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

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 $13,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$1,131,333$1,121,256$1,111,424$1,101,828$1,092,457$1,060,035
2 years$560,066$549,635$539,526$529,725$520,218$487,821
3 years$369,668$359,193$349,109$339,400$330,048$298,692
4 years$274,488$264,045$254,062$244,518$235,393$205,318
5 years$217,395$207,014$197,163$187,814$178,942$150,230
6 years$179,346$169,043$159,337$150,196$141,591$114,268
7 years$152,178$141,962$132,410$123,484$115,151$89,216
8 years$131,811$121,687$112,294$103,588$95,529$70,966
9 years$115,979$105,951$96,719$88,234$80,449$57,233
10 years$103,321$93,390$84,321$76,059$68,547$46,645
11 years$92,971$83,140$74,235$66,194$58,952$38,328
12 years$84,352$74,622$65,882$58,061$51,087$31,698
13 years$77,065$67,437$58,861$51,259$44,549$26,351
14 years$70,824$61,298$52,887$45,502$39,051$21,999
15 years$65,420$55,997$47,750$40,580$34,384$18,428
16 years$60,696$51,376$43,292$36,335$30,388$15,481
17 years$56,533$47,315$39,394$32,647$26,945$13,035
18 years$52,836$43,721$35,962$29,421$23,958$10,998
19 years$49,532$40,521$32,921$26,584$21,354$9,293
20 years$46,562$37,654$30,214$24,077$19,074$7,864
21 years$43,878$35,073$27,791$21,852$17,069$6,662
22 years$41,442$32,739$25,613$19,868$15,300$5,649
23 years$39,221$30,620$23,649$18,094$13,734$4,794
24 years$37,188$28,689$21,872$16,503$12,345$4,071
25 years$35,321$26,924$20,258$15,072$11,108$3,460
26 years$33,600$25,304$18,788$13,781$10,006$2,941
27 years$32,009$23,814$17,446$12,614$9,021$2,502
28 years$30,534$22,440$16,219$11,557$8,140$2,128
29 years$29,164$21,169$15,093$10,598$7,350$1,811
30 years$27,887$19,992$14,058$9,726$6,641$1,542
31 years$26,695$18,899$13,106$8,933$6,004$1,313
32 years$25,580$17,882$12,228$8,210$5,431$1,118
33 years$24,535$16,935$11,418$7,549$4,915$952
34 years$23,553$16,051$10,668$6,946$4,450$811
35 years$22,629$15,224$9,974$6,394$4,031$691
36 years$21,759$14,449$9,330$5,889$3,652$589
37 years$20,937$13,724$8,733$5,426$3,310$502
38 years$20,161$13,042$8,178$5,001$3,001$428
39 years$19,426$12,402$7,662$4,611$2,721$364
40 years$18,730$11,800$7,182$4,253$2,468$311
41 years$18,070$11,232$6,734$3,924$2,239$265
42 years$17,442$10,697$6,317$3,622$2,032$226
43 years$16,845$10,192$5,927$3,343$1,844$192
44 years$16,278$9,715$5,564$3,087$1,674$164
45 years$15,736$9,264$5,224$2,851$1,520$140
46 years$15,220$8,838$4,907$2,633$1,380$119
47 years$14,728$8,434$4,610$2,433$1,253$102
48 years$14,257$8,051$4,332$2,248$1,138$87
49 years$13,807$7,689$4,072$2,078$1,033$74
50 years$13,376$7,344$3,828$1,920$939$63

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 $5,012 every year, while hoping to spend $22,034 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: 76/5/19 Blend
51$13,700,000$13,700,000$13,700,000$13,700,000
52$15,102,570$14,376,470$14,164,120$16,183,641
53$16,619,588$15,057,473$14,615,174$17,580,934
54$18,290,603$15,771,107$15,080,600$19,109,331
55$20,131,301$16,518,947$15,560,856$20,784,547
56$22,158,963$17,302,645$16,056,414$22,621,238
57$24,392,637$18,123,934$16,567,764$24,635,542
58$26,853,310$18,984,630$17,095,407$26,845,231
59$29,564,109$19,886,638$17,639,865$29,269,876
60$32,550,519$20,831,955$18,201,672$31,931,033
61$35,840,626$21,822,675$18,781,382$34,852,441
62$39,465,378$22,860,994$19,379,566$38,060,246
63$43,458,878$23,949,214$19,996,812$41,583,250
64$47,858,708$25,089,750$20,633,730$45,453,171
65$52,706,281$26,285,133$21,290,946$49,704,953
66$58,047,236$27,538,019$21,969,106$54,377,083
67$63,931,863$28,851,191$22,668,880$59,511,958
68$70,415,582$30,227,568$23,390,957$65,156,283
69$77,559,465$31,670,212$24,136,047$71,361,505
70$85,430,810$33,182,332$24,904,884$78,184,302
71$94,103,781$34,767,295$25,698,227$85,687,113
72$103,660,105$36,428,631$26,516,856$93,938,724
73$114,189,843$38,170,041$27,361,578$103,014,916
74$125,792,241$39,995,407$28,233,224$112,999,176
75$138,576,667$41,908,799$29,132,655$123,983,485
76$152,663,644$43,914,487$30,060,755$136,069,180
77$168,185,985$46,016,946$31,018,440$149,367,911
78$185,290,050$48,220,871$32,006,652$164,002,688
79$204,137,126$50,531,185$33,026,366$180,109,042
80$224,904,950$52,953,050$34,078,587$197,836,299
81$247,789,386$55,491,881$35,164,350$217,348,987
82$273,006,275$58,153,354$36,284,727$238,828,384
83$300,793,470$60,943,424$37,440,821$262,474,229
84$331,413,088$63,868,336$38,633,772$288,506,598
85$365,153,975$66,934,636$39,864,756$317,167,982
86$402,334,440$70,149,193$41,134,985$348,725,569
87$443,305,257$73,519,208$42,445,711$383,473,764
88$488,452,978$77,052,234$43,798,227$421,736,960
89$538,203,580$80,756,191$45,193,866$463,872,600
90$593,026,488$84,639,387$46,634,003$510,274,543
91$653,439,006$88,710,534$48,120,059$561,376,776
92$720,011,201$92,978,766$49,653,497$617,657,511
93$793,371,285$97,453,667$51,235,830$679,643,685
94$874,211,543$102,145,284$52,868,618$747,915,937
95$963,294,875$107,064,157$54,553,471$823,114,077
96$1,061,461,989$112,221,338$56,292,049$905,943,123
97$1,169,639,347$117,628,418$58,086,068$997,179,949
98$1,288,847,904$123,297,555$59,937,295$1,097,680,612
99$1,420,212,753$129,241,497$61,847,557$1,208,388,426
100$1,564,973,741$135,473,618$63,818,737$1,330,342,860