Can I retire at age 52 with 12,800,000?

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 $12,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$1,057,012$1,047,597$1,038,411$1,029,445$1,020,690$984,084
2 years$523,273$513,528$504,083$494,925$486,043$449,559
3 years$345,384$335,596$326,175$317,104$308,366$273,150
4 years$256,456$246,699$237,372$228,455$219,929$186,251
5 years$203,114$193,415$184,210$175,476$167,186$135,135
6 years$167,564$157,938$148,869$140,329$132,289$101,887
7 years$142,181$132,636$123,711$115,372$107,586$78,827
8 years$123,152$113,693$104,917$96,783$89,253$62,113
9 years$108,360$98,991$90,365$82,438$75,164$49,606
10 years$96,533$87,255$78,782$71,062$64,044$40,024
11 years$86,863$77,678$69,359$61,845$55,080$32,549
12 years$78,810$69,720$61,554$54,247$47,731$26,634
13 years$72,002$63,006$54,994$47,892$41,622$21,902
14 years$66,171$57,271$49,413$42,513$36,486$18,082
15 years$61,122$52,318$44,613$37,914$32,125$14,976
16 years$56,709$48,001$40,448$33,948$28,392$12,436
17 years$52,819$44,207$36,806$30,502$25,174$10,350
18 years$49,365$40,849$33,599$27,488$22,384$8,628
19 years$46,278$37,859$30,759$24,838$19,951$7,203
20 years$43,503$35,180$28,229$22,496$17,821$6,021
21 years$40,996$32,769$25,965$20,416$15,948$5,038
22 years$38,720$30,589$23,931$18,563$14,295$4,219
23 years$36,645$28,609$22,096$16,906$12,832$3,536
24 years$34,745$26,805$20,435$15,419$11,534$2,965
25 years$33,000$25,155$18,927$14,082$10,378$2,487
26 years$31,392$23,642$17,554$12,875$9,349$2,087
27 years$29,906$22,249$16,300$11,785$8,428$1,752
28 years$28,528$20,966$15,153$10,798$7,605$1,472
29 years$27,248$19,779$14,101$9,902$6,867$1,236
30 years$26,055$18,679$13,135$9,087$6,205$1,039
31 years$24,942$17,658$12,245$8,346$5,610$873
32 years$23,900$16,708$11,425$7,670$5,075$733
33 years$22,923$15,822$10,668$7,053$4,592$616
34 years$22,006$14,996$9,967$6,490$4,158$518
35 years$21,143$14,224$9,319$5,974$3,766$436
36 years$20,329$13,500$8,717$5,502$3,412$366
37 years$19,562$12,822$8,159$5,069$3,093$308
38 years$18,837$12,186$7,641$4,673$2,804$259
39 years$18,150$11,587$7,159$4,308$2,543$218
40 years$17,500$11,024$6,710$3,974$2,306$183
41 years$16,882$10,494$6,292$3,666$2,092$154
42 years$16,296$9,994$5,902$3,384$1,898$129
43 years$15,739$9,523$5,538$3,123$1,723$109
44 years$15,208$9,077$5,198$2,884$1,564$92
45 years$14,703$8,656$4,881$2,663$1,420$77
46 years$14,220$8,257$4,584$2,460$1,289$65
47 years$13,760$7,880$4,307$2,273$1,171$54
48 years$13,320$7,522$4,047$2,100$1,063$46
49 years$12,900$7,184$3,804$1,941$965$39
50 years$12,497$6,862$3,577$1,794$877$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $12,800,000, adding $4,222 every year, while hoping to spend $28,370 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: 38/41/21 Blend
51$12,800,000$12,800,000$12,800,000$12,800,000
52$14,109,955$13,431,555$13,233,155$14,557,233
53$15,518,985$14,059,516$13,646,280$15,509,296
54$17,070,785$14,717,296$14,072,294$16,534,555
55$18,779,888$15,406,326$14,511,599$17,642,014
56$20,662,308$16,128,107$14,964,609$18,839,112
57$22,735,691$16,884,212$15,431,751$20,134,010
58$25,019,483$17,676,290$15,913,466$21,535,655
59$27,535,111$18,506,069$16,410,208$23,053,863
60$30,306,188$19,375,362$16,922,445$24,699,402
61$33,358,733$20,286,069$17,450,661$26,484,091
62$36,721,419$21,240,182$17,995,354$28,420,902
63$40,425,843$22,239,789$18,557,037$30,524,075
64$44,506,821$23,287,081$19,136,240$32,809,248
65$49,002,721$24,384,353$19,733,509$35,293,593
66$53,955,824$25,534,011$20,349,406$37,995,973
67$59,412,720$26,738,579$20,984,513$40,937,110
68$65,424,751$28,000,704$21,639,429$44,139,772
69$72,048,496$29,323,159$22,314,770$47,628,978
70$79,346,301$30,708,852$23,011,173$51,432,226
71$87,386,871$32,160,833$23,729,294$55,579,742
72$96,245,917$33,682,299$24,469,811$60,104,751
73$106,006,873$35,276,604$25,233,422$65,043,786
74$116,761,677$36,947,261$26,020,845$70,437,016
75$128,611,648$38,697,956$26,832,823$76,328,614
76$141,668,435$40,532,555$27,670,121$82,767,164
77$156,055,074$42,455,108$28,533,529$89,806,101
78$171,907,148$44,469,865$29,423,859$97,504,207
79$189,374,069$46,581,281$30,341,950$105,926,148
80$208,620,486$48,794,026$31,288,668$115,143,068
81$229,827,842$51,112,999$32,264,904$125,233,249
82$253,196,081$53,543,335$33,271,578$136,282,830
83$278,945,544$56,090,421$34,309,638$148,386,600
84$307,319,041$58,759,903$35,380,062$161,648,882
85$338,584,147$61,557,703$36,483,859$176,184,490
86$373,035,730$64,490,030$37,622,067$192,119,799
87$410,998,728$67,563,395$38,795,760$209,593,914
88$452,831,222$70,784,625$40,006,042$228,759,962
89$498,927,815$74,160,881$41,254,053$249,786,513
90$549,723,357$77,699,668$42,540,969$272,859,148
91$605,697,049$81,408,861$43,868,000$298,182,187
92$667,376,967$85,296,715$45,236,397$325,980,590
93$735,345,049$89,371,886$46,647,449$356,502,053
94$810,242,589$93,643,453$48,102,483$390,019,314
95$892,776,286$98,120,935$49,602,869$426,832,706
96$983,724,923$102,814,316$51,150,021$467,272,950
97$1,083,946,712$107,734,065$52,745,394$511,704,250
98$1,194,387,402$112,891,160$54,390,490$560,527,697
99$1,316,089,204$118,297,113$56,086,857$614,185,014
100$1,450,200,629$123,963,998$57,836,094$673,162,691