Can I retire at age 52 with 10,400,000?

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 $10,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$858,822$851,172$843,709$836,424$829,311$809,591
2 years$425,160$417,241$409,567$402,127$394,910$375,158
3 years$280,624$272,672$265,017$257,647$250,547$231,380
4 years$208,371$200,443$192,865$185,620$178,692$160,258
5 years$165,030$157,149$149,671$142,574$135,839$118,189
6 years$136,145$128,324$120,956$114,017$107,485$90,637
7 years$115,522$107,767$100,515$93,740$87,414$71,370
8 years$100,061$92,376$85,245$78,636$72,518$57,272
9 years$88,043$80,430$73,421$66,981$61,071$46,610
10 years$78,433$70,895$64,010$57,738$52,035$38,344
11 years$70,576$63,114$56,354$50,249$44,752$31,811
12 years$64,033$56,647$50,013$44,075$38,781$26,569
13 years$58,502$51,193$44,683$38,912$33,818$22,312
14 years$53,764$46,533$40,148$34,542$29,645$18,820
15 years$49,662$42,508$36,248$30,805$26,102$15,932
16 years$46,076$39,001$32,864$27,583$23,069$13,528
17 years$42,915$35,918$29,905$24,783$20,454$11,516
18 years$40,109$33,190$27,299$22,334$18,187$9,824
19 years$37,601$30,760$24,991$20,181$16,210$8,396
20 years$35,346$28,584$22,936$18,278$14,479$7,186
21 years$33,309$26,625$21,097$16,588$12,957$6,158
22 years$31,460$24,853$19,444$15,082$11,615$5,283
23 years$29,774$23,245$17,953$13,736$10,426$4,537
24 years$28,230$21,779$16,603$12,528$9,371$3,899
25 years$26,813$20,438$15,378$11,441$8,432$3,353
26 years$25,506$19,209$14,262$10,461$7,596$2,885
27 years$24,299$18,078$13,244$9,575$6,848$2,484
28 years$23,179$17,034$12,312$8,773$6,179$2,139
29 years$22,139$16,070$11,457$8,045$5,580$1,843
30 years$21,170$15,176$10,672$7,383$5,042$1,589
31 years$20,265$14,347$9,949$6,781$4,558$1,370
32 years$19,418$13,575$9,283$6,232$4,123$1,181
33 years$18,625$12,856$8,667$5,731$3,731$1,019
34 years$17,880$12,184$8,098$5,273$3,378$879
35 years$17,178$11,557$7,571$4,854$3,060$758
36 years$16,518$10,969$7,083$4,470$2,772$654
37 years$15,894$10,418$6,629$4,119$2,513$564
38 years$15,305$9,901$6,208$3,796$2,278$487
39 years$14,747$9,415$5,816$3,501$2,066$420
40 years$14,218$8,957$5,452$3,229$1,874$363
41 years$13,717$8,527$5,112$2,979$1,700$313
42 years$13,241$8,120$4,795$2,749$1,543$270
43 years$12,788$7,737$4,500$2,538$1,400$233
44 years$12,357$7,375$4,224$2,343$1,271$202
45 years$11,946$7,033$3,966$2,164$1,154$174
46 years$11,554$6,709$3,725$1,999$1,047$150
47 years$11,180$6,402$3,499$1,847$951$130
48 years$10,823$6,112$3,288$1,707$864$112
49 years$10,481$5,837$3,091$1,577$784$97
50 years$10,154$5,575$2,906$1,458$713$84

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $10,400,000, adding $3,456 every year, while hoping to spend $43,253 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: 81/12/7 Blend
51$10,400,000$10,400,000$10,400,000$10,400,000
52$11,464,365$10,913,165$10,751,965$12,384,598
53$12,587,709$11,401,889$11,066,135$13,476,071
54$13,824,185$11,913,111$11,389,380$14,667,644
55$15,185,286$12,447,888$11,721,958$15,974,104
56$16,683,677$13,007,326$12,064,136$17,406,914
57$18,333,313$13,592,586$12,416,185$18,978,698
58$20,149,570$14,204,882$12,778,387$20,703,354
59$22,149,393$14,845,488$13,151,029$22,596,188
60$24,351,452$15,515,738$13,534,409$24,674,055
61$26,776,320$16,217,028$13,928,832$26,955,517
62$29,446,666$16,950,824$14,334,609$29,461,017
63$32,387,471$17,718,660$14,752,064$32,213,068
64$35,626,261$18,522,142$15,181,526$35,236,469
65$39,193,369$19,362,957$15,623,337$38,558,530
66$43,122,219$20,242,868$16,077,845$42,209,336
67$47,449,642$21,163,725$16,545,409$46,222,021
68$52,216,224$22,127,466$17,026,399$50,633,084
69$57,466,689$23,136,122$17,521,194$55,482,729
70$63,250,321$24,191,822$18,030,183$60,815,245
71$69,621,427$25,296,794$18,553,767$66,679,417
72$76,639,852$26,453,377$19,092,358$73,128,989
73$84,371,544$27,664,019$19,646,379$80,223,165
74$92,889,172$28,931,286$20,216,263$88,027,167
75$102,272,818$30,257,870$20,802,458$96,612,849
76$112,610,728$31,646,588$21,405,423$106,059,368
77$124,000,146$33,100,395$22,025,629$116,453,933
78$136,548,233$34,622,386$22,663,560$127,892,623
79$150,373,078$36,215,808$23,319,714$140,481,291
80$165,604,810$37,884,060$23,994,602$154,336,559
81$182,386,829$39,630,708$24,688,750$169,586,915
82$200,877,159$41,459,487$25,402,697$186,373,925
83$221,249,940$43,374,312$26,136,998$204,853,562
84$243,697,069$45,379,288$26,892,222$225,197,675
85$268,430,013$47,478,717$27,668,955$247,595,609
86$295,681,807$49,677,106$28,467,797$272,255,986
87$325,709,249$51,979,182$29,289,367$299,408,670
88$358,795,330$54,389,899$30,134,297$329,306,933
89$395,251,898$56,914,449$31,003,241$362,229,839
90$435,422,609$59,558,275$31,896,867$398,484,875
91$479,686,166$62,327,080$32,815,862$438,410,847
92$528,459,894$65,226,847$33,760,933$482,381,075
93$582,203,684$68,263,843$34,732,805$530,806,905
94$641,424,327$71,444,639$35,732,222$584,141,592
95$706,680,307$74,776,124$36,759,949$642,884,572
96$778,587,063$78,265,519$37,816,772$707,586,166
97$857,822,807$81,920,393$38,903,498$778,852,771
98$945,134,923$85,748,682$40,020,955$857,352,575
99$1,041,347,021$89,758,704$41,169,993$943,821,859
100$1,147,366,717$93,959,179$42,351,487$1,039,071,939