Can I retire at age 52 with 10,000,000?

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 $10,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$825,791$818,435$811,258$804,254$797,414$776,248
2 years$408,807$401,194$393,815$386,660$379,721$358,544
3 years$269,831$262,184$254,824$247,737$240,911$220,386
4 years$200,356$192,733$185,447$178,481$171,819$152,104
5 years$158,683$151,105$143,914$137,090$130,614$111,763
6 years$130,909$123,389$116,304$109,632$103,351$85,382
7 years$111,079$103,622$96,649$90,135$84,052$66,967
8 years$96,213$88,823$81,966$75,612$69,729$53,519
9 years$84,656$77,336$70,598$64,404$58,722$43,372
10 years$75,417$68,168$61,549$55,517$50,034$35,526
11 years$67,862$60,686$54,186$48,317$43,031$29,341
12 years$61,571$54,469$48,089$42,380$37,290$24,394
13 years$56,251$49,224$42,964$37,415$32,517$20,389
14 years$51,696$44,743$38,604$33,213$28,505$17,116
15 years$47,752$40,874$34,854$29,620$25,098$14,419
16 years$44,304$37,501$31,600$26,522$22,181$12,182
17 years$41,265$34,537$28,755$23,830$19,668$10,318
18 years$38,566$31,914$26,250$21,475$17,487$8,757
19 years$36,155$29,577$24,030$19,405$15,587$7,444
20 years$33,987$27,484$22,054$17,575$13,923$6,338
21 years$32,028$25,601$20,285$15,950$12,459$5,402
22 years$30,250$23,897$18,696$14,502$11,168$4,610
23 years$28,629$22,351$17,262$13,208$10,025$3,937
24 years$27,145$20,941$15,965$12,046$9,011$3,365
25 years$25,782$19,652$14,787$11,001$8,108$2,877
26 years$24,525$18,470$13,714$10,059$7,304$2,462
27 years$23,364$17,382$12,734$9,207$6,585$2,108
28 years$22,288$16,379$11,838$8,436$5,942$1,805
29 years$21,288$15,452$11,017$7,736$5,365$1,546
30 years$20,356$14,593$10,262$7,099$4,848$1,325
31 years$19,486$13,795$9,567$6,520$4,383$1,136
32 years$18,672$13,053$8,926$5,992$3,965$974
33 years$17,909$12,361$8,334$5,510$3,588$835
34 years$17,192$11,716$7,787$5,070$3,248$716
35 years$16,518$11,112$7,280$4,667$2,942$614
36 years$15,882$10,547$6,810$4,298$2,666$527
37 years$15,283$10,017$6,374$3,960$2,416$452
38 years$14,716$9,520$5,969$3,650$2,190$388
39 years$14,180$9,053$5,593$3,366$1,986$333
40 years$13,672$8,613$5,242$3,105$1,802$285
41 years$13,189$8,199$4,915$2,864$1,635$245
42 years$12,731$7,808$4,611$2,643$1,483$210
43 years$12,296$7,439$4,327$2,440$1,346$180
44 years$11,881$7,091$4,061$2,253$1,222$155
45 years$11,486$6,762$3,813$2,081$1,109$133
46 years$11,110$6,451$3,582$1,922$1,007$114
47 years$10,750$6,156$3,365$1,776$914$98
48 years$10,406$5,877$3,162$1,641$830$84
49 years$10,078$5,612$2,972$1,516$754$72
50 years$9,763$5,361$2,794$1,402$685$62

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $10,000,000, adding $3,581 every year, while hoping to spend $47,151 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: 72/17/11 Blend
51$10,000,000$10,000,000$10,000,000$10,000,000
52$11,023,694$10,493,694$10,338,694$11,793,019
53$12,097,942$10,957,716$10,634,872$12,766,393
54$13,280,184$11,442,896$10,939,391$13,825,708
55$14,581,384$11,950,219$11,252,482$14,984,336
56$16,013,625$12,480,720$11,574,380$16,252,076
57$17,590,220$13,035,481$11,905,328$17,639,712
58$19,325,839$13,615,636$12,245,573$19,159,114
59$21,236,646$14,222,373$12,595,370$20,823,349
60$23,340,451$14,856,937$12,954,983$22,646,799
61$25,656,881$15,520,631$13,324,679$24,645,300
62$28,207,562$16,214,820$13,704,734$26,836,287
63$31,016,323$16,940,936$14,095,433$29,238,954
64$34,109,423$17,700,477$14,497,064$31,874,435
65$37,515,796$18,495,012$14,909,928$34,766,004
66$41,267,326$19,326,187$15,334,330$37,939,285
67$45,399,147$20,195,724$15,770,584$41,422,500
68$49,949,975$21,105,429$16,219,013$45,246,724
69$54,962,470$22,057,193$16,679,948$49,446,183
70$60,483,645$23,052,998$17,153,729$54,058,569
71$66,565,302$24,094,920$17,640,704$59,125,396
72$73,264,526$25,185,135$18,141,230$64,692,384
73$80,644,222$26,325,921$18,655,676$70,809,895
74$88,773,708$27,519,667$19,184,417$77,533,397
75$97,729,372$28,768,876$19,727,840$84,923,988
76$107,595,386$30,076,169$20,286,341$93,048,968
77$118,464,509$31,444,295$20,860,327$101,982,472
78$130,438,956$32,876,132$21,450,215$111,806,162
79$143,631,365$34,374,698$22,056,433$122,609,997
80$158,165,860$35,943,154$22,679,419$134,493,077
81$174,179,222$37,584,813$23,319,625$147,564,570
82$191,822,182$39,303,148$23,977,511$161,944,744
83$211,260,839$41,101,797$24,653,552$177,766,093
84$232,678,232$42,984,572$25,348,233$195,174,582
85$256,276,066$44,955,471$26,062,053$214,331,021
86$282,276,615$47,018,679$26,795,523$235,412,578
87$310,924,823$49,178,588$27,549,166$258,614,442
88$342,490,612$51,439,795$28,323,520$284,151,663
89$377,271,432$53,807,123$29,119,136$312,261,172
90$415,595,069$56,285,624$29,936,578$343,204,013
91$457,822,739$58,880,592$30,776,426$377,267,800
92$504,352,496$61,597,578$31,639,274$414,769,422
93$555,622,991$64,442,400$32,525,730$456,058,030
94$612,117,612$67,421,154$33,436,418$501,518,322
95$674,369,049$70,540,230$34,371,978$551,574,167
96$742,964,319$73,806,328$35,333,066$606,692,599
97$818,550,309$77,226,468$36,320,354$667,388,213
98$901,839,884$80,808,009$37,334,529$734,228,016
99$993,618,616$84,558,665$38,376,300$807,836,766
100$1,094,752,197$88,486,522$39,446,388$888,902,865