Can I retire at age 52 with 13,800,000?

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 $13,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$1,139,591$1,129,440$1,119,537$1,109,870$1,100,431$1,070,357
2 years$564,154$553,647$543,464$533,591$524,015$493,935
3 years$372,367$361,815$351,657$341,877$332,457$303,313
4 years$276,492$265,972$255,917$246,303$237,111$209,127
5 years$218,982$208,525$198,602$189,185$180,248$153,501
6 years$180,655$170,277$160,500$151,292$142,624$117,140
7 years$153,289$142,998$133,376$124,386$115,992$91,771
8 years$132,774$122,576$113,113$104,344$96,226$73,256
9 years$116,826$106,724$97,425$88,878$81,036$59,295
10 years$104,075$94,072$84,937$76,614$69,047$48,507
11 years$93,649$83,747$74,777$66,677$59,383$40,012
12 years$84,967$75,167$66,363$58,485$51,460$33,222
13 years$77,627$67,929$59,291$51,633$44,874$27,730
14 years$71,341$61,745$53,273$45,834$39,336$23,246
15 years$65,897$56,405$48,098$40,876$34,635$19,556
16 years$61,139$51,751$43,608$36,600$30,610$16,499
17 years$56,945$47,661$39,682$32,885$27,141$13,954
18 years$53,221$44,041$36,224$29,636$24,133$11,825
19 years$49,893$40,816$33,162$26,779$21,510$10,038
20 years$46,902$37,929$30,434$24,253$19,213$8,533
21 years$44,199$35,329$27,994$22,011$17,194$7,262
22 years$41,745$32,978$25,800$20,013$15,412$6,187
23 years$39,507$30,844$23,822$18,226$13,834$5,275
24 years$37,460$28,899$22,031$16,624$12,435$4,501
25 years$35,579$27,120$20,405$15,182$11,189$3,843
26 years$33,845$25,489$18,925$13,881$10,079$3,283
27 years$32,243$23,988$17,574$12,706$9,087$2,806
28 years$30,757$22,603$16,337$11,641$8,199$2,399
29 years$29,377$21,324$15,203$10,675$7,404$2,052
30 years$28,091$20,138$14,161$9,797$6,690$1,755
31 years$26,890$19,037$13,202$8,998$6,048$1,502
32 years$25,767$18,013$12,318$8,269$5,471$1,286
33 years$24,714$17,059$11,501$7,604$4,951$1,100
34 years$23,725$16,168$10,746$6,997$4,483$942
35 years$22,794$15,335$10,047$6,441$4,060$807
36 years$21,918$14,555$9,398$5,932$3,679$691
37 years$21,090$13,824$8,797$5,465$3,334$592
38 years$20,308$13,138$8,238$5,038$3,023$507
39 years$19,568$12,493$7,718$4,645$2,741$434
40 years$18,867$11,886$7,234$4,284$2,486$372
41 years$18,201$11,314$6,783$3,953$2,256$319
42 years$17,569$10,775$6,363$3,648$2,047$273
43 years$16,968$10,266$5,971$3,367$1,858$234
44 years$16,396$9,786$5,604$3,109$1,686$200
45 years$15,851$9,332$5,262$2,872$1,531$172
46 years$15,331$8,902$4,943$2,652$1,390$147
47 years$14,835$8,496$4,643$2,451$1,262$126
48 years$14,361$8,110$4,364$2,264$1,146$108
49 years$13,908$7,745$4,101$2,093$1,041$92
50 years$13,474$7,398$3,856$1,934$945$79

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $13,800,000, adding $5,330 every year, while hoping to spend $37,201 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: 36/40/24 Blend
51$13,800,000$13,800,000$13,800,000$13,800,000
52$15,213,098$14,481,698$14,267,798$15,650,491
53$16,725,252$15,151,720$14,706,188$16,643,174
54$18,390,400$15,853,325$15,158,016$17,710,317
55$20,224,106$16,588,024$15,623,695$18,861,654
56$22,243,524$17,357,396$16,103,648$20,104,759
57$24,467,554$18,163,099$16,598,311$21,447,933
58$26,917,023$19,006,870$17,108,133$22,900,280
59$29,614,882$19,890,529$17,633,579$24,471,784
60$32,586,422$20,815,986$18,175,125$26,173,396
61$35,859,509$21,785,242$18,733,264$28,017,135
62$39,464,853$22,800,393$19,308,502$30,016,190
63$43,436,294$23,863,638$19,901,363$32,185,037
64$47,811,121$24,977,282$20,512,384$34,539,571
65$52,630,428$26,143,741$21,142,121$37,097,245
66$57,939,494$27,365,547$21,791,145$39,877,228
67$63,788,220$28,645,356$22,460,046$42,900,576
68$70,231,590$29,985,951$23,149,429$46,190,422
69$77,330,200$31,390,249$23,859,922$49,772,185
70$85,150,819$32,861,310$24,592,169$53,673,796
71$93,767,029$34,402,341$25,346,833$57,925,959
72$103,259,914$36,016,704$26,124,599$62,562,420
73$113,718,825$37,707,922$26,926,174$67,620,281
74$125,242,227$39,479,692$27,752,282$73,140,337
75$137,938,624$41,335,887$28,603,674$79,167,444
76$151,927,587$43,280,569$29,481,120$85,750,935
77$167,340,880$45,317,996$30,385,417$92,945,066
78$184,323,704$47,452,632$31,317,382$100,809,519
79$203,036,069$49,689,158$32,277,862$109,409,946
80$223,654,302$52,032,481$33,267,725$118,818,576
81$246,372,715$54,487,747$34,287,867$129,114,875
82$271,405,435$57,060,349$35,339,214$140,386,287
83$298,988,427$59,755,944$36,422,715$152,729,032
84$329,381,723$62,580,461$37,539,352$166,249,003
85$362,871,874$65,540,120$38,690,136$181,062,738
86$399,774,657$68,641,437$39,876,107$197,298,508
87$440,438,054$71,891,250$41,098,339$215,097,498
88$485,245,539$75,296,724$42,357,937$234,615,121
89$534,619,695$78,865,375$43,656,039$256,022,461
90$589,026,207$82,605,081$44,993,819$279,507,862
91$648,978,256$86,524,106$46,372,488$305,278,679
92$715,041,362$90,631,111$47,793,290$333,563,210
93$787,838,725$94,935,180$49,257,510$364,612,821
94$868,057,109$99,445,837$50,766,470$398,704,290
95$956,453,320$104,173,070$52,321,533$436,142,386
96$1,053,861,359$109,127,350$53,924,105$477,262,716
97$1,161,200,286$114,319,659$55,575,631$522,434,857
98$1,279,482,904$119,761,511$57,277,603$572,065,810
99$1,409,825,314$125,464,979$59,031,557$626,603,801
100$1,553,457,458$131,442,724$60,839,075$686,542,478