Can I retire at age 52 with 13,900,000?

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 $13,900,000?

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$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,082,050
2 years$568,242$557,659$547,403$537,458$527,812$501,413
3 years$375,065$364,436$354,206$344,355$334,866$309,249
4 years$278,495$267,899$257,771$248,088$238,829$214,191
5 years$220,569$210,036$200,041$190,555$181,554$157,964
6 years$181,964$171,510$161,663$152,389$143,658$121,139
7 years$154,399$144,034$134,343$125,287$116,832$95,389
8 years$133,736$123,464$113,933$105,100$96,923$76,546
9 years$117,672$107,498$98,131$89,522$81,624$62,297
10 years$104,829$94,754$85,552$77,169$69,547$51,249
11 years$94,328$84,354$75,319$67,160$59,813$42,517
12 years$85,583$75,711$66,844$58,908$51,833$35,511
13 years$78,190$68,421$59,720$52,007$45,199$29,821
14 years$71,858$62,193$53,659$46,166$39,621$25,153
15 years$66,375$56,814$48,447$41,172$34,886$21,294
16 years$61,582$52,126$43,924$36,865$30,832$18,081
17 years$57,358$48,006$39,969$33,123$27,338$15,392
18 years$53,607$44,360$36,487$29,851$24,308$13,131
19 years$50,255$41,112$33,402$26,973$21,666$11,221
20 years$47,242$38,203$30,655$24,429$19,352$9,604
21 years$44,519$35,585$28,196$22,171$17,318$8,231
22 years$42,047$33,217$25,987$20,158$15,523$7,061
23 years$39,794$31,067$23,995$18,359$13,935$6,064
24 years$37,731$29,108$22,191$16,744$12,525$5,211
25 years$35,836$27,317$20,553$15,292$11,270$4,482
26 years$34,090$25,673$19,062$13,982$10,152$3,856
27 years$32,476$24,161$17,701$12,798$9,153$3,320
28 years$30,980$22,767$16,455$11,726$8,259$2,859
29 years$29,590$21,478$15,313$10,753$7,457$2,464
30 years$28,294$20,284$14,264$9,868$6,738$2,123
31 years$27,085$19,175$13,297$9,063$6,092$1,830
32 years$25,954$18,144$12,407$8,329$5,511$1,578
33 years$24,893$17,182$11,584$7,660$4,987$1,361
34 years$23,897$16,285$10,824$7,047$4,515$1,174
35 years$22,960$15,446$10,119$6,488$4,090$1,013
36 years$22,076$14,660$9,466$5,975$3,705$874
37 years$21,243$13,924$8,860$5,505$3,358$754
38 years$20,455$13,233$8,297$5,074$3,045$651
39 years$19,710$12,583$7,774$4,679$2,761$562
40 years$19,003$11,972$7,286$4,315$2,504$485
41 years$18,333$11,396$6,832$3,981$2,272$419
42 years$17,697$10,853$6,409$3,674$2,062$361
43 years$17,091$10,341$6,014$3,392$1,871$312
44 years$16,515$9,857$5,645$3,132$1,698$269
45 years$15,966$9,400$5,301$2,892$1,542$233
46 years$15,442$8,967$4,978$2,672$1,400$201
47 years$14,943$8,557$4,677$2,468$1,271$173
48 years$14,465$8,169$4,395$2,281$1,154$150
49 years$14,008$7,801$4,131$2,108$1,048$129
50 years$13,571$7,452$3,884$1,948$952$112

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $13,900,000, adding $6,326 every year, while hoping to spend $50,360 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: 60/32/8 Blend
51$13,900,000$13,900,000$13,900,000$13,900,000
52$15,324,325$14,587,625$14,372,175$16,216,990
53$16,833,824$15,248,836$14,800,060$17,477,186
54$18,495,603$15,940,759$15,240,592$18,844,776
55$20,325,143$16,664,844$15,694,140$20,335,167
56$22,339,501$17,422,614$16,161,087$21,960,178
57$24,557,470$18,215,663$16,641,823$23,732,805
58$26,999,761$19,045,660$17,136,754$25,667,334
59$29,689,195$19,914,355$17,646,293$27,779,477
60$32,650,918$20,823,584$18,170,870$30,086,512
61$35,912,640$21,775,268$18,710,922$32,607,442
62$39,504,895$22,771,421$19,266,903$35,363,170
63$43,461,328$23,814,155$19,839,278$38,376,690
64$47,819,016$24,905,680$20,428,526$41,673,299
65$52,618,813$26,048,317$21,035,140$45,280,829
66$57,905,741$27,244,494$21,659,626$49,229,906
67$63,729,410$28,496,757$22,302,507$53,554,230
68$70,144,488$29,807,776$22,964,319$58,290,888
69$77,211,216$31,180,347$23,645,613$63,480,696
70$84,995,977$32,617,402$24,346,959$69,168,579
71$93,571,925$34,122,012$25,068,940$75,403,984
72$103,019,670$35,697,399$25,812,158$82,241,343
73$113,428,042$37,346,938$26,577,231$89,740,574
74$124,894,929$39,074,165$27,364,796$97,967,641
75$137,528,202$40,882,789$28,175,506$106,995,167
76$151,446,729$42,776,696$29,010,036$116,903,108
77$166,781,502$44,759,960$29,869,078$127,779,502
78$183,676,868$46,836,851$30,753,346$139,721,282
79$202,291,897$49,011,845$31,663,571$152,835,190
80$222,801,878$51,289,633$32,600,508$167,238,765
81$245,399,978$53,675,133$33,564,933$183,061,442
82$270,299,061$56,173,501$34,557,645$200,445,765
83$297,733,703$58,790,140$35,579,463$219,548,718
84$327,962,398$61,530,714$36,631,232$240,543,187
85$361,270,005$64,401,162$37,713,821$263,619,589
86$397,970,435$67,407,708$38,828,124$288,987,643
87$438,409,612$70,556,878$39,975,058$316,878,343
88$482,968,739$73,855,512$41,155,570$347,546,114
89$532,067,900$77,310,782$42,370,631$381,271,203
90$586,170,021$80,930,205$43,621,242$418,362,304
91$645,785,241$84,721,663$44,908,431$459,159,451
92$711,475,728$88,693,417$46,233,256$504,037,213
93$783,860,987$92,854,129$47,596,805$553,408,202
94$863,623,707$97,212,880$49,000,197$607,726,955
95$951,516,204$101,779,191$50,444,583$667,494,194
96$1,048,367,527$106,563,042$51,931,147$733,261,535
97$1,155,091,280$111,574,896$53,461,106$805,636,666
98$1,272,694,250$116,825,724$55,035,711$885,289,062
99$1,402,285,907$122,327,029$56,656,252$972,956,272
100$1,545,088,884$128,090,867$58,324,051$1,069,450,858