Can I retire at age 52 with 13,500,000?

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 $13,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,068,382
2 years$551,890$541,611$531,650$521,992$512,623$504,430
3 years$364,272$353,949$344,013$334,445$325,229$317,223
4 years$270,481$260,190$250,353$240,949$231,956$224,198
5 years$214,222$203,992$194,284$185,072$176,329$168,843
6 years$176,727$166,575$157,011$148,003$139,524$132,319
7 years$149,956$139,889$130,477$121,682$113,470$106,550
8 years$129,887$119,911$110,654$102,076$94,134$87,499
9 years$114,286$104,404$95,307$86,946$79,275$72,922
10 years$101,812$92,027$83,091$74,948$67,546$61,472
11 years$91,613$81,926$73,152$65,227$58,092$52,293
12 years$83,120$73,533$64,920$57,213$50,341$44,812
13 years$75,940$66,452$58,002$50,511$43,898$38,633
14 years$69,790$60,403$52,115$44,838$38,481$33,473
15 years$64,465$55,179$47,053$39,987$33,882$29,124
16 years$59,810$50,626$42,660$35,804$29,945$25,430
17 years$55,707$46,625$38,819$32,170$26,551$22,271
18 years$52,064$43,083$35,437$28,992$23,608$19,556
19 years$48,809$39,929$32,441$26,196$21,042$17,210
20 years$45,882$37,104$29,772$23,726$18,795$15,175
21 years$43,238$34,561$27,385$21,533$16,820$13,403
22 years$40,837$32,261$25,239$19,578$15,077$11,856
23 years$38,649$30,173$23,304$17,830$13,534$10,500
24 years$36,645$28,271$21,552$16,262$12,164$9,310
25 years$34,805$26,531$19,962$14,852$10,946$8,263
26 years$33,109$24,934$18,514$13,580$9,860$7,340
27 years$31,542$23,466$17,192$12,430$8,889$6,525
28 years$30,089$22,112$15,982$11,388$8,021$5,805
29 years$28,738$20,860$14,872$10,443$7,243$5,167
30 years$27,480$19,700$13,853$9,584$6,544$4,602
31 years$26,306$18,623$12,915$8,802$5,917$4,100
32 years$25,207$17,621$12,050$8,090$5,352$3,655
33 years$24,177$16,688$11,251$7,439$4,844$3,259
34 years$23,209$15,816$10,512$6,845$4,385$2,907
35 years$22,299$15,001$9,828$6,301$3,972$2,594
36 years$21,441$14,239$9,194$5,803$3,599$2,315
37 years$20,632$13,523$8,605$5,347$3,262$2,067
38 years$19,867$12,852$8,059$4,928$2,957$1,846
39 years$19,143$12,221$7,550$4,544$2,682$1,648
40 years$18,457$11,627$7,077$4,191$2,432$1,472
41 years$17,806$11,068$6,636$3,867$2,207$1,315
42 years$17,187$10,541$6,224$3,569$2,002$1,175
43 years$16,600$10,043$5,841$3,294$1,817$1,050
44 years$16,040$9,573$5,483$3,042$1,649$938
45 years$15,507$9,129$5,148$2,809$1,497$839
46 years$14,998$8,709$4,835$2,595$1,360$750
47 years$14,513$8,311$4,543$2,397$1,235$670
48 years$14,049$7,934$4,269$2,215$1,121$599
49 years$13,605$7,576$4,012$2,047$1,018$536
50 years$13,181$7,237$3,772$1,892$925$479

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $13,500,000, adding $3,046 every year, while hoping to spend $39,283 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: 89/6/5 Blend
51$13,500,000$13,500,000$13,500,000$13,500,000
52$14,880,142$14,164,642$13,955,392$16,206,513
53$16,356,120$14,816,913$14,381,101$17,721,462
54$17,981,330$15,499,828$14,819,754$19,381,212
55$19,770,955$16,214,848$15,271,745$21,204,929
56$21,741,720$16,963,503$15,737,476$23,209,137
57$23,912,058$17,747,398$16,217,364$25,412,035
58$26,302,280$18,568,212$16,711,838$27,833,674
59$28,934,767$19,427,709$17,221,339$30,496,136
60$31,834,182$20,327,736$17,746,323$33,423,752
61$35,027,702$21,270,228$18,287,258$36,643,322
62$38,545,273$22,257,215$18,844,626$40,184,369
63$42,419,896$23,290,824$19,418,927$44,079,420
64$46,687,935$24,373,284$20,010,670$48,364,308
65$51,389,463$25,506,933$20,620,386$53,078,507
66$56,568,636$26,694,220$21,248,616$58,265,510
67$62,274,114$27,937,714$21,895,922$63,973,232
68$68,559,518$29,240,107$22,562,881$70,254,463
69$75,483,938$30,604,221$23,250,086$77,167,363
70$83,112,485$32,033,013$23,958,149$84,776,014
71$91,516,914$33,529,586$24,687,702$93,151,016
72$100,776,293$35,097,190$25,439,395$102,370,159
73$110,977,756$36,739,234$26,213,895$112,519,148
74$122,217,320$38,459,289$27,011,894$123,692,418
75$134,600,794$40,261,101$27,834,100$135,994,016
76$148,244,778$42,148,598$28,681,245$149,538,586
77$163,277,761$44,125,895$29,554,082$164,452,447
78$179,841,337$46,197,308$30,453,388$180,874,782
79$198,091,539$48,367,362$31,379,962$198,958,951
80$218,200,313$50,640,799$32,334,627$218,873,938
81$240,357,139$53,022,593$33,318,232$240,805,939
82$264,770,825$55,517,958$34,331,651$264,960,119
83$291,671,470$58,132,359$35,375,782$291,562,548
84$321,312,642$60,871,527$36,451,553$320,862,330
85$353,973,771$63,741,471$37,559,919$353,133,949
86$389,962,783$66,748,490$38,701,864$388,679,863
87$429,619,010$69,899,189$39,878,399$427,833,349
88$473,316,393$73,200,493$41,090,570$470,961,652
89$521,467,011$76,659,663$42,339,449$518,469,443
90$574,524,970$80,284,311$43,626,146$570,802,637
91$632,990,694$84,082,419$44,951,798$628,452,602
92$697,415,643$88,062,356$46,317,582$691,960,785
93$768,407,524$92,232,897$47,724,706$761,923,830
94$846,636,025$96,603,242$49,174,417$838,999,196
95$932,839,136$101,183,038$50,667,997$923,911,366
96$1,027,830,122$105,982,401$52,206,769$1,017,458,675
97$1,132,505,192$111,011,936$53,792,093$1,120,520,847
98$1,247,851,966$116,282,765$55,425,373$1,234,067,293
99$1,374,958,795$121,806,549$57,108,051$1,359,166,255
100$1,515,025,038$127,595,515$58,841,616$1,496,994,887