Can I retire at age 52 with 12,600,000?

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 $12,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$1,040,496$1,031,228$1,022,186$1,013,360$1,004,742$969,864
2 years$515,097$505,504$496,207$487,192$478,448$443,671
3 years$339,987$330,352$321,079$312,149$303,547$269,962
4 years$252,449$242,844$233,663$224,886$216,493$184,356
5 years$199,940$190,393$181,332$172,734$164,574$133,972
6 years$164,946$155,470$146,543$138,137$130,222$101,177
7 years$139,959$130,563$121,778$113,570$105,905$78,412
8 years$121,228$111,917$103,277$95,271$87,859$61,895
9 years$106,667$97,444$88,953$81,150$73,990$49,523
10 years$95,025$85,892$77,551$69,952$63,043$40,033
11 years$85,506$76,465$68,275$60,879$54,219$32,619
12 years$77,579$68,630$60,592$53,399$46,985$26,745
13 years$70,877$62,022$54,135$47,143$40,972$22,038
14 years$65,137$56,376$48,641$41,849$35,916$18,233
15 years$60,167$51,501$43,916$37,322$31,623$15,133
16 years$55,823$47,251$39,816$33,417$27,949$12,594
17 years$51,993$43,516$36,231$30,025$24,781$10,504
18 years$48,593$40,211$33,074$27,059$22,034$8,777
19 years$45,555$37,267$30,278$24,450$19,640$7,344
20 years$42,823$34,630$27,788$22,144$17,542$6,153
21 years$40,355$32,257$25,559$20,097$15,698$5,161
22 years$38,115$30,111$23,557$18,273$14,071$4,332
23 years$36,072$28,162$21,751$16,642$12,631$3,639
24 years$34,202$26,386$20,116$15,178$11,353$3,058
25 years$32,485$24,762$18,631$13,862$10,216$2,572
26 years$30,902$23,272$17,279$12,674$9,202$2,164
27 years$29,439$21,902$16,045$11,601$8,297$1,821
28 years$28,083$20,638$14,916$10,629$7,486$1,533
29 years$26,822$19,470$13,881$9,747$6,760$1,291
30 years$25,648$18,387$12,930$8,945$6,108$1,087
31 years$24,552$17,382$12,054$8,216$5,522$916
32 years$23,526$16,447$11,246$7,550$4,995$772
33 years$22,565$15,575$10,501$6,943$4,521$650
34 years$21,662$14,762$9,811$6,388$4,093$548
35 years$20,812$14,001$9,173$5,881$3,707$462
36 years$20,012$13,289$8,581$5,416$3,359$389
37 years$19,256$12,622$8,032$4,990$3,044$328
38 years$18,542$11,995$7,521$4,600$2,760$276
39 years$17,867$11,406$7,047$4,241$2,503$233
40 years$17,226$10,852$6,605$3,912$2,270$196
41 years$16,619$10,330$6,193$3,609$2,060$166
42 years$16,042$9,838$5,810$3,331$1,869$140
43 years$15,493$9,374$5,451$3,075$1,696$118
44 years$14,971$8,935$5,117$2,839$1,540$99
45 years$14,473$8,520$4,805$2,622$1,398$84
46 years$13,998$8,128$4,513$2,422$1,269$71
47 years$13,545$7,757$4,240$2,237$1,152$59
48 years$13,112$7,405$3,984$2,068$1,046$50
49 years$12,698$7,071$3,745$1,911$950$42
50 years$12,302$6,755$3,521$1,766$863$36

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $12,600,000, adding $3,485 every year, while hoping to spend $25,615 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: 61/14/25 Blend
51$12,600,000$12,600,000$12,600,000$12,600,000
52$13,888,795$13,220,995$13,025,695$14,643,196
53$15,278,198$13,841,569$13,434,801$15,776,411
54$16,808,461$14,491,694$13,856,755$17,009,650
55$18,493,926$15,172,788$14,291,958$18,355,193
56$20,350,395$15,886,343$14,740,827$19,823,989
57$22,395,281$16,633,920$15,203,790$21,428,083
58$24,647,774$17,417,157$15,681,292$23,180,729
59$27,129,019$18,237,769$16,173,787$25,096,513
60$29,862,316$19,097,557$16,681,746$27,191,482
61$32,873,344$19,998,409$17,205,655$29,483,302
62$36,190,395$20,942,301$17,746,016$31,991,411
63$39,844,651$21,931,310$18,303,343$34,737,208
64$43,870,471$22,967,609$18,878,170$37,744,247
65$48,305,716$24,053,479$19,471,046$41,038,457
66$53,192,111$25,191,312$20,082,538$44,648,382
67$58,575,634$26,383,613$20,713,230$48,605,450
68$64,506,950$27,633,012$21,363,725$52,944,260
69$71,041,894$28,942,265$22,034,645$57,702,912
70$78,241,992$30,314,260$22,726,630$62,923,354
71$86,175,046$31,752,029$23,440,343$68,651,780
72$94,915,770$33,258,748$24,176,464$74,939,058
73$104,546,501$34,837,749$24,935,698$81,841,207
74$115,157,970$36,492,525$25,718,770$89,419,919
75$126,850,162$38,226,738$26,526,428$97,743,137
76$139,733,259$40,044,229$27,359,444$106,885,691
77$153,928,680$41,949,025$28,218,614$116,929,999
78$169,570,227$43,945,349$29,104,759$127,966,838
79$186,805,348$46,037,628$30,018,726$140,096,193
80$205,796,528$48,230,506$30,961,388$153,428,200
81$226,722,825$50,528,852$31,933,645$168,084,171
82$249,781,558$52,937,771$32,936,428$184,197,739
83$275,190,172$55,462,617$33,970,693$201,916,108
84$303,188,288$58,109,004$35,037,429$221,401,436
85$334,039,966$60,882,818$36,137,656$242,832,358
86$368,036,199$63,790,232$37,272,424$266,405,664
87$405,497,659$66,837,721$38,442,818$292,338,147
88$446,777,724$70,032,073$39,649,955$320,868,639
89$492,265,813$73,380,406$40,894,990$352,260,261
90$542,391,065$76,890,185$42,179,112$386,802,893
91$597,626,388$80,569,239$43,503,547$424,815,898
92$658,492,925$84,425,776$44,869,560$466,651,132
93$725,564,970$88,468,406$46,278,458$512,696,250
94$799,475,396$92,706,157$47,731,585$563,378,354
95$880,921,624$97,148,496$49,230,330$619,168,014
96$970,672,208$101,805,351$50,776,125$680,583,697
97$1,069,574,094$106,687,134$52,370,446$748,196,647
98$1,178,560,613$111,804,764$54,014,817$822,636,264
99$1,298,660,289$117,169,692$55,710,807$904,596,032
100$1,431,006,558$122,793,926$57,460,038$994,840,050