Can I retire at age 52 with 10,900,000?

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 $10,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$900,112$892,094$884,272$876,637$869,181$860,821
2 years$445,600$437,301$429,258$421,460$413,896$405,474
3 years$294,116$285,781$277,758$270,033$262,593$254,370
4 years$218,389$210,079$202,137$194,544$187,283$179,324
5 years$172,964$164,705$156,867$149,428$142,370$134,696
6 years$142,691$134,494$126,772$119,499$112,652$105,275
7 years$121,076$112,948$105,348$98,247$91,616$84,538
8 years$104,872$96,817$89,343$82,417$76,005$69,225
9 years$92,275$84,297$76,951$70,201$64,007$57,524
10 years$82,204$74,303$67,088$60,514$54,537$48,346
11 years$73,969$66,148$59,063$52,665$46,904$41,001
12 years$67,112$59,371$52,417$46,194$40,646$35,024
13 years$61,314$53,654$46,831$40,783$35,444$30,098
14 years$56,349$48,770$42,078$36,202$31,070$25,992
15 years$52,049$44,552$37,991$32,286$27,356$22,539
16 years$48,291$40,876$34,444$28,909$24,178$19,613
17 years$44,978$37,645$31,343$25,974$21,438$17,118
18 years$42,037$34,786$28,612$23,408$19,061$14,978
19 years$39,408$32,239$26,193$21,151$16,990$13,134
20 years$37,046$29,958$24,039$19,156$15,176$11,538
21 years$34,911$27,905$22,111$17,386$13,580$10,153
22 years$32,972$26,048$20,379$15,808$12,173$8,947
23 years$31,205$24,362$18,816$14,396$10,927$7,894
24 years$29,588$22,826$17,402$13,130$9,822$6,973
25 years$28,102$21,421$16,117$11,991$8,838$6,165
26 years$26,733$20,132$14,948$10,964$7,961$5,455
27 years$25,467$18,947$13,881$10,036$7,177$4,830
28 years$24,294$17,853$12,904$9,195$6,476$4,279
29 years$23,203$16,843$12,008$8,432$5,848$3,794
30 years$22,188$15,906$11,185$7,738$5,284$3,365
31 years$21,239$15,037$10,428$7,107$4,777$2,986
32 years$20,352$14,228$9,729$6,532$4,321$2,651
33 years$19,520$13,474$9,084$6,006$3,911$2,354
34 years$18,739$12,770$8,488$5,526$3,541$2,091
35 years$18,004$12,112$7,935$5,087$3,207$1,858
36 years$17,312$11,496$7,423$4,685$2,906$1,651
37 years$16,658$10,919$6,948$4,317$2,634$1,468
38 years$16,041$10,377$6,507$3,979$2,388$1,305
39 years$15,456$9,867$6,096$3,669$2,165$1,161
40 years$14,902$9,388$5,714$3,384$1,964$1,032
41 years$14,376$8,936$5,358$3,122$1,782$918
42 years$13,877$8,511$5,026$2,881$1,617$817
43 years$13,403$8,109$4,716$2,660$1,467$727
44 years$12,951$7,730$4,427$2,456$1,332$647
45 years$12,520$7,371$4,157$2,268$1,209$576
46 years$12,110$7,032$3,904$2,095$1,098$512
47 years$11,718$6,710$3,668$1,936$997$456
48 years$11,343$6,406$3,447$1,789$905$406
49 years$10,985$6,117$3,240$1,653$822$361
50 years$10,642$5,843$3,046$1,528$747$321

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $10,900,000, adding $4,686 every year, while hoping to spend $42,582 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: 45/37/18 Blend
51$10,900,000$10,900,000$10,900,000$10,900,000
52$12,016,634$11,438,934$11,269,984$12,495,058
53$13,197,023$11,954,134$11,602,221$13,345,697
54$14,496,386$12,493,153$11,944,161$14,262,972
55$15,926,811$13,057,111$12,296,085$15,256,780
56$17,501,621$13,647,185$12,658,279$16,334,239
57$19,235,495$14,264,606$13,031,040$17,503,161
58$21,144,609$14,910,665$13,414,673$18,772,126
59$23,246,786$15,586,714$13,809,492$20,150,556
60$25,561,665$16,294,171$14,215,817$21,648,799
61$28,110,890$17,034,520$14,633,982$23,278,226
62$30,918,306$17,809,317$15,064,325$25,051,331
63$34,010,192$18,620,192$15,507,199$26,981,842
64$37,415,504$19,468,854$15,962,963$29,084,849
65$41,166,151$20,357,093$16,431,987$31,376,941
66$45,297,293$21,286,785$16,914,653$33,876,351
67$49,847,675$22,259,896$17,411,353$36,603,130
68$54,859,994$23,278,487$17,922,489$39,579,325
69$60,381,296$24,344,716$18,448,475$42,829,183
70$66,463,427$25,460,846$18,989,738$46,379,370
71$73,163,517$26,629,248$19,546,715$50,259,221
72$80,544,523$27,852,408$20,119,857$54,501,003
73$88,675,818$29,132,930$20,709,626$59,140,216
74$97,633,852$30,473,544$21,316,499$64,215,920
75$107,502,868$31,877,110$21,940,964$69,771,092
76$118,375,700$33,346,628$22,583,526$75,853,027
77$130,354,648$34,885,240$23,244,701$82,513,771
78$143,552,445$36,496,239$23,925,021$89,810,606
79$158,093,318$38,183,078$24,625,033$97,806,579
80$174,114,163$39,949,376$25,345,299$106,571,084
81$191,765,838$41,798,926$26,086,396$116,180,513
82$211,214,582$43,735,702$26,848,919$126,718,957
83$232,643,591$45,763,872$27,633,479$138,278,993
84$256,254,739$47,887,804$28,440,703$150,962,544
85$282,270,492$50,112,076$29,271,236$164,881,828
86$310,936,001$52,441,487$30,125,741$180,160,402
87$342,521,421$54,881,067$31,004,901$196,934,314
88$377,324,456$57,436,090$31,909,416$215,353,375
89$415,673,176$60,112,084$32,840,007$235,582,552
90$457,929,107$62,914,843$33,797,414$257,803,515
91$504,490,646$65,850,440$34,782,397$282,216,327
92$555,796,824$68,925,244$35,795,740$309,041,322
93$612,331,449$72,145,930$36,838,246$338,521,159
94$674,627,671$75,519,495$37,910,742$370,923,100
95$743,273,018$79,053,275$39,014,076$406,541,503
96$818,914,940$82,754,959$40,149,121$445,700,587
97$902,266,922$86,632,610$41,316,775$488,757,466
98$994,115,220$90,694,680$42,517,959$536,105,496
99$1,095,326,283$94,950,030$43,753,621$588,177,964
100$1,206,854,929$99,407,947$45,024,733$645,452,153