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

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 $13,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,088,253
2 years$568,242$557,659$547,403$537,458$527,812$507,581
3 years$375,065$364,436$354,206$344,355$334,866$315,186
4 years$278,495$267,899$257,771$248,088$238,829$219,852
5 years$220,569$210,036$200,041$190,555$181,554$163,335
6 years$181,964$171,510$161,663$152,389$143,658$126,216
7 years$154,399$144,034$134,343$125,287$116,832$100,173
8 years$133,736$123,464$113,933$105,100$96,923$81,043
9 years$117,672$107,498$98,131$89,522$81,624$66,512
10 years$104,829$94,754$85,552$77,169$69,547$55,191
11 years$94,328$84,354$75,319$67,160$59,813$46,196
12 years$85,583$75,711$66,844$58,908$51,833$38,936
13 years$78,190$68,421$59,720$52,007$45,199$33,003
14 years$71,858$62,193$53,659$46,166$39,621$28,104
15 years$66,375$56,814$48,447$41,172$34,886$24,024
16 years$61,582$52,126$43,924$36,865$30,832$20,602
17 years$57,358$48,006$39,969$33,123$27,338$17,716
18 years$53,607$44,360$36,487$29,851$24,308$15,269
19 years$50,255$41,112$33,402$26,973$21,666$13,185
20 years$47,242$38,203$30,655$24,429$19,352$11,405
21 years$44,519$35,585$28,196$22,171$17,318$9,879
22 years$42,047$33,217$25,987$20,158$15,523$8,567
23 years$39,794$31,067$23,995$18,359$13,935$7,438
24 years$37,731$29,108$22,191$16,744$12,525$6,463
25 years$35,836$27,317$20,553$15,292$11,270$5,620
26 years$34,090$25,673$19,062$13,982$10,152$4,891
27 years$32,476$24,161$17,701$12,798$9,153$4,258
28 years$30,980$22,767$16,455$11,726$8,259$3,710
29 years$29,590$21,478$15,313$10,753$7,457$3,233
30 years$28,294$20,284$14,264$9,868$6,738$2,819
31 years$27,085$19,175$13,297$9,063$6,092$2,458
32 years$25,954$18,144$12,407$8,329$5,511$2,145
33 years$24,893$17,182$11,584$7,660$4,987$1,871
34 years$23,897$16,285$10,824$7,047$4,515$1,633
35 years$22,960$15,446$10,119$6,488$4,090$1,426
36 years$22,076$14,660$9,466$5,975$3,705$1,245
37 years$21,243$13,924$8,860$5,505$3,358$1,087
38 years$20,455$13,233$8,297$5,074$3,045$950
39 years$19,710$12,583$7,774$4,679$2,761$829
40 years$19,003$11,972$7,286$4,315$2,504$725
41 years$18,333$11,396$6,832$3,981$2,272$633
42 years$17,697$10,853$6,409$3,674$2,062$553
43 years$17,091$10,341$6,014$3,392$1,871$483
44 years$16,515$9,857$5,645$3,132$1,698$422
45 years$15,966$9,400$5,301$2,892$1,542$369
46 years$15,442$8,967$4,978$2,672$1,400$322
47 years$14,943$8,557$4,677$2,468$1,271$282
48 years$14,465$8,169$4,395$2,281$1,154$246
49 years$14,008$7,801$4,131$2,108$1,048$215
50 years$13,571$7,452$3,884$1,948$952$188

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 $6,378 every year, while hoping to spend $31,910 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: 25/49/26 Blend
51$13,900,000$13,900,000$13,900,000$13,900,000
52$15,324,379$14,587,679$14,372,229$15,581,658
53$16,853,514$15,268,523$14,819,747$16,475,507
54$18,537,550$15,981,659$15,281,187$17,430,074
55$20,392,256$16,728,636$15,756,982$18,452,914
56$22,435,003$17,511,077$16,247,578$19,549,768
57$24,684,937$18,330,683$16,753,436$20,726,908
58$27,163,154$19,189,239$17,275,029$21,991,191
59$29,892,900$20,088,616$17,812,846$23,350,114
60$32,899,791$21,030,774$18,367,392$24,811,879
61$36,212,057$22,017,769$18,939,187$26,385,457
62$39,860,803$23,051,756$19,528,766$28,080,672
63$43,880,308$24,134,995$20,136,682$29,908,277
64$48,308,343$25,269,853$20,763,505$31,880,048
65$53,186,534$26,458,816$21,409,822$34,008,887
66$58,560,748$27,704,486$22,076,239$36,308,934
67$64,481,532$29,009,593$22,763,381$38,795,683
68$71,004,585$30,377,000$23,471,891$41,486,124
69$78,191,286$31,809,707$24,202,433$44,398,889
70$86,109,274$33,310,859$24,955,691$47,554,413
71$94,833,085$34,883,756$25,732,372$50,975,115
72$104,444,856$36,531,856$26,533,202$54,685,597
73$115,035,099$38,258,785$27,358,932$58,712,862
74$126,703,559$40,068,345$28,210,336$63,086,551
75$139,560,150$41,964,522$29,088,210$67,839,209
76$153,725,997$43,951,495$29,993,377$73,006,575
77$169,334,578$46,033,648$30,926,685$78,627,902
78$186,532,983$48,215,575$31,889,007$84,746,312
79$205,483,304$50,502,094$32,881,244$91,409,178
80$226,364,161$52,898,257$33,904,327$98,668,558
81$249,372,395$55,409,362$34,959,211$106,581,661
82$274,724,921$58,040,961$36,046,886$115,211,368
83$302,660,775$60,798,881$37,168,369$124,626,800
84$333,443,374$63,689,226$38,324,709$134,903,951
85$367,363,001$66,718,401$39,516,990$146,126,375
86$404,739,545$69,893,121$40,746,327$158,385,954
87$445,925,520$73,220,425$42,013,871$171,783,733
88$491,309,395$76,707,698$43,320,807$186,430,849
89$541,319,258$80,362,680$44,668,359$202,449,549
90$596,426,861$84,193,490$46,057,788$219,974,311
91$657,152,071$88,208,640$47,490,393$239,153,086
92$724,067,776$92,417,058$48,967,515$260,148,651
93$797,805,298$96,828,102$50,490,536$283,140,119
94$879,060,350$101,451,591$52,060,880$308,324,587
95$968,599,602$106,297,816$53,680,017$335,918,960
96$1,067,267,924$111,377,571$55,349,460$366,161,953
97$1,175,996,356$116,702,176$57,070,771$399,316,306
98$1,295,810,903$122,283,501$58,845,559$435,671,217
99$1,427,842,215$128,133,992$60,675,486$475,545,025
100$1,573,336,266$134,266,703$62,562,260$519,288,166