Can I retire at age 52 with 14,000,000?

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 $14,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$1,156,107$1,145,809$1,135,762$1,125,955$1,116,380$1,087,626
2 years$572,330$561,671$551,341$541,325$531,609$502,832
3 years$377,763$367,058$356,754$346,832$337,275$309,374
4 years$280,499$269,827$259,625$249,873$240,547$213,738
5 years$222,156$211,547$201,480$191,926$182,860$157,216
6 years$183,273$172,744$162,826$153,485$144,691$120,237
7 years$155,510$145,070$135,309$126,189$117,673$94,411
8 years$134,698$124,352$114,753$105,856$97,621$75,541
9 years$118,519$108,271$98,837$90,166$82,211$61,293
10 years$105,583$95,436$86,168$77,724$70,048$50,267
11 years$95,006$84,961$75,861$67,643$60,243$41,570
12 years$86,199$76,256$67,325$59,332$52,206$34,606
13 years$78,752$68,913$60,150$52,381$45,524$28,963
14 years$72,375$62,640$54,045$46,498$39,906$24,347
15 years$66,852$57,223$48,795$41,468$35,137$20,539
16 years$62,025$52,501$44,240$37,130$31,054$17,378
17 years$57,770$48,351$40,257$33,361$27,535$14,740
18 years$53,993$44,679$36,749$30,065$24,482$12,528
19 years$50,616$41,408$33,642$27,167$21,822$10,667
20 years$47,582$38,478$30,875$24,605$19,492$9,095
21 years$44,839$35,841$28,399$22,330$17,443$7,764
22 years$42,350$33,456$26,174$20,303$15,635$6,635
23 years$40,080$31,291$24,167$18,491$14,035$5,676
24 years$38,003$29,318$22,351$16,865$12,615$4,858
25 years$36,094$27,513$20,701$15,402$11,351$4,162
26 years$34,335$25,858$19,199$14,082$10,225$3,567
27 years$32,710$24,335$17,828$12,890$9,219$3,058
28 years$31,203$22,931$16,574$11,810$8,318$2,623
29 years$29,803$21,633$15,423$10,830$7,511$2,251
30 years$28,498$20,430$14,366$9,939$6,787$1,932
31 years$27,280$19,313$13,393$9,128$6,136$1,659
32 years$26,140$18,274$12,496$8,389$5,550$1,424
33 years$25,072$17,306$11,668$7,715$5,023$1,223
34 years$24,069$16,402$10,902$7,098$4,548$1,051
35 years$23,125$15,557$10,192$6,534$4,119$903
36 years$22,235$14,766$9,535$6,018$3,732$776
37 years$21,396$14,024$8,924$5,545$3,383$667
38 years$20,602$13,328$8,357$5,111$3,067$573
39 years$19,852$12,674$7,830$4,712$2,781$492
40 years$19,140$12,058$7,339$4,346$2,522$423
41 years$18,465$11,478$6,881$4,010$2,288$364
42 years$17,824$10,931$6,455$3,701$2,076$313
43 years$17,214$10,415$6,057$3,416$1,885$269
44 years$16,634$9,928$5,686$3,154$1,711$231
45 years$16,081$9,467$5,339$2,913$1,553$199
46 years$15,554$9,031$5,014$2,691$1,410$171
47 years$15,050$8,619$4,711$2,486$1,280$147
48 years$14,569$8,228$4,427$2,297$1,163$126
49 years$14,109$7,857$4,161$2,123$1,056$109
50 years$13,669$7,505$3,912$1,962$959$93

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $14,000,000, adding $2,810 every year, while hoping to spend $42,233 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: 39/39/22 Blend
51$14,000,000$14,000,000$14,000,000$14,000,000
52$15,430,899$14,688,899$14,471,899$15,931,550
53$16,959,915$15,363,719$14,911,772$16,967,950
54$18,643,475$16,070,190$15,364,965$18,083,671
55$20,497,298$16,809,818$15,831,880$19,289,256
56$22,538,705$17,584,182$16,312,931$20,592,888
57$24,786,783$18,394,937$16,808,543$22,003,545
58$27,262,561$19,243,815$17,319,156$23,531,074
59$29,989,217$20,132,636$17,845,222$25,186,283
60$32,992,286$21,063,305$18,387,206$26,981,032
61$36,299,909$22,037,817$18,945,588$28,928,341
62$39,943,096$23,058,266$19,520,862$31,042,506
63$43,956,017$24,126,846$20,113,535$33,339,226
64$48,376,326$25,245,857$20,724,134$35,835,744
65$53,245,515$26,417,708$21,353,196$38,551,002
66$58,609,308$27,644,926$22,001,279$41,505,811
67$64,518,089$28,930,159$22,668,953$44,723,038
68$71,027,381$30,276,184$23,356,810$48,227,816
69$78,198,367$31,685,909$24,065,456$52,047,770
70$86,098,469$33,162,387$24,795,517$56,213,265
71$94,801,982$34,708,814$25,547,637$60,757,688
72$104,390,781$36,328,542$26,322,479$65,717,749
73$114,955,085$38,025,085$27,120,726$71,133,815
74$126,594,316$39,802,126$27,943,083$77,050,283
75$139,418,034$41,663,528$28,790,274$83,515,984
76$153,546,970$43,613,338$29,663,045$90,584,633
77$169,114,170$45,655,800$30,562,166$98,315,320
78$186,266,244$47,795,363$31,488,427$106,773,056
79$205,164,756$50,036,692$32,442,645$116,029,373
80$225,987,747$52,384,675$33,425,659$126,162,979
81$248,931,412$54,844,439$34,438,333$137,260,490
82$274,211,957$57,421,358$35,481,559$149,417,228
83$302,067,639$60,121,067$36,556,254$162,738,105
84$332,761,012$62,949,472$37,663,361$177,338,592
85$366,581,406$65,912,768$38,803,855$193,345,794
86$403,847,662$69,017,446$39,978,737$210,899,627
87$444,911,137$72,270,314$41,189,038$230,154,115
88$490,159,024$75,678,510$42,435,821$251,278,829
89$540,018,004$79,249,516$43,720,180$274,460,458
90$594,958,276$82,991,179$45,043,243$299,904,551
91$655,497,997$86,911,724$46,406,168$327,837,431
92$722,208,170$91,019,775$47,810,152$358,508,302
93$795,718,036$95,324,377$49,256,425$392,191,582
94$876,721,015$99,835,010$50,746,254$429,189,453
95$965,981,249$104,561,616$52,280,944$469,834,695
96$1,064,340,819$109,514,618$53,861,839$514,493,787
97$1,172,727,695$114,704,946$55,490,322$563,570,338
98$1,292,164,491$120,144,060$57,167,819$617,508,860
99$1,423,778,125$125,843,975$58,895,797$676,798,929
100$1,568,810,455$131,817,292$60,675,768$741,979,770