Can I retire at age 52 with 10,300,000?

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 $10,300,000?

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$850,564$842,988$835,596$828,381$821,336$817,188
2 years$421,071$413,229$405,629$398,260$391,113$386,926
3 years$277,926$270,050$262,469$255,169$248,138$244,043
4 years$206,367$198,515$191,010$183,835$176,974$173,002
5 years$163,443$155,638$148,232$141,203$134,533$130,695
6 years$134,836$127,090$119,793$112,921$106,451$102,753
7 years$114,411$106,730$99,549$92,839$86,573$83,017
8 years$99,099$91,488$84,425$77,880$71,821$68,406
9 years$87,196$79,656$72,715$66,337$60,484$57,210
10 years$77,679$70,213$63,395$57,183$51,535$48,400
11 years$69,898$62,507$55,812$49,766$44,322$41,324
12 years$63,418$56,103$49,532$43,652$38,408$35,546
13 years$57,939$50,700$44,253$38,538$33,493$30,762
14 years$53,247$46,085$39,762$34,210$29,360$26,758
15 years$49,184$42,100$35,900$30,509$25,851$23,375
16 years$45,633$38,626$32,548$27,317$22,847$20,493
17 years$42,503$35,573$29,618$24,544$20,258$18,023
18 years$39,723$32,871$27,037$22,120$18,012$15,892
19 years$37,239$30,464$24,751$19,987$16,055$14,046
20 years$35,006$28,309$22,715$18,102$14,340$12,439
21 years$32,989$26,369$20,894$16,429$12,833$11,035
22 years$31,157$24,614$19,257$14,937$11,503$9,805
23 years$29,487$23,021$17,780$13,604$10,326$8,723
24 years$27,959$21,569$16,444$12,407$9,281$7,770
25 years$26,555$20,242$15,230$11,331$8,351$6,928
26 years$25,261$19,024$14,125$10,361$7,523$6,183
27 years$24,065$17,904$13,116$9,483$6,782$5,523
28 years$22,956$16,871$12,193$8,689$6,120$4,937
29 years$21,926$15,916$11,347$7,968$5,526$4,415
30 years$20,966$15,031$10,569$7,312$4,993$3,951
31 years$20,070$14,209$9,854$6,716$4,514$3,538
32 years$19,232$13,444$9,194$6,172$4,083$3,169
33 years$18,446$12,732$8,584$5,676$3,696$2,840
34 years$17,708$12,067$8,020$5,222$3,346$2,546
35 years$17,013$11,446$7,499$4,807$3,030$2,283
36 years$16,359$10,863$7,015$4,427$2,746$2,048
37 years$15,741$10,318$6,566$4,079$2,489$1,838
38 years$15,158$9,806$6,148$3,760$2,256$1,649
39 years$14,605$9,324$5,760$3,467$2,046$1,481
40 years$14,082$8,871$5,399$3,198$1,856$1,329
41 years$13,585$8,445$5,063$2,950$1,684$1,194
42 years$13,113$8,042$4,749$2,723$1,528$1,072
43 years$12,665$7,663$4,456$2,513$1,386$963
44 years$12,238$7,304$4,183$2,321$1,258$865
45 years$11,831$6,965$3,928$2,143$1,142$777
46 years$11,443$6,644$3,689$1,980$1,037$698
47 years$11,073$6,341$3,466$1,829$942$627
48 years$10,719$6,053$3,257$1,690$855$564
49 years$10,380$5,780$3,061$1,562$777$507
50 years$10,056$5,522$2,878$1,444$706$455

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $10,300,000, adding $2,517 every year, while hoping to spend $39,303 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: 55/23/22 Blend
51$10,300,000$10,300,000$10,300,000$10,300,000
52$11,353,196$10,807,296$10,647,646$11,909,410
53$12,469,404$11,295,036$10,962,524$12,778,534
54$13,698,148$11,805,357$11,286,634$13,720,192
55$15,050,865$12,339,325$11,620,242$14,744,858
56$16,540,158$12,898,057$11,963,624$15,860,503
57$18,179,912$13,482,720$12,317,064$17,075,890
58$19,985,431$14,094,541$12,680,853$18,400,655
59$21,973,574$14,734,802$13,055,291$19,845,395
60$24,162,921$15,404,850$13,440,685$21,421,766
61$26,573,944$16,106,094$13,837,354$23,142,590
62$29,229,204$16,840,010$14,245,623$25,021,969
63$32,153,559$17,608,146$14,665,828$27,075,421
64$35,374,402$18,412,125$15,098,313$29,320,018
65$38,921,918$19,253,647$15,543,433$31,774,547
66$42,829,370$20,134,491$16,001,554$34,459,681
67$47,133,410$21,056,526$16,473,051$37,398,170
68$51,874,429$22,021,706$16,958,309$40,615,056
69$57,096,934$23,032,083$17,457,726$44,137,899
70$62,849,971$24,089,805$17,971,709$47,997,038
71$69,187,586$25,197,124$18,500,680$52,225,868
72$76,169,336$26,356,399$19,045,068$56,861,154
73$83,860,849$27,570,104$19,605,319$61,943,373
74$92,334,448$28,840,831$20,181,890$67,517,087
75$101,669,827$30,171,297$20,775,248$73,631,363
76$111,954,809$31,564,350$21,385,878$80,340,226
77$123,286,170$33,022,974$22,014,276$87,703,166
78$135,770,558$34,550,298$22,660,953$95,785,693
79$149,525,492$36,149,600$23,326,432$104,659,946
80$164,680,480$37,824,318$24,011,255$114,405,372
81$181,378,233$39,578,054$24,715,976$125,109,464
82$199,776,018$41,414,583$25,441,167$136,868,582
83$220,047,139$43,337,865$26,187,413$149,788,854
84$242,382,574$45,352,047$26,955,318$163,987,172
85$266,992,778$47,461,479$27,745,503$179,592,281
86$294,109,670$49,670,720$28,558,605$196,745,993
87$323,988,818$51,984,547$29,395,281$215,604,511
88$356,911,859$54,407,971$30,256,203$236,339,896
89$393,189,149$56,946,242$31,142,067$259,141,680
90$433,162,700$59,604,865$32,053,584$284,218,648
91$477,209,403$62,389,611$32,991,486$311,800,791
92$525,744,589$65,306,529$33,956,528$342,141,474
93$579,225,948$68,361,961$34,949,484$375,519,808
94$638,157,852$71,562,554$35,971,148$412,243,279
95$703,096,112$74,915,278$37,022,341$452,650,630
96$774,653,229$78,427,440$38,103,902$497,115,055
97$853,504,172$82,106,699$39,216,698$546,047,696
98$940,392,756$85,961,086$40,361,615$599,901,520
99$1,036,138,657$89,999,019$41,539,569$659,175,572
100$1,141,645,154$94,229,324$42,751,499$724,419,672