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%11.4%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,101,882
2 years$568,242$557,659$547,403$537,458$527,812$521,231
3 years$375,065$364,436$354,206$344,355$334,866$328,430
4 years$278,495$267,899$257,771$248,088$238,829$232,589
5 years$220,569$210,036$200,041$190,555$181,554$175,528
6 years$181,964$171,510$161,663$152,389$143,658$137,853
7 years$154,399$144,034$134,343$125,287$116,832$111,252
8 years$133,736$123,464$113,933$105,100$96,923$91,568
9 years$117,672$107,498$98,131$89,522$81,624$76,491
10 years$104,829$94,754$85,552$77,169$69,547$64,636
11 years$94,328$84,354$75,319$67,160$59,813$55,119
12 years$85,583$75,711$66,844$58,908$51,833$47,352
13 years$78,190$68,421$59,720$52,007$45,199$40,928
14 years$71,858$62,193$53,659$46,166$39,621$35,554
15 years$66,375$56,814$48,447$41,172$34,886$31,017
16 years$61,582$52,126$43,924$36,865$30,832$27,157
17 years$57,358$48,006$39,969$33,123$27,338$23,850
18 years$53,607$44,360$36,487$29,851$24,308$21,001
19 years$50,255$41,112$33,402$26,973$21,666$18,535
20 years$47,242$38,203$30,655$24,429$19,352$16,391
21 years$44,519$35,585$28,196$22,171$17,318$14,520
22 years$42,047$33,217$25,987$20,158$15,523$12,881
23 years$39,794$31,067$23,995$18,359$13,935$11,443
24 years$37,731$29,108$22,191$16,744$12,525$10,177
25 years$35,836$27,317$20,553$15,292$11,270$9,061
26 years$34,090$25,673$19,062$13,982$10,152$8,074
27 years$32,476$24,161$17,701$12,798$9,153$7,200
28 years$30,980$22,767$16,455$11,726$8,259$6,426
29 years$29,590$21,478$15,313$10,753$7,457$5,738
30 years$28,294$20,284$14,264$9,868$6,738$5,127
31 years$27,085$19,175$13,297$9,063$6,092$4,583
32 years$25,954$18,144$12,407$8,329$5,511$4,099
33 years$24,893$17,182$11,584$7,660$4,987$3,667
34 years$23,897$16,285$10,824$7,047$4,515$3,282
35 years$22,960$15,446$10,119$6,488$4,090$2,938
36 years$22,076$14,660$9,466$5,975$3,705$2,631
37 years$21,243$13,924$8,860$5,505$3,358$2,357
38 years$20,455$13,233$8,297$5,074$3,045$2,112
39 years$19,710$12,583$7,774$4,679$2,761$1,892
40 years$19,003$11,972$7,286$4,315$2,504$1,696
41 years$18,333$11,396$6,832$3,981$2,272$1,520
42 years$17,697$10,853$6,409$3,674$2,062$1,363
43 years$17,091$10,341$6,014$3,392$1,871$1,222
44 years$16,515$9,857$5,645$3,132$1,698$1,096
45 years$15,966$9,400$5,301$2,892$1,542$983
46 years$15,442$8,967$4,978$2,672$1,400$882
47 years$14,943$8,557$4,677$2,468$1,271$791
48 years$14,465$8,169$4,395$2,281$1,154$710
49 years$14,008$7,801$4,131$2,108$1,048$637
50 years$13,571$7,452$3,884$1,948$952$571

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 $2,227 every year, while hoping to spend $42,451 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: 47/24/29 Blend
51$13,900,000$13,900,000$13,900,000$13,900,000
52$15,320,097$14,583,397$14,367,947$15,912,537
53$16,837,580$15,252,816$14,804,106$17,001,053
54$18,508,422$15,953,614$15,253,453$18,177,657
55$20,348,223$16,687,283$15,716,386$19,454,122
56$22,374,171$17,455,388$16,193,313$20,839,866
57$24,605,203$18,259,569$16,684,656$22,345,239
58$27,062,189$19,101,544$17,190,848$23,981,611
59$29,768,127$19,983,114$17,712,336$25,761,482
60$32,748,357$20,906,167$18,249,580$27,698,589
61$36,030,803$21,872,683$18,803,054$29,808,036
62$39,646,234$22,884,734$19,373,246$32,106,428
63$43,628,559$23,944,495$19,960,659$34,612,026
64$48,015,141$25,054,244$20,565,809$37,344,910
65$52,847,153$26,216,369$21,189,231$40,327,167
66$58,169,965$27,433,374$21,831,474$43,583,090
67$64,033,576$28,707,883$22,493,102$47,139,407
68$70,493,078$30,042,647$23,174,698$51,025,519
69$77,609,184$31,440,549$23,876,863$55,273,777
70$85,448,795$32,904,611$24,600,213$59,919,779
71$94,085,637$34,438,001$25,345,384$65,002,697
72$103,600,950$36,044,041$26,113,032$70,565,643
73$114,084,260$37,726,212$26,903,832$76,656,065
74$125,634,222$39,488,164$27,718,478$83,326,187
75$138,359,551$41,333,723$28,557,686$90,633,494
76$152,380,050$43,266,899$29,422,192$98,641,268
77$167,827,735$45,291,898$30,312,756$107,419,173
78$184,848,089$47,413,126$31,230,159$117,043,903
79$203,601,430$49,635,205$32,175,205$127,599,898
80$224,264,425$51,962,979$33,148,723$139,180,129
81$247,031,759$54,401,527$34,151,568$151,886,966
82$272,117,970$56,956,174$35,184,617$165,833,132
83$299,759,477$59,632,501$36,248,776$181,142,753
84$330,216,810$62,436,360$37,344,976$197,952,522
85$363,777,070$65,373,887$38,474,178$216,412,972
86$400,756,638$68,451,514$39,637,370$236,689,886
87$441,504,163$71,675,986$40,835,570$258,965,845
88$486,403,851$75,054,373$42,069,825$283,441,941
89$535,879,095$78,594,088$43,341,215$310,339,654
90$590,396,468$82,302,904$44,650,852$339,902,933
91$650,470,131$86,188,970$45,999,878$372,400,477
92$716,666,685$90,260,829$47,389,474$408,128,255
93$789,610,517$94,527,440$48,820,852$447,412,282
94$869,989,701$98,998,196$50,295,262$490,611,678
95$958,562,488$103,682,945$51,813,990$538,122,037
96$1,056,164,464$108,592,012$53,378,362$590,379,141
97$1,163,716,444$113,736,225$54,989,741$647,863,049
98$1,282,233,156$119,126,935$56,649,532$711,102,611
99$1,412,832,828$124,776,045$58,359,182$780,680,432
100$1,556,747,741$130,696,036$60,120,180$857,238,348