Can I retire at age 52 with 13,400,000?

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 $13,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$1,106,559$1,096,703$1,087,086$1,077,700$1,068,535$1,026,950
2 years$547,802$537,599$527,712$518,125$508,826$467,433
3 years$361,573$351,327$341,464$331,968$322,820$282,921
4 years$268,478$258,263$248,499$239,164$230,238$192,137
5 years$212,635$202,481$192,845$183,701$175,023$138,818
6 years$175,418$165,341$155,848$146,907$138,490$104,204
7 years$148,845$138,853$129,510$120,780$112,629$80,251
8 years$128,925$119,023$109,835$101,320$93,437$62,935
9 years$113,439$103,631$94,601$86,302$78,687$50,017
10 years$101,058$91,345$82,475$74,393$67,046$40,151
11 years$90,935$81,319$72,610$64,744$57,661$32,482
12 years$82,505$72,988$64,439$56,789$49,968$26,438
13 years$75,377$65,960$57,572$50,137$43,573$21,622
14 years$69,273$59,956$51,729$44,506$38,196$17,751
15 years$63,987$54,771$46,704$39,691$33,631$14,619
16 years$59,367$50,251$42,344$35,539$29,723$12,069
17 years$55,295$46,279$38,532$31,932$26,354$9,985
18 years$51,679$42,764$35,174$28,777$23,433$8,274
19 years$48,447$39,633$32,200$26,002$20,887$6,866
20 years$45,542$36,829$29,552$23,550$18,656$5,704
21 years$42,918$34,305$27,182$21,373$16,695$4,744
22 years$40,535$32,022$25,053$19,433$14,965$3,948
23 years$38,362$29,950$23,132$17,698$13,433$3,287
24 years$36,374$28,061$21,393$16,142$12,074$2,739
25 years$34,547$26,334$19,814$14,742$10,865$2,283
26 years$32,864$24,750$18,376$13,479$9,787$1,904
27 years$31,308$23,292$17,064$12,338$8,824$1,588
28 years$29,866$21,948$15,863$11,304$7,962$1,325
29 years$28,525$20,706$14,762$10,366$7,189$1,106
30 years$27,277$19,554$13,750$9,513$6,496$923
31 years$26,111$18,485$12,819$8,737$5,873$770
32 years$25,020$17,491$11,960$8,030$5,312$643
33 years$23,997$16,564$11,168$7,384$4,808$537
34 years$23,037$15,699$10,434$6,794$4,353$449
35 years$22,134$14,890$9,755$6,254$3,943$375
36 years$21,282$14,133$9,126$5,760$3,572$313
37 years$20,479$13,423$8,542$5,307$3,238$261
38 years$19,720$12,757$7,999$4,892$2,935$218
39 years$19,001$12,130$7,494$4,510$2,662$182
40 years$18,320$11,541$7,024$4,160$2,414$152
41 years$17,674$10,986$6,586$3,838$2,190$127
42 years$17,060$10,463$6,178$3,542$1,987$106
43 years$16,477$9,969$5,798$3,270$1,804$89
44 years$15,921$9,502$5,442$3,019$1,637$74
45 years$15,392$9,061$5,110$2,788$1,486$62
46 years$14,887$8,644$4,799$2,576$1,350$52
47 years$14,405$8,249$4,509$2,380$1,225$43
48 years$13,945$7,875$4,237$2,199$1,113$36
49 years$13,504$7,520$3,983$2,032$1,011$30
50 years$13,083$7,184$3,744$1,878$918$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $13,400,000, adding $3,986 every year, while hoping to spend $23,055 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: 40/41/19 Blend
51$13,400,000$13,400,000$13,400,000$13,400,000
52$14,770,912$14,060,712$13,853,012$15,278,359
53$16,253,014$14,725,156$14,292,557$16,305,679
54$17,885,519$15,421,386$14,746,055$17,413,831
55$19,683,741$16,150,933$15,213,947$18,612,190
56$21,664,561$16,915,407$15,696,692$19,908,977
57$23,846,576$17,716,492$16,194,761$21,313,208
58$26,250,281$18,555,955$16,708,641$22,834,773
59$28,898,263$19,435,649$17,238,833$24,484,523
60$31,815,407$20,357,518$17,785,856$26,274,366
61$35,029,141$21,323,598$18,350,244$28,217,371
62$38,569,685$22,336,026$18,932,548$30,327,889
63$42,470,342$23,397,041$19,533,339$32,621,674
64$46,767,814$24,508,992$20,153,202$35,116,029
65$51,502,540$25,674,342$20,792,744$37,829,958
66$56,719,088$26,895,674$21,452,589$40,784,341
67$62,466,566$28,175,694$22,133,383$44,002,115
68$68,799,095$29,517,242$22,835,790$47,508,489
69$75,776,312$30,923,295$23,560,498$51,331,165
70$83,463,935$32,396,976$24,308,214$55,500,596
71$91,934,387$33,941,558$25,079,669$60,050,255
72$101,267,474$35,560,475$25,875,618$65,016,947
73$111,551,144$37,257,325$26,696,839$70,441,140
74$122,882,311$39,035,884$27,544,133$76,367,334
75$135,367,774$40,900,111$28,418,330$82,844,473
76$149,125,227$42,854,156$29,320,283$89,926,388
77$164,284,363$44,902,372$30,250,875$97,672,294
78$180,988,103$47,049,324$31,211,015$106,147,333
79$199,393,948$49,299,799$32,201,642$115,423,173
80$219,675,458$51,658,816$33,223,725$125,578,671
81$242,023,897$54,131,641$34,278,262$136,700,594
82$266,650,036$56,723,792$35,366,284$148,884,427
83$293,786,141$59,441,059$36,488,856$162,235,253
84$323,688,169$62,289,513$37,647,075$176,868,724
85$356,638,184$65,275,520$38,842,073$192,912,134
86$392,947,015$68,405,757$40,075,019$210,505,599
87$432,957,197$71,687,226$41,347,119$229,803,354
88$477,046,199$75,127,268$42,659,615$250,975,191
89$525,629,991$78,733,585$44,013,793$274,208,035
90$579,166,971$82,514,251$45,410,975$299,707,678
91$638,162,288$86,477,735$46,852,529$327,700,704
92$703,172,616$90,632,919$48,339,864$358,436,589
93$774,811,408$94,989,117$49,874,434$392,190,036
94$853,754,685$99,556,097$51,457,741$429,263,530
95$940,747,420$104,344,103$53,091,333$469,990,167
96$1,036,610,572$109,363,879$54,776,807$514,736,759
97$1,142,248,833$114,626,692$56,515,813$563,907,265
98$1,258,659,172$120,144,358$58,310,051$617,946,564
99$1,386,940,246$125,929,269$60,161,276$677,344,620
100$1,528,302,771$131,994,424$62,071,299$742,641,061