Can I retire at age 52 with 13,000,000?

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 $13,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$1,073,528$1,063,965$1,054,636$1,045,530$1,036,638$1,021,569
2 years$531,449$521,552$511,959$502,659$493,637$478,486
3 years$350,780$340,840$331,272$322,058$313,184$298,423
4 years$260,463$250,553$241,081$232,025$223,365$209,108
5 years$206,287$196,437$187,089$178,217$169,799$156,087
6 years$170,182$160,405$151,195$142,522$134,356$121,205
7 years$144,402$134,708$125,644$117,175$109,267$96,682
8 years$125,077$115,470$106,556$98,295$90,648$78,626
9 years$110,053$100,537$91,777$83,726$76,339$64,875
10 years$98,042$88,619$80,013$72,172$65,044$54,130
11 years$88,220$78,892$70,442$62,812$55,940$45,564
12 years$80,042$70,809$62,516$55,094$48,477$38,627
13 years$73,127$63,991$55,854$48,640$42,273$32,935
14 years$67,205$58,166$50,185$43,177$37,056$28,216
15 years$62,077$53,136$45,310$38,506$32,627$24,270
16 years$57,595$48,751$41,080$34,478$28,836$20,945
17 years$53,644$44,898$37,381$30,978$25,568$18,126
18 years$50,136$41,488$34,124$27,918$22,734$15,724
19 years$47,001$38,450$31,239$25,226$20,263$13,669
20 years$44,183$35,730$28,670$22,847$18,099$11,902
21 years$41,637$33,281$26,371$20,735$16,197$10,380
22 years$39,325$31,067$24,305$18,853$14,518$9,064
23 years$37,217$29,056$22,441$17,170$13,032$7,924
24 years$35,288$27,224$20,754$15,660$11,714$6,934
25 years$33,516$25,548$19,223$14,302$10,541$6,073
26 years$31,883$24,011$17,828$13,077$9,495$5,323
27 years$30,373$22,597$16,555$11,969$8,560$4,668
28 years$28,974$21,293$15,390$10,966$7,724$4,097
29 years$27,674$20,088$14,322$10,056$6,975$3,597
30 years$26,462$18,971$13,340$9,229$6,302$3,159
31 years$25,331$17,934$12,436$8,476$5,698$2,776
32 years$24,273$16,969$11,603$7,790$5,154$2,440
33 years$23,281$16,070$10,834$7,164$4,664$2,145
34 years$22,349$15,230$10,123$6,591$4,223$1,886
35 years$21,473$14,446$9,464$6,067$3,825$1,659
36 years$20,647$13,711$8,853$5,588$3,466$1,460
37 years$19,868$13,022$8,287$5,149$3,141$1,285
38 years$19,131$12,376$7,760$4,746$2,848$1,131
39 years$18,434$11,768$7,270$4,376$2,582$995
40 years$17,773$11,197$6,815$4,036$2,342$876
41 years$17,146$10,658$6,390$3,724$2,125$771
42 years$16,551$10,150$5,994$3,436$1,928$679
43 years$15,985$9,671$5,624$3,172$1,750$598
44 years$15,446$9,219$5,280$2,929$1,588$527
45 years$14,932$8,791$4,957$2,705$1,442$464
46 years$14,443$8,386$4,656$2,499$1,309$408
47 years$13,975$8,003$4,374$2,309$1,189$360
48 years$13,528$7,640$4,111$2,133$1,080$317
49 years$13,101$7,296$3,864$1,971$981$279
50 years$12,693$6,969$3,632$1,822$891$246

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $13,000,000, adding $6,659 every year, while hoping to spend $57,212 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: 38/32/30 Blend
51$13,000,000$13,000,000$13,000,000$13,000,000
52$14,332,869$13,643,869$13,442,369$14,749,369
53$15,733,948$14,251,545$13,831,815$15,665,187
54$17,276,020$14,887,080$14,232,390$16,648,603
55$18,973,406$15,551,779$14,644,407$17,710,400
56$20,841,885$16,247,007$15,068,186$18,857,742
57$22,898,844$16,974,197$15,504,057$20,098,495
58$25,163,442$17,734,849$15,952,358$21,441,290
59$27,656,790$18,530,533$16,413,439$22,895,602
60$30,402,149$19,362,897$16,887,657$24,471,837
61$33,425,153$20,233,663$17,375,378$26,181,420
62$36,754,046$21,144,640$17,876,980$28,036,905
63$40,419,951$22,097,720$18,392,852$30,052,078
64$44,457,164$23,094,886$18,923,390$32,242,092
65$48,903,475$24,138,216$19,469,004$34,623,596
66$53,800,528$25,229,887$20,030,114$37,214,890
67$59,194,211$26,372,180$20,607,152$40,036,089
68$65,135,089$27,567,486$21,200,560$43,109,308
69$71,678,883$28,818,308$21,810,794$46,458,863
70$78,886,995$30,127,271$22,438,322$50,111,493
71$86,827,086$31,497,124$23,083,622$54,096,603
72$95,573,715$32,930,749$23,747,190$58,446,536
73$105,209,043$34,431,165$24,429,530$63,196,868
74$115,823,609$36,001,536$25,131,163$68,386,737
75$127,517,184$37,645,178$25,852,623$74,059,202
76$140,399,709$39,365,564$26,594,459$80,261,638
77$154,592,338$41,166,336$27,357,232$87,046,177
78$170,228,580$43,051,309$28,141,523$94,470,187
79$187,455,554$45,024,483$28,947,923$102,596,802
80$206,435,385$47,090,047$29,777,043$111,495,511
81$227,346,729$49,252,394$30,629,508$121,242,794
82$250,386,460$51,516,126$31,505,962$131,922,841
83$275,771,531$53,886,067$32,407,063$143,628,325
84$303,741,017$56,367,274$33,333,489$156,461,270
85$334,558,375$58,965,045$34,285,935$170,533,996
86$368,513,930$61,684,933$35,265,115$185,970,165
87$405,927,616$64,532,760$36,271,762$202,905,934
88$447,151,994$67,514,627$37,306,627$221,491,222
89$492,575,581$70,636,927$38,370,482$241,891,112
90$542,626,517$73,906,363$39,464,120$264,287,386
91$597,776,608$77,329,961$40,588,355$288,880,230
92$658,545,777$80,915,085$41,744,020$315,890,097
93$725,506,974$84,669,451$42,931,972$345,559,773
94$799,291,583$88,601,152$44,153,091$378,156,645
95$880,595,384$92,718,668$45,408,279$413,975,204
96$970,185,118$97,030,888$46,698,461$453,339,803
97$1,068,905,729$101,547,130$48,024,588$496,607,693
98$1,177,688,336$106,277,162$49,387,635$544,172,372
99$1,297,559,028$111,231,225$50,788,602$596,467,271
100$1,429,648,544$116,420,050$52,228,515$653,969,822