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%13.2%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,093,648
2 years$568,242$557,659$547,403$537,458$527,812$512,968
3 years$375,065$364,436$354,206$344,355$334,866$320,396
4 years$278,495$267,899$257,771$248,088$238,829$224,846
5 years$220,569$210,036$200,041$190,555$181,554$168,097
6 years$181,964$171,510$161,663$152,389$143,658$130,743
7 years$154,399$144,034$134,343$125,287$116,832$104,465
8 years$133,736$123,464$113,933$105,100$96,923$85,103
9 years$117,672$107,498$98,131$89,522$81,624$70,344
10 years$104,829$94,754$85,552$77,169$69,547$58,800
11 years$94,328$84,354$75,319$67,160$59,813$49,588
12 years$85,583$75,711$66,844$58,908$51,833$42,119
13 years$78,190$68,421$59,720$52,007$45,199$35,983
14 years$71,858$62,193$53,659$46,166$39,621$30,889
15 years$66,375$56,814$48,447$41,172$34,886$26,623
16 years$61,582$52,126$43,924$36,865$30,832$23,024
17 years$57,358$48,006$39,969$33,123$27,338$19,968
18 years$53,607$44,360$36,487$29,851$24,308$17,359
19 years$50,255$41,112$33,402$26,973$21,666$15,123
20 years$47,242$38,203$30,655$24,429$19,352$13,198
21 years$44,519$35,585$28,196$22,171$17,318$11,536
22 years$42,047$33,217$25,987$20,158$15,523$10,097
23 years$39,794$31,067$23,995$18,359$13,935$8,847
24 years$37,731$29,108$22,191$16,744$12,525$7,760
25 years$35,836$27,317$20,553$15,292$11,270$6,813
26 years$34,090$25,673$19,062$13,982$10,152$5,985
27 years$32,476$24,161$17,701$12,798$9,153$5,262
28 years$30,980$22,767$16,455$11,726$8,259$4,629
29 years$29,590$21,478$15,313$10,753$7,457$4,074
30 years$28,294$20,284$14,264$9,868$6,738$3,587
31 years$27,085$19,175$13,297$9,063$6,092$3,159
32 years$25,954$18,144$12,407$8,329$5,511$2,784
33 years$24,893$17,182$11,584$7,660$4,987$2,454
34 years$23,897$16,285$10,824$7,047$4,515$2,163
35 years$22,960$15,446$10,119$6,488$4,090$1,908
36 years$22,076$14,660$9,466$5,975$3,705$1,683
37 years$21,243$13,924$8,860$5,505$3,358$1,484
38 years$20,455$13,233$8,297$5,074$3,045$1,310
39 years$19,710$12,583$7,774$4,679$2,761$1,156
40 years$19,003$11,972$7,286$4,315$2,504$1,020
41 years$18,333$11,396$6,832$3,981$2,272$900
42 years$17,697$10,853$6,409$3,674$2,062$795
43 years$17,091$10,341$6,014$3,392$1,871$702
44 years$16,515$9,857$5,645$3,132$1,698$620
45 years$15,966$9,400$5,301$2,892$1,542$547
46 years$15,442$8,967$4,978$2,672$1,400$483
47 years$14,943$8,557$4,677$2,468$1,271$427
48 years$14,465$8,169$4,395$2,281$1,154$377
49 years$14,008$7,801$4,131$2,108$1,048$333
50 years$13,571$7,452$3,884$1,948$952$294

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 $5,388 every year, while hoping to spend $40,887 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: 66/17/17 Blend
51$13,900,000$13,900,000$13,900,000$13,900,000
52$15,323,358$14,586,658$14,371,208$16,270,720
53$16,842,837$15,257,900$14,809,140$17,576,504
54$18,515,932$15,960,664$15,260,372$18,998,094
55$20,358,270$16,696,449$15,725,307$20,551,078
56$22,387,068$17,466,830$16,204,360$22,248,331
57$24,621,300$18,273,455$16,697,956$24,104,023
58$27,081,872$19,118,053$17,206,537$26,133,744
59$29,791,822$20,002,437$17,730,555$28,354,655
60$32,776,536$20,928,505$18,270,477$30,785,639
61$36,063,988$21,898,248$18,826,784$33,447,482
62$39,685,005$22,913,751$19,399,971$36,363,063
63$43,673,553$23,977,203$19,990,548$39,557,568
64$48,067,065$25,090,895$20,599,040$43,058,723
65$52,906,787$26,257,231$21,225,990$46,897,051
66$58,238,173$27,478,729$21,871,954$51,106,159
67$64,111,310$28,758,029$22,537,508$55,723,047
68$70,581,390$30,097,900$23,223,241$60,788,458
69$77,709,238$31,501,242$23,929,765$66,347,252
70$85,561,874$32,971,098$24,657,707$72,448,829
71$94,213,158$34,510,654$25,407,713$79,147,591
72$103,744,478$36,123,254$26,180,449$86,503,447
73$114,245,522$37,812,401$26,976,601$94,582,373
74$125,815,125$39,581,768$27,796,877$103,457,033
75$138,562,198$41,435,205$28,642,003$113,207,456
76$152,606,762$43,376,750$29,512,730$123,921,787
77$168,081,075$45,410,634$30,409,830$135,697,110
78$185,130,884$47,541,294$31,334,098$148,640,361
79$203,916,797$49,773,380$32,286,353$162,869,328
80$224,615,804$52,111,770$33,267,439$178,513,757
81$247,422,944$54,561,574$34,278,226$195,716,567
82$272,553,146$57,128,154$35,319,609$214,635,195
83$300,243,261$59,817,127$36,392,510$235,443,071
84$330,754,292$62,634,385$37,497,878$258,331,247
85$364,373,865$65,586,105$38,636,691$283,510,190
86$401,418,937$68,678,762$39,809,959$311,211,763
87$442,238,793$71,919,145$41,018,717$341,691,401
88$487,218,340$75,314,374$42,264,034$375,230,513
89$536,781,744$78,871,912$43,547,013$412,139,127
90$591,396,430$82,599,584$44,868,786$452,758,805
91$651,577,497$86,505,594$46,230,521$497,465,859
92$717,892,580$90,598,546$47,633,421$546,674,886
93$790,967,207$94,887,459$49,078,725$600,842,672
94$871,490,708$99,381,791$50,567,709$660,472,491
95$960,222,720$104,091,457$52,101,686$726,118,842
96$1,058,000,355$109,026,856$53,682,010$798,392,667
97$1,165,746,108$114,198,890$55,310,075$877,967,103
98$1,284,476,565$119,618,989$56,987,316$965,583,824
99$1,415,311,996$125,299,140$58,715,212$1,062,060,023
100$1,559,486,933$131,251,912$60,495,285$1,168,296,111