Can I retire at age 52 with 13,300,000?

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 $13,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$1,098,302$1,088,518$1,078,974$1,069,658$1,060,561$1,038,723
2 years$543,714$533,587$523,774$514,258$505,029$483,127
3 years$358,875$348,705$338,916$329,490$320,411$299,128
4 years$266,474$256,335$246,644$237,379$228,520$208,020
5 years$211,048$200,970$191,406$182,330$173,717$154,059
6 years$174,109$164,107$154,685$145,811$137,456$118,660
7 years$147,735$137,817$128,544$119,879$111,789$93,859
8 years$127,963$118,135$109,015$100,564$92,740$75,671
9 years$112,593$102,857$93,895$85,658$78,100$61,881
10 years$100,304$90,664$81,860$73,838$66,545$51,159
11 years$90,256$80,713$72,068$64,261$57,231$42,659
12 years$81,889$72,443$63,958$56,366$49,595$35,816
13 years$74,814$65,468$57,143$49,762$43,248$30,238
14 years$68,756$59,508$51,343$44,173$37,911$25,644
15 years$63,510$54,362$46,356$39,395$33,380$21,831
16 years$58,924$49,876$42,028$35,274$29,501$18,643
17 years$54,882$45,934$38,244$31,693$26,158$15,962
18 years$51,293$42,445$34,912$28,562$23,258$13,697
19 years$48,086$39,338$31,960$25,808$20,731$11,775
20 years$45,202$36,554$29,331$23,374$18,517$10,139
21 years$42,597$34,049$26,979$21,214$16,571$8,743
22 years$40,232$31,783$24,866$19,288$14,853$7,547
23 years$38,076$29,726$22,959$17,566$13,333$6,522
24 years$36,102$27,852$21,233$16,021$11,984$5,640
25 years$34,289$26,137$19,666$14,632$10,784$4,881
26 years$32,619$24,565$18,239$13,378$9,714$4,227
27 years$31,074$23,119$16,937$12,246$8,758$3,663
28 years$29,643$21,784$15,745$11,220$7,902$3,176
29 years$28,312$20,551$14,652$10,289$7,136$2,754
30 years$27,073$19,408$13,648$9,442$6,447$2,389
31 years$25,916$18,347$12,723$8,672$5,829$2,073
32 years$24,833$17,360$11,871$7,970$5,273$1,800
33 years$23,818$16,441$11,084$7,329$4,772$1,563
34 years$22,865$15,582$10,356$6,743$4,320$1,357
35 years$21,968$14,779$9,683$6,208$3,913$1,179
36 years$21,123$14,028$9,058$5,717$3,546$1,024
37 years$20,326$13,323$8,478$5,267$3,213$890
38 years$19,572$12,662$7,939$4,855$2,913$773
39 years$18,859$12,040$7,438$4,477$2,642$672
40 years$18,183$11,455$6,972$4,129$2,396$584
41 years$17,542$10,904$6,537$3,810$2,174$507
42 years$16,933$10,385$6,132$3,516$1,973$441
43 years$16,354$9,895$5,754$3,245$1,790$383
44 years$15,802$9,432$5,401$2,997$1,625$333
45 years$15,277$8,994$5,072$2,768$1,475$290
46 years$14,776$8,580$4,764$2,556$1,339$252
47 years$14,298$8,188$4,475$2,362$1,216$219
48 years$13,841$7,816$4,205$2,182$1,105$190
49 years$13,404$7,464$3,953$2,017$1,003$166
50 years$12,985$7,130$3,716$1,864$911$144

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $13,300,000, adding $2,363 every year, while hoping to spend $56,366 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: 42/39/19 Blend
51$13,300,000$13,300,000$13,300,000$13,300,000
52$14,659,037$13,954,137$13,747,987$15,193,023
53$16,094,286$14,577,917$14,148,572$16,195,433
54$17,674,041$15,230,373$14,560,687$17,274,587
55$19,412,983$15,912,850$14,984,659$18,442,033
56$21,327,286$16,626,759$15,420,825$19,705,901
57$23,434,775$17,373,576$15,869,528$21,075,113
58$25,755,089$18,154,849$16,331,124$22,559,461
59$28,309,870$18,972,197$16,805,978$24,169,697
60$31,122,962$19,827,321$17,294,464$25,917,625
61$34,220,642$20,721,998$17,796,967$27,816,211
62$37,631,865$21,658,093$18,313,882$29,879,697
63$41,388,535$22,637,559$18,845,617$32,123,728
64$45,525,810$23,662,443$19,392,589$34,565,497
65$50,082,429$24,734,890$19,955,228$37,223,895
66$55,101,082$25,857,145$20,533,973$40,119,687
67$60,628,811$27,031,563$21,129,280$43,275,697
68$66,717,451$28,260,612$21,741,613$46,717,020
69$73,424,125$29,546,876$22,371,451$50,471,244
70$80,811,777$30,893,064$23,019,285$54,568,707
71$88,949,768$32,302,014$23,685,621$59,042,775
72$97,914,533$33,776,701$24,370,978$63,930,142
73$107,790,299$35,320,243$25,075,889$69,271,172
74$118,669,880$36,935,905$25,800,902$75,110,268
75$130,655,555$38,627,111$26,546,579$81,496,279
76$143,860,031$40,397,449$27,313,499$88,482,953
77$158,407,508$42,250,679$28,102,255$96,129,430
78$174,434,851$44,190,739$28,913,458$104,500,787
79$192,092,881$46,221,761$29,747,734$113,668,644
80$211,547,799$48,348,071$30,605,728$123,711,822
81$232,982,754$50,574,206$31,488,099$134,717,076
82$256,599,573$52,904,920$32,395,528$146,779,897
83$282,620,663$55,345,195$33,328,712$160,005,401
84$311,291,115$57,900,253$34,288,368$174,509,303
85$342,881,011$60,575,568$35,275,231$190,418,992
86$377,687,980$63,376,877$36,290,057$207,874,718
87$416,040,003$66,310,193$37,333,623$227,030,896
88$458,298,510$69,381,819$38,406,726$248,057,546
89$504,861,791$72,598,361$39,510,184$271,141,877
90$556,168,756$75,966,743$40,644,838$296,490,032
91$612,703,081$79,494,225$41,811,551$324,329,015
92$674,997,767$83,188,414$43,011,210$354,908,808
93$743,640,180$87,057,287$44,244,726$388,504,709
94$819,277,586$91,109,202$45,513,032$425,419,902
95$902,623,271$95,352,923$46,817,089$465,988,299
96$994,463,265$99,797,637$48,157,883$510,577,659
97$1,095,663,770$104,452,974$49,536,424$559,593,032
98$1,207,179,332$109,329,027$50,953,751$613,480,555
99$1,330,061,854$114,436,379$52,410,932$672,731,631
100$1,465,470,525$119,786,124$53,909,060$737,887,532