Can I retire at age 52 with 13,900,000?

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 $13,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,089,147
2 years$568,242$557,659$547,403$537,458$527,812$508,472
3 years$375,065$364,436$354,206$344,355$334,866$316,046
4 years$278,495$267,899$257,771$248,088$238,829$220,675
5 years$220,569$210,036$200,041$190,555$181,554$164,118
6 years$181,964$171,510$161,663$152,389$143,658$126,959
7 years$154,399$144,034$134,343$125,287$116,832$100,876
8 years$133,736$123,464$113,933$105,100$96,923$81,706
9 years$117,672$107,498$98,131$89,522$81,624$67,136
10 years$104,829$94,754$85,552$77,169$69,547$55,778
11 years$94,328$84,354$75,319$67,160$59,813$46,746
12 years$85,583$75,711$66,844$58,908$51,833$39,451
13 years$78,190$68,421$59,720$52,007$45,199$33,483
14 years$71,858$62,193$53,659$46,166$39,621$28,551
15 years$66,375$56,814$48,447$41,172$34,886$24,440
16 years$61,582$52,126$43,924$36,865$30,832$20,989
17 years$57,358$48,006$39,969$33,123$27,338$18,074
18 years$53,607$44,360$36,487$29,851$24,308$15,600
19 years$50,255$41,112$33,402$26,973$21,666$13,491
20 years$47,242$38,203$30,655$24,429$19,352$11,687
21 years$44,519$35,585$28,196$22,171$17,318$10,138
22 years$42,047$33,217$25,987$20,158$15,523$8,806
23 years$39,794$31,067$23,995$18,359$13,935$7,657
24 years$37,731$29,108$22,191$16,744$12,525$6,664
25 years$35,836$27,317$20,553$15,292$11,270$5,804
26 years$34,090$25,673$19,062$13,982$10,152$5,059
27 years$32,476$24,161$17,701$12,798$9,153$4,412
28 years$30,980$22,767$16,455$11,726$8,259$3,849
29 years$29,590$21,478$15,313$10,753$7,457$3,360
30 years$28,294$20,284$14,264$9,868$6,738$2,935
31 years$27,085$19,175$13,297$9,063$6,092$2,564
32 years$25,954$18,144$12,407$8,329$5,511$2,240
33 years$24,893$17,182$11,584$7,660$4,987$1,958
34 years$23,897$16,285$10,824$7,047$4,515$1,712
35 years$22,960$15,446$10,119$6,488$4,090$1,497
36 years$22,076$14,660$9,466$5,975$3,705$1,309
37 years$21,243$13,924$8,860$5,505$3,358$1,145
38 years$20,455$13,233$8,297$5,074$3,045$1,002
39 years$19,710$12,583$7,774$4,679$2,761$877
40 years$19,003$11,972$7,286$4,315$2,504$767
41 years$18,333$11,396$6,832$3,981$2,272$671
42 years$17,697$10,853$6,409$3,674$2,062$588
43 years$17,091$10,341$6,014$3,392$1,871$514
44 years$16,515$9,857$5,645$3,132$1,698$450
45 years$15,966$9,400$5,301$2,892$1,542$394
46 years$15,442$8,967$4,978$2,672$1,400$345
47 years$14,943$8,557$4,677$2,468$1,271$302
48 years$14,465$8,169$4,395$2,281$1,154$264
49 years$14,008$7,801$4,131$2,108$1,048$231
50 years$13,571$7,452$3,884$1,948$952$203

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $13,900,000, adding $3,900 every year, while hoping to spend $33,530 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: 82/8/10 Blend
51$13,900,000$13,900,000$13,900,000$13,900,000
52$15,321,823$14,585,123$14,369,673$16,554,135
53$16,848,973$15,264,118$14,815,381$18,040,784
54$18,530,769$15,975,261$15,274,897$19,667,794
55$20,382,949$16,720,090$15,748,647$21,453,071
56$22,422,855$17,500,220$16,237,073$23,412,468
57$24,669,599$18,317,343$16,740,627$25,563,443
58$27,144,238$19,173,233$17,259,778$27,925,222
59$29,869,978$20,069,749$17,795,009$30,518,981
60$32,872,390$21,008,841$18,346,816$33,368,041
61$36,179,652$21,992,552$18,915,712$36,498,091
62$39,822,814$23,023,025$19,502,226$39,937,422
63$43,836,093$24,102,505$20,106,903$43,717,200
64$48,257,194$25,233,347$20,730,303$47,871,752
65$53,127,667$26,418,020$21,373,008$52,438,891
66$58,493,297$27,659,112$22,035,612$57,460,270
67$64,404,540$28,959,335$22,718,731$62,981,774
68$70,916,995$30,321,534$23,423,001$69,053,948
69$78,091,931$31,748,692$24,149,074$75,732,477
70$85,996,865$33,243,935$24,897,624$83,078,702
71$94,706,198$34,810,540$25,669,347$91,160,204
72$104,301,918$36,451,945$26,464,959$100,051,433
73$114,874,377$38,171,753$27,285,198$109,834,412
74$126,523,137$39,973,742$28,130,826$120,599,505
75$139,357,915$41,861,874$29,002,626$132,446,272
76$153,499,616$43,840,300$29,901,409$145,484,401
77$169,081,478$45,913,376$30,828,007$159,834,739
78$186,250,324$48,085,667$31,783,281$175,630,437
79$205,167,953$50,361,960$32,768,116$193,018,194
80$226,012,662$52,747,274$33,783,426$212,159,644
81$248,980,936$55,246,872$34,830,153$233,232,876
82$274,289,296$57,866,273$35,909,267$256,434,112
83$302,176,345$60,611,262$37,021,769$281,979,553
84$332,905,025$63,487,906$38,168,690$310,107,418
85$366,765,090$66,502,566$39,351,094$341,080,187
86$404,075,851$69,661,913$40,570,077$375,187,072
87$445,189,181$72,972,941$41,826,769$412,746,747
88$490,492,846$76,442,983$43,122,334$454,110,346
89$540,414,157$80,079,730$44,457,972$499,664,776
90$595,424,009$83,891,245$45,834,923$549,836,362
91$656,041,326$87,885,984$47,254,461$605,094,864
92$722,837,958$92,072,814$48,717,902$665,957,909
93$796,444,079$96,461,031$50,226,601$732,995,870
94$877,554,139$101,060,386$51,781,956$806,837,242
95$966,933,417$105,881,100$53,385,407$888,174,568
96$1,065,425,247$110,933,896$55,038,440$977,770,973
97$1,173,958,979$116,230,014$56,742,585$1,076,467,356
98$1,293,558,754$121,781,244$58,499,420$1,185,190,324
99$1,425,353,168$127,599,946$60,310,572$1,304,960,929
100$1,570,585,932$133,699,084$62,177,717$1,436,904,299