Can I retire at age 52 with 12,300,000?

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 $12,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$1,015,723$1,006,675$997,848$989,232$980,819$948,663
2 years$502,833$493,468$484,392$475,592$467,057$434,967
3 years$331,892$322,487$313,434$304,717$296,320$265,304
4 years$246,438$237,062$228,100$219,531$211,338$181,633
5 years$195,180$185,859$177,015$168,621$160,656$132,341
6 years$161,018$151,768$143,054$134,848$127,121$100,220
7 years$136,627$127,455$118,879$110,866$103,384$77,893
8 years$118,342$109,252$100,818$93,002$85,767$61,667
9 years$104,127$95,124$86,835$79,217$72,228$49,492
10 years$92,762$83,847$75,705$68,286$61,542$40,134
11 years$83,470$74,644$66,649$59,429$52,928$32,808
12 years$75,732$66,996$59,149$52,128$45,866$26,989
13 years$69,189$60,545$52,846$46,021$39,996$22,315
14 years$63,586$55,034$47,482$40,852$35,061$18,526
15 years$58,735$50,274$42,870$36,433$30,870$15,432
16 years$54,494$46,126$38,868$32,622$27,283$12,889
17 years$50,755$42,480$35,369$29,310$24,191$10,790
18 years$47,436$39,254$32,287$26,415$21,510$9,049
19 years$44,470$36,380$29,557$23,868$19,172$7,601
20 years$41,804$33,806$27,126$21,617$17,125$6,392
21 years$39,395$31,489$24,951$19,619$15,325$5,382
22 years$37,207$29,394$22,996$17,838$13,736$4,535
23 years$35,213$27,491$21,233$16,245$12,331$3,825
24 years$33,388$25,758$19,637$14,817$11,083$3,228
25 years$31,711$24,172$18,187$13,531$9,973$2,725
26 years$30,166$22,718$16,868$12,372$8,983$2,302
27 years$28,738$21,380$15,663$11,325$8,099$1,945
28 years$27,414$20,147$14,561$10,376$7,308$1,644
29 years$26,184$19,006$13,550$9,515$6,599$1,390
30 years$25,037$17,949$12,622$8,732$5,963$1,176
31 years$23,967$16,968$11,767$8,020$5,391$994
32 years$22,966$16,055$10,979$7,371$4,876$841
33 years$22,027$15,204$10,251$6,778$4,413$712
34 years$21,146$14,410$9,578$6,236$3,996$602
35 years$20,317$13,668$8,955$5,741$3,619$510
36 years$19,535$12,973$8,377$5,287$3,279$431
37 years$18,798$12,321$7,841$4,871$2,972$365
38 years$18,101$11,710$7,342$4,490$2,694$309
39 years$17,441$11,135$6,879$4,140$2,443$262
40 years$16,816$10,594$6,448$3,819$2,216$221
41 years$16,223$10,084$6,046$3,523$2,010$188
42 years$15,660$9,604$5,671$3,251$1,824$159
43 years$15,124$9,151$5,322$3,001$1,656$134
44 years$14,614$8,722$4,995$2,771$1,503$114
45 years$14,128$8,318$4,690$2,559$1,364$96
46 years$13,665$7,935$4,405$2,364$1,239$82
47 years$13,223$7,572$4,139$2,184$1,125$69
48 years$12,800$7,229$3,889$2,018$1,022$58
49 years$12,396$6,903$3,656$1,865$928$50
50 years$12,009$6,594$3,437$1,724$843$42

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $12,300,000, adding $6,984 every year, while hoping to spend $36,098 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: 22/50/28 Blend
51$12,300,000$12,300,000$12,300,000$12,300,000
52$13,561,804$12,909,904$12,719,254$13,739,460
53$14,906,700$13,504,081$13,106,941$14,491,921
54$16,387,566$14,126,163$13,506,406$15,292,889
55$18,018,231$14,777,480$13,918,004$16,149,022
56$19,813,938$15,459,423$14,342,105$17,064,851
57$21,791,479$16,173,454$14,779,084$18,045,323
58$23,969,359$16,921,103$15,229,333$19,095,840
59$26,367,970$17,703,973$15,693,252$20,222,304
60$29,009,783$18,523,747$16,171,256$21,431,163
61$31,919,557$19,382,187$16,663,769$22,729,468
62$35,124,577$20,281,140$17,171,231$24,124,931
63$38,654,910$21,222,542$17,694,093$25,625,986
64$42,543,687$22,208,423$18,232,822$27,241,866
65$46,827,418$23,240,910$18,787,896$28,982,677
66$51,546,334$24,322,234$19,359,810$30,859,484
67$56,744,769$25,454,733$19,949,072$32,884,411
68$62,471,577$26,640,855$20,556,207$35,070,737
69$68,780,592$27,883,172$21,181,755$37,433,019
70$75,731,140$29,184,375$21,826,271$39,987,213
71$83,388,593$30,547,287$22,490,328$42,750,814
72$91,824,993$31,974,867$23,174,517$45,743,010
73$101,119,725$33,470,218$23,879,446$48,984,851
74$111,360,269$35,036,591$24,605,740$52,499,434
75$122,643,029$36,677,396$25,354,044$56,312,103
76$135,074,236$38,396,207$26,125,023$60,450,682
77$148,770,957$40,196,770$26,919,361$64,945,715
78$163,862,198$42,083,015$27,737,762$69,830,743
79$180,490,117$44,059,058$28,580,953$75,142,601
80$198,811,375$46,129,218$29,449,681$80,921,750
81$218,998,606$48,298,020$30,344,716$87,212,642
82$241,242,052$50,570,210$31,266,851$94,064,117
83$265,751,354$52,950,764$32,216,904$101,529,847
84$292,757,538$55,444,898$33,195,716$109,668,820
85$322,515,189$58,058,079$34,204,154$118,545,879
86$355,304,856$60,796,043$35,243,111$128,232,305
87$391,435,702$63,664,799$36,313,506$138,806,470
88$431,248,421$66,670,653$37,416,286$150,354,554
89$475,118,456$69,820,210$38,552,428$162,971,327
90$523,459,539$73,120,401$39,722,935$176,761,019
91$576,727,601$76,578,490$40,928,842$191,838,275
92$635,425,074$80,202,093$42,171,216$208,329,210
93$700,105,634$83,999,198$43,451,154$226,372,563
94$771,379,427$87,978,178$44,769,787$246,120,978
95$849,918,833$92,147,813$46,128,279$267,742,409
96$936,464,808$96,517,309$47,527,829$291,421,668
97$1,031,833,880$101,096,320$48,969,674$317,362,137
98$1,136,925,863$105,894,966$50,455,085$345,787,642
99$1,252,732,343$110,923,861$51,985,372$376,944,530
100$1,380,346,045$116,194,133$53,561,885$411,103,949