Can I retire at age 51 with 17,500,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $17,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$1,445,134$1,432,261$1,419,702$1,407,444$1,395,475$1,351,887
2 years$715,413$702,089$689,176$676,656$664,512$620,986
3 years$472,204$458,823$445,942$433,540$421,594$379,495
4 years$350,624$337,283$324,532$312,341$300,684$260,336
5 years$277,695$264,434$251,850$239,908$228,575$190,085
6 years$229,091$215,930$203,532$191,856$180,864$144,266
7 years$194,388$181,338$169,136$157,736$147,091$112,381
8 years$168,372$155,440$143,441$132,321$122,026$89,182
9 years$148,149$135,339$123,546$112,708$102,763$71,750
10 years$131,979$119,294$107,710$97,155$87,560$58,329
11 years$118,758$106,201$94,826$84,554$75,304$47,805
12 years$107,749$95,320$84,156$74,165$65,257$39,432
13 years$98,440$86,142$75,188$65,477$56,905$32,692
14 years$90,468$78,300$67,556$58,123$49,883$27,216
15 years$83,566$71,529$60,994$51,836$43,921$22,734
16 years$77,532$65,626$55,300$46,413$38,817$19,044
17 years$72,213$60,439$50,321$41,702$34,418$15,988
18 years$67,491$55,849$45,937$37,582$30,603$13,449
19 years$63,271$51,760$42,053$33,958$27,277$11,331
20 years$59,477$48,098$38,594$30,756$24,364$9,559
21 years$56,049$44,801$35,499$27,913$21,803$8,073
22 years$52,937$41,820$32,718$25,379$19,544$6,824
23 years$50,100$39,114$30,209$23,113$17,544$5,773
24 years$47,503$36,647$27,938$21,081$15,769$4,887
25 years$45,118$34,391$25,877$19,252$14,189$4,140
26 years$42,919$32,322$23,999$17,603$12,781$3,508
27 years$40,887$30,419$22,285$16,113$11,523$2,974
28 years$39,004$28,664$20,717$14,763$10,398$2,522
29 years$37,253$27,041$19,279$13,538$9,389$2,139
30 years$35,622$25,537$17,958$12,424$8,483$1,815
31 years$34,100$24,141$16,741$11,411$7,670$1,540
32 years$32,675$22,843$15,620$10,487$6,938$1,307
33 years$31,340$21,632$14,585$9,643$6,279$1,110
34 years$30,086$20,502$13,627$8,873$5,685$942
35 years$28,906$19,446$12,740$8,168$5,149$800
36 years$27,794$18,457$11,918$7,522$4,665$680
37 years$26,745$17,530$11,155$6,931$4,228$577
38 years$25,753$16,660$10,446$6,388$3,833$490
39 years$24,815$15,842$9,787$5,890$3,476$416
40 years$23,925$15,072$9,173$5,433$3,153$354
41 years$23,082$14,347$8,602$5,013$2,860$300
42 years$22,280$13,664$8,069$4,626$2,596$255
43 years$21,518$13,019$7,571$4,270$2,356$217
44 years$20,792$12,410$7,107$3,943$2,138$184
45 years$20,101$11,834$6,673$3,641$1,941$156
46 years$19,442$11,289$6,268$3,364$1,762$133
47 years$18,813$10,773$5,888$3,108$1,600$113
48 years$18,211$10,285$5,534$2,872$1,453$96
49 years$17,636$9,821$5,201$2,654$1,320$81
50 years$17,086$9,382$4,890$2,453$1,199$69

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 51 starting with $17,500,000, adding $3,247 every year, while hoping to spend $34,792 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: 53/39/8 Blend
50$17,500,000$17,500,000$17,500,000$17,500,000
51$19,288,349$18,360,849$18,089,599$20,272,554
52$21,218,742$19,223,512$18,658,582$21,803,049
53$23,344,870$20,127,280$19,245,460$23,463,187
54$25,686,659$21,074,130$19,850,796$25,268,439
55$28,266,070$22,066,134$20,475,170$27,232,526
56$31,107,302$23,105,467$21,119,180$29,370,521
57$34,237,019$24,194,407$21,783,445$31,698,981
58$37,684,605$25,335,343$22,468,601$34,236,099
59$41,482,441$26,530,781$23,175,305$37,001,865
60$45,666,206$27,783,346$23,904,234$40,018,250
61$50,275,222$29,095,792$24,656,089$43,309,403
62$55,352,816$30,471,007$25,431,589$46,901,872
63$60,946,734$31,912,018$26,231,478$50,824,843
64$67,109,592$33,421,997$27,056,523$55,110,409
65$73,899,369$35,004,274$27,907,516$59,793,860
66$81,379,959$36,662,337$28,785,271$64,914,008
67$89,621,768$38,399,846$29,690,632$70,513,543
68$98,702,385$40,220,635$30,624,465$76,639,422
69$108,707,310$42,128,728$31,587,666$83,343,301
70$119,730,762$44,128,341$32,581,159$90,682,012
71$131,876,568$46,223,898$33,605,896$98,718,084
72$145,259,144$48,420,035$34,662,859$107,520,322
73$160,004,574$50,721,615$35,753,063$117,164,440
74$176,251,802$53,133,735$36,877,552$127,733,761
75$194,153,940$55,661,743$38,037,404$139,319,988
76$213,879,716$58,311,243$39,233,732$152,024,055
77$235,615,067$61,088,113$40,467,682$165,957,059
78$259,564,892$63,998,519$41,740,437$181,241,293
79$285,954,987$67,048,922$43,053,218$198,011,382
80$315,034,178$70,246,102$44,407,282$216,415,530
81$347,076,668$73,597,164$45,803,930$236,616,905
82$382,384,625$77,109,562$47,244,498$258,795,151
83$421,291,037$80,791,111$48,730,369$283,148,065
84$464,162,853$84,650,006$50,262,967$309,893,437
85$511,404,448$88,694,840$51,843,761$339,271,084
86$563,461,442$92,934,627$53,474,266$371,545,087
87$620,824,901$97,378,816$55,156,047$407,006,255
88$684,035,980$102,037,318$56,890,714$445,974,842
89$753,691,029$106,920,525$58,679,931$488,803,541
90$830,447,218$112,039,335$60,525,414$535,880,780
91$915,028,750$117,405,178$62,428,930$587,634,360
92$1,008,233,689$123,030,038$64,392,306$644,535,452
93$1,110,941,501$128,926,485$66,417,423$707,103,014
94$1,224,121,350$135,107,699$68,506,223$775,908,650
95$1,348,841,254$141,587,503$70,660,708$851,581,968
96$1,486,278,163$148,380,392$72,882,943$934,816,478
97$1,637,729,073$155,501,568$75,175,059$1,026,376,099
98$1,804,623,267$162,966,974$77,539,252$1,127,102,323
99$1,988,535,813$170,793,328$79,977,790$1,237,922,111
100$2,191,202,430$178,998,165$82,493,009$1,359,856,594