Can I retire at age 52 with 13,600,000?

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 $13,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,068,277
2 years$555,978$545,623$535,588$525,858$516,421$500,130
3 years$366,970$356,571$346,561$336,922$327,638$311,769
4 years$272,485$262,117$252,208$242,734$233,674$218,350
5 years$215,808$205,503$195,723$186,443$177,636$162,900
6 years$178,036$167,809$158,174$149,100$140,557$126,427
7 years$151,067$140,926$131,443$122,583$114,310$100,791
8 years$130,849$120,799$111,474$102,832$94,832$81,921
9 years$115,133$105,177$96,013$87,590$79,862$67,553
10 years$102,567$92,709$83,706$75,503$68,046$56,330
11 years$92,292$82,533$73,693$65,711$58,522$47,387
12 years$83,736$74,077$65,401$57,637$50,714$40,146
13 years$76,502$66,944$58,431$50,885$44,224$34,208
14 years$70,307$60,850$52,501$45,170$38,766$29,287
15 years$64,942$55,588$47,401$40,284$34,133$25,174
16 years$60,253$51,001$42,976$36,070$30,167$21,710
17 years$56,120$46,970$39,107$32,408$26,748$18,775
18 years$52,450$43,402$35,699$29,206$23,783$16,275
19 years$49,170$40,225$32,681$26,390$21,198$14,137
20 years$46,222$37,379$29,993$23,902$18,935$12,301
21 years$43,558$34,817$27,588$21,692$16,944$10,720
22 years$41,140$32,500$25,426$19,723$15,188$9,354
23 years$38,935$30,397$23,477$17,962$13,634$8,171
24 years$36,917$28,480$21,712$16,383$12,254$7,145
25 years$35,063$26,727$20,110$14,962$11,027$6,253
26 years$33,354$25,119$18,651$13,680$9,933$5,476
27 years$31,775$23,640$17,319$12,522$8,955$4,799
28 years$30,311$22,276$16,100$11,473$8,080$4,208
29 years$28,951$21,015$14,983$10,521$7,296$3,691
30 years$27,684$19,846$13,956$9,655$6,593$3,239
31 years$26,500$18,761$13,010$8,868$5,961$2,844
32 years$25,393$17,752$12,139$8,150$5,392$2,498
33 years$24,356$16,811$11,334$7,494$4,880$2,194
34 years$23,381$15,933$10,590$6,895$4,418$1,928
35 years$22,464$15,113$9,901$6,348$4,001$1,694
36 years$21,600$14,344$9,262$5,846$3,625$1,489
37 years$20,785$13,624$8,669$5,386$3,286$1,310
38 years$20,014$12,947$8,118$4,965$2,979$1,152
39 years$19,284$12,311$7,606$4,578$2,701$1,013
40 years$18,593$11,713$7,129$4,222$2,450$891
41 years$17,938$11,150$6,685$3,896$2,223$784
42 years$17,315$10,619$6,271$3,595$2,017$689
43 years$16,723$10,118$5,884$3,319$1,831$606
44 years$16,159$9,644$5,523$3,064$1,662$534
45 years$15,622$9,197$5,186$2,830$1,509$469
46 years$15,109$8,773$4,871$2,614$1,370$413
47 years$14,620$8,372$4,576$2,415$1,244$364
48 years$14,153$7,993$4,300$2,232$1,129$320
49 years$13,706$7,632$4,042$2,062$1,026$282
50 years$13,278$7,291$3,800$1,906$932$248

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $13,600,000, adding $5,793 every year, while hoping to spend $33,758 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: 67/7/26 Blend
51$13,600,000$13,600,000$13,600,000$13,600,000
52$14,993,175$14,272,375$14,061,575$15,896,087
53$16,486,561$14,935,804$14,496,720$17,167,728
54$18,131,141$15,630,608$14,945,310$18,553,638
55$19,942,300$16,358,291$15,407,762$20,068,683
56$21,936,994$17,120,427$15,884,501$21,725,610
57$24,133,905$17,918,666$16,375,970$23,538,455
58$26,553,621$18,754,737$16,882,621$25,522,665
59$29,218,826$19,630,455$17,404,925$27,695,251
60$32,154,519$20,547,720$17,943,363$30,074,939
61$35,388,246$21,508,525$18,498,432$32,682,347
62$38,950,365$22,514,960$19,070,647$35,540,181
63$42,874,323$23,569,214$19,660,535$38,673,439
64$47,196,982$24,673,584$20,268,641$42,109,654
65$51,958,962$25,830,477$20,895,527$45,879,143
66$57,205,021$27,042,416$21,541,773$50,015,296
67$62,984,486$28,312,046$22,207,975$54,554,886
68$69,351,709$29,642,142$22,894,747$59,538,414
69$76,366,587$31,035,611$23,602,725$65,010,487
70$84,095,124$32,495,502$24,332,562$71,020,239
71$92,610,056$34,025,010$25,084,932$77,621,789
72$101,991,533$35,627,487$25,860,528$84,874,748
73$112,327,881$37,306,445$26,660,068$92,844,782
74$123,716,433$39,065,569$27,484,288$101,604,223
75$136,264,447$40,908,720$28,333,950$111,232,754
76$150,090,120$42,839,946$29,209,836$121,818,151
77$165,323,702$44,863,494$30,112,756$133,457,113
78$182,108,729$46,983,814$31,043,542$146,256,167
79$200,603,371$49,205,573$32,003,053$160,332,673
80$220,981,933$51,533,664$32,992,173$175,815,922
81$243,436,494$53,973,218$34,011,815$192,848,358
82$268,178,724$56,529,613$35,062,918$211,586,911
83$295,441,880$59,208,491$36,146,453$232,204,480
84$325,483,010$62,015,764$37,263,416$254,891,556
85$358,585,375$64,957,635$38,414,839$279,858,015
86$395,061,130$68,040,605$39,601,783$307,335,095
87$435,254,262$71,271,493$40,825,340$337,577,573
88$479,543,847$74,657,445$42,086,638$370,866,160
89$528,347,619$78,205,960$43,386,841$407,510,151
90$582,125,920$81,924,896$44,727,144$447,850,335
91$641,386,044$85,822,496$46,108,783$492,262,202
92$706,687,024$89,907,401$47,533,030$541,159,488
93$778,644,911$94,188,675$49,001,198$594,998,064
94$857,938,590$98,675,818$50,514,636$654,280,242
95$945,316,190$103,378,797$52,074,740$719,559,499
96$1,041,602,143$108,308,059$53,682,945$791,445,700
97$1,147,704,969$113,474,562$55,340,732$870,610,847
98$1,264,625,855$118,889,795$57,049,625$957,795,407
99$1,393,468,103$124,565,805$58,811,199$1,053,815,302
100$1,535,447,548$130,515,229$60,627,073$1,159,569,595