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%19.7%
1 years$1,139,591$1,129,440$1,119,537$1,109,870$1,100,431$1,057,606
2 years$564,154$553,647$543,464$533,591$524,015$481,386
3 years$372,367$361,815$351,657$341,877$332,457$291,367
4 years$276,492$265,972$255,917$246,303$237,111$197,873
5 years$218,982$208,525$198,602$189,185$180,248$142,962
6 years$180,655$170,277$160,500$151,292$142,624$107,315
7 years$153,289$142,998$133,376$124,386$115,992$82,647
8 years$132,774$122,576$113,113$104,344$96,226$64,814
9 years$116,826$106,724$97,425$88,878$81,036$51,510
10 years$104,075$94,072$84,937$76,614$69,047$41,350
11 years$93,649$83,747$74,777$66,677$59,383$33,452
12 years$84,967$75,167$66,363$58,485$51,460$27,227
13 years$77,627$67,929$59,291$51,633$44,874$22,267
14 years$71,341$61,745$53,273$45,834$39,336$18,281
15 years$65,897$56,405$48,098$40,876$34,635$15,055
16 years$61,139$51,751$43,608$36,600$30,610$12,429
17 years$56,945$47,661$39,682$32,885$27,141$10,283
18 years$53,221$44,041$36,224$29,636$24,133$8,521
19 years$49,893$40,816$33,162$26,779$21,510$7,071
20 years$46,902$37,929$30,434$24,253$19,213$5,875
21 years$44,199$35,329$27,994$22,011$17,194$4,885
22 years$41,745$32,978$25,800$20,013$15,412$4,065
23 years$39,507$30,844$23,822$18,226$13,834$3,386
24 years$37,460$28,899$22,031$16,624$12,435$2,821
25 years$35,579$27,120$20,405$15,182$11,189$2,351
26 years$33,845$25,489$18,925$13,881$10,079$1,961
27 years$32,243$23,988$17,574$12,706$9,087$1,635
28 years$30,757$22,603$16,337$11,641$8,199$1,365
29 years$29,377$21,324$15,203$10,675$7,404$1,139
30 years$28,091$20,138$14,161$9,797$6,690$950
31 years$26,890$19,037$13,202$8,998$6,048$793
32 years$25,767$18,013$12,318$8,269$5,471$662
33 years$24,714$17,059$11,501$7,604$4,951$553
34 years$23,725$16,168$10,746$6,997$4,483$462
35 years$22,794$15,335$10,047$6,441$4,060$386
36 years$21,918$14,555$9,398$5,932$3,679$322
37 years$21,090$13,824$8,797$5,465$3,334$269
38 years$20,308$13,138$8,238$5,038$3,023$225
39 years$19,568$12,493$7,718$4,645$2,741$188
40 years$18,867$11,886$7,234$4,284$2,486$157
41 years$18,201$11,314$6,783$3,953$2,256$131
42 years$17,569$10,775$6,363$3,648$2,047$109
43 years$16,968$10,266$5,971$3,367$1,858$91
44 years$16,396$9,786$5,604$3,109$1,686$76
45 years$15,851$9,332$5,262$2,872$1,531$64
46 years$15,331$8,902$4,943$2,652$1,390$53
47 years$14,835$8,496$4,643$2,451$1,262$45
48 years$14,361$8,110$4,364$2,264$1,146$37
49 years$13,908$7,745$4,101$2,093$1,041$31
50 years$13,474$7,398$3,856$1,934$945$26

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 $3,704 every year, while hoping to spend $39,781 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: 87/7/6 Blend
51$13,800,000$13,800,000$13,800,000$13,800,000
52$15,211,421$14,480,021$14,266,121$16,531,348
53$16,720,659$15,147,215$14,701,709$18,058,664
54$18,382,506$15,845,769$15,150,556$19,731,197
55$20,212,487$16,577,176$15,613,065$21,568,189
56$22,227,706$17,343,004$16,089,649$23,586,182
57$24,447,015$18,144,894$16,580,735$25,803,395
58$26,891,184$18,984,567$17,086,763$28,239,896
59$29,583,101$19,863,827$17,608,186$30,917,789
60$32,547,988$20,784,565$18,145,470$33,861,422
61$35,813,637$21,748,763$18,699,098$37,097,618
62$39,410,673$22,758,498$19,269,563$40,655,921
63$43,372,845$23,815,947$19,857,376$44,568,878
64$47,737,339$24,923,393$20,463,062$48,872,343
65$52,545,137$26,083,228$21,087,164$53,605,815
66$57,841,396$27,297,961$21,730,239$58,812,807
67$63,675,878$28,570,220$22,392,861$64,541,257
68$70,103,418$29,902,762$23,075,623$70,843,978
69$77,184,445$31,298,476$23,779,135$77,779,153
70$84,985,546$32,760,389$24,504,024$85,410,886
71$93,580,101$34,291,677$25,250,938$93,809,801
72$103,048,971$35,895,669$26,020,543$103,053,709
73$113,481,261$37,575,852$26,813,527$113,228,339
74$124,975,167$39,335,885$27,630,597$124,428,144
75$137,638,893$41,179,603$28,472,481$136,757,195
76$151,591,681$43,111,025$29,339,930$150,330,155
77$166,964,933$45,134,365$30,233,718$165,273,360
78$183,903,450$47,254,043$31,154,642$181,726,013
79$202,566,800$49,474,690$32,103,521$199,841,488
80$223,130,827$51,801,162$33,081,201$219,788,783
81$245,789,303$54,238,551$34,088,554$241,754,104
82$270,755,767$56,792,195$35,126,475$265,942,626
83$298,265,532$59,467,690$36,195,889$292,580,424
84$328,577,913$62,270,904$37,297,748$321,916,601
85$361,978,670$65,207,987$38,433,033$354,225,640
86$398,782,707$68,285,391$39,602,752$389,809,989
87$439,337,046$71,509,878$40,807,946$429,002,913
88$484,024,099$74,888,537$42,049,688$472,171,635
89$533,265,285$78,428,803$43,329,079$519,720,797
90$587,524,999$82,138,469$44,647,259$572,096,281
91$647,315,004$86,025,709$46,005,397$629,789,404
92$713,199,257$90,099,091$47,404,700$693,341,559
93$785,799,234$94,367,600$48,846,411$763,349,320
94$865,799,799$98,840,656$50,331,809$840,470,062
95$953,955,667$103,528,136$51,862,212$925,428,168
96$1,051,098,528$108,440,398$53,438,980$1,019,021,859
97$1,158,144,902$113,588,301$55,063,509$1,122,130,724
98$1,276,104,787$118,983,232$56,737,241$1,235,724,013
99$1,406,091,196$124,637,132$58,461,661$1,360,869,788
100$1,549,330,667$130,562,521$60,238,295$1,498,744,992