,109$339,400$330,048$289,641
4 years$274,488$264,045$254,062$244,518$235,393$196,800
5 years$217,395$207,014$197,163$187,814$178,942$142,262
6 years$179,346$169,043$159,337$150,196$141,591$106,848
7 years$152,178$141,962$132,410$123,484$115,151$82,335
8 years$131,811$121,687$112,294$103,588$95,529$64,607
9 years$115,979$105,951$96,719$88,234$80,449$51,377
10 years$103,321$93,390$84,321$76,059$68,547$41,270
11 years$92,971$83,140$74,235$66,194$58,952$33,409
12 years$84,352$74,622$65,882$58,061$51,087$27,210
13 years$77,065$67,437$58,861$51,259$44,549$22,269
14 years$70,824$61,298$52,887$45,502$39,051$18,295
15 years$65,420$55,997$47,750$40,580$34,384$15,077
16 years$60,696$51,376$43,292$36,335$30,388$12,457
17 years$56,533$47,315$39,394$32,647$26,945$10,313
18 years$52,836$43,721$35,962$29,421$23,958$8,553
19 years$49,532$40,521$32,921$26,584$21,354$7,103
20 years$46,562$37,654$30,214$24,077$19,074$5,905
21 years$43,878$35,073$27,791$21,852$17,069$4,915
22 years$41,442$32,739$25,613$19,868$15,300$4,093
23 years$39,221$30,620$23,649$18,094$13,734$3,411
24 years$37,188$28,689$21,872$16,503$12,345$2,844
25 years$35,321$26,924$20,258$15,072$11,108$2,373
26 years$33,600$25,304$18,788$13,781$10,006$1,980
27 years$32,009$23,814$17,446$12,614$9,021$1,653
28 years$30,534$22,440$16,219$11,557$8,140$1,380
29 years$29,164$21,169$15,093$10,598$7,350$1,153
30 years$27,887$19,992$14,058$9,726$6,641$963
31 years$26,695$18,899$13,106$8,933$6,004$805
32 years$25,580$17,882$12,228$8,210$5,431$672
33 years$24,535$16,935$11,418$7,549$4,915$562
34 years$23,553$16,051$10,668$6,946$4,450$470
35 years$22,629$15,224$9,974$6,394$4,031$392
36 years$21,759$14,449$9,330$5,889$3,652$328
37 years$20,937$13,724$8,733$5,426$3,310$274
38 years$20,161$13,042$8,178$5,001$3,001$229
39 years$19,426$12,402$7,662$4,611$2,721$192
40 years$18,730$11,800$7,182$4,253$2,468$160
41 years$18,070$11,232$6,734$3,924$2,239$134
42 years$17,442$10,697$6,317$3,622$2,032$112
43 years$16,845$10,192$5,927$3,343$1,844$94
44 years$16,278$9,715$5,564$3,087$1,674$78
45 years$15,736$9,264$5,224$2,851$1,520$65
46 years$15,220$8,838$4,907$2,633$1,380$55
47 years$14,728$8,434$4,610$2,433$1,253$46
48 years$14,257$8,051$4,332$2,248$1,138$38
49 years$13,807$7,689$4,072$2,078$1,033$32
50 years$13,376$7,344$3,828$1,920$939$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $13,700,000, adding $3,159 every year, while hoping to spend $33,680 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: 53/42/5 Blend
51$13,700,000$13,700,000$13,700,000$13,700,000
52$15,100,659$14,374,559$14,162,209$15,884,417
53$16,605,090$15,043,077$14,600,807$17,083,279
54$18,261,846$15,743,223$15,052,970$18,382,846
55$20,086,425$16,476,513$15,519,116$19,795,760
56$22,095,911$17,244,532$15,999,677$21,332,719
57$24,309,126$18,048,946$16,495,098$23,005,473
58$26,746,810$18,891,498$17,005,838$24,826,929
59$29,431,821$19,774,017$17,532,369$26,811,265
60$32,389,342$20,698,420$18,075,179$28,974,062
61$35,647,129$21,666,716$18,634,771$31,332,440
62$39,235,762$22,681,012$19,211,662$33,905,218
63$43,188,945$23,743,516$19,806,387$36,713,077
64$47,543,812$24,856,543$20,419,497$39,778,759
65$52,341,288$26,022,521$21,051,557$43,127,262
66$57,626,469$27,243,994$21,703,154$46,786,078
67$63,449,050$28,523,631$22,374,890$50,785,437
68$69,863,790$29,864,226$23,067,386$55,158,588
69$76,931,037$31,268,713$23,781,284$59,942,101
70$84,717,289$32,740,167$24,517,243$65,176,205
71$93,295,827$34,281,808$25,275,945$70,905,153
72$102,747,402$35,897,018$26,058,090$77,177,637
73$113,161,003$37,589,338$26,864,402$84,047,229
74$124,634,692$39,362,483$27,695,627$91,572,878
75$137,276,533$41,220,346$28,552,532$99,819,455
76$151,205,608$43,167,012$29,435,911$108,858,352
77$166,553,145$45,206,761$30,346,579$118,768,141
78$183,463,755$47,344,081$31,285,378$129,635,306
79$202,096,796$49,583,679$32,253,176$141,555,040
80$222,627,879$51,930,489$33,250,867$154,632,131
81$245,250,524$54,389,685$34,279,373$168,981,932
82$270,177,990$56,966,691$35,339,644$184,731,440
83$297,645,281$59,667,196$36,432,659$202,020,468
84$327,911,375$62,497,163$37,559,428$221,002,954
85$361,261,657$65,462,846$38,720,991$241,848,390
86$398,010,623$68,570,803$39,918,421$264,743,404
87$438,504,843$71,827,908$41,152,824$289,893,500
88$483,126,232$75,241,371$42,425,339$317,524,977
89$532,295,661$78,818,751$43,737,141$347,887,039
90$586,476,924$82,567,976$45,089,441$381,254,124
91$646,181,120$86,497,356$46,483,487$417,928,471
92$711,971,476$90,615,608$47,920,565$458,242,947
93$784,468,664$94,931,870$49,402,001$502,564,155
94$864,356,662$99,455,727$50,929,163$551,295,874
95$952,389,210$104,197,226$52,503,459$604,882,833
96$1,049,396,926$109,166,906$54,126,341$663,814,880
97$1,156,295,145$114,375,817$55,799,306$728,631,574
98$1,274,092,564$119,835,546$57,523,897$799,927,237
99$1,403,900,762$125,558,245$59,301,704$878,356,536
100$1,546,944,695$131,556,654$61,134,366$964,640,616