Can I retire at age 57 with 13,600,000?

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 $13,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,079,006
2 years$555,978$545,623$535,588$525,858$516,421$510,893
3 years$366,970$356,571$346,561$336,922$327,638$322,231
4 years$272,485$262,117$252,208$242,734$233,674$228,430
5 years$215,808$205,503$195,723$186,443$177,636$172,569
6 years$178,036$167,809$158,174$149,100$140,557$135,674
7 years$151,067$140,926$131,443$122,583$114,310$109,614
8 years$130,849$120,799$111,474$102,832$94,832$90,323
9 years$115,133$105,177$96,013$87,590$79,862$75,539
10 years$102,567$92,709$83,706$75,503$68,046$63,907
11 years$92,292$82,533$73,693$65,711$58,522$54,564
12 years$83,736$74,077$65,401$57,637$50,714$46,934
13 years$76,502$66,944$58,431$50,885$44,224$40,618
14 years$70,307$60,850$52,501$45,170$38,766$35,331
15 years$64,942$55,588$47,401$40,284$34,133$30,864
16 years$60,253$51,001$42,976$36,070$30,167$27,059
17 years$56,120$46,970$39,107$32,408$26,748$23,797
18 years$52,450$43,402$35,699$29,206$23,783$20,984
19 years$49,170$40,225$32,681$26,390$21,198$18,546
20 years$46,222$37,379$29,993$23,902$18,935$16,424
21 years$43,558$34,817$27,588$21,692$16,944$14,571
22 years$41,140$32,500$25,426$19,723$15,188$12,946
23 years$38,935$30,397$23,477$17,962$13,634$11,518
24 years$36,917$28,480$21,712$16,383$12,254$10,259
25 years$35,063$26,727$20,110$14,962$11,027$9,148
26 years$33,354$25,119$18,651$13,680$9,933$8,164
27 years$31,775$23,640$17,319$12,522$8,955$7,292
28 years$30,311$22,276$16,100$11,473$8,080$6,518
29 years$28,951$21,015$14,983$10,521$7,296$5,830
30 years$27,684$19,846$13,956$9,655$6,593$5,217
31 years$26,500$18,761$13,010$8,868$5,961$4,672
32 years$25,393$17,752$12,139$8,150$5,392$4,185
33 years$24,356$16,811$11,334$7,494$4,880$3,750
34 years$23,381$15,933$10,590$6,895$4,418$3,362
35 years$22,464$15,113$9,901$6,348$4,001$3,015
36 years$21,600$14,344$9,262$5,846$3,625$2,704
37 years$20,785$13,624$8,669$5,386$3,286$2,427
38 years$20,014$12,947$8,118$4,965$2,979$2,178
39 years$19,284$12,311$7,606$4,578$2,701$1,955
40 years$18,593$11,713$7,129$4,222$2,450$1,755
41 years$17,938$11,150$6,685$3,896$2,223$1,576
42 years$17,315$10,619$6,271$3,595$2,017$1,415
43 years$16,723$10,118$5,884$3,319$1,831$1,271
44 years$16,159$9,644$5,523$3,064$1,662$1,142
45 years$15,622$9,197$5,186$2,830$1,509$1,026
46 years$15,109$8,773$4,871$2,614$1,370$922
47 years$14,620$8,372$4,576$2,415$1,244$828
48 years$14,153$7,993$4,300$2,232$1,129$745
49 years$13,706$7,632$4,042$2,062$1,026$669
50 years$13,278$7,291$3,800$1,906$932$601

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 57 starting with $13,600,000, adding $5,779 every year, while hoping to spend $31,453 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: 52/35/13 Blend
56$13,600,000$13,600,000$13,600,000$13,600,000
57$14,993,161$14,272,361$14,061,561$15,720,575
58$16,488,998$14,938,241$14,499,158$16,883,959
59$18,136,356$15,635,695$14,950,359$18,144,731
60$19,950,657$16,366,237$15,415,589$19,515,204
61$21,948,895$17,131,453$15,895,283$21,005,756
62$24,149,796$17,933,009$16,389,889$22,627,791
63$26,573,996$18,772,647$16,899,871$24,393,835
64$29,244,233$19,652,196$17,425,706$26,317,655
65$32,185,565$20,573,574$17,967,887$28,414,379
66$35,425,603$21,538,789$18,526,921$30,700,635
67$38,994,773$22,549,949$19,103,332$33,194,705
68$42,926,606$23,609,262$19,697,660$35,916,683
69$47,258,047$24,719,044$20,310,459$38,888,669
70$52,029,814$25,881,722$20,942,305$42,134,962
71$57,286,770$27,099,842$21,593,788$45,682,285
72$63,078,359$28,376,073$22,265,518$49,560,033
73$69,459,063$29,713,211$22,958,124$53,800,538
74$76,488,919$31,114,191$23,672,253$58,439,368
75$84,234,090$32,582,087$24,408,574$63,515,657
76$92,767,481$34,120,124$25,167,776$69,072,457
77$102,169,437$35,731,682$25,950,569$75,157,147
78$112,528,492$37,420,307$26,757,685$81,821,860
79$123,942,210$39,189,714$27,589,880$89,123,970
80$136,518,105$41,043,800$28,447,931$97,126,623
81$150,374,656$42,986,650$29,332,641$105,899,320
82$165,642,424$45,022,549$30,244,837$115,518,560
83$182,465,285$47,155,988$31,185,373$126,068,556
84$201,001,790$49,391,676$32,155,128$137,642,009
85$221,426,656$51,734,552$33,155,009$150,340,977
86$243,932,423$54,189,794$34,185,950$164,277,817
87$268,731,267$56,762,830$35,248,916$179,576,239
88$296,057,001$59,459,354$36,344,899$196,372,450
89$326,167,287$62,285,334$37,474,926$214,816,431
90$359,346,066$65,247,031$38,640,051$235,073,331
91$395,906,235$68,351,006$39,841,363$257,325,010
92$436,192,609$71,604,143$41,079,986$281,771,736
93$480,585,166$75,013,657$42,357,077$308,634,059
94$529,502,643$78,587,116$43,673,829$338,154,871
95$583,406,483$82,332,456$45,031,473$370,601,675
96$642,805,194$86,257,995$46,431,277$406,269,092
97$708,259,148$90,372,461$47,874,549$445,481,618
98$780,385,871$94,685,002$49,362,636$488,596,661
99$859,865,875$99,205,212$50,896,930$536,007,889
100$947,449,080$103,943,154$52,478,863$588,148,925