Can I retire at age 52 with 14,100,000?

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 $14,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$1,164,365$1,153,993$1,143,874$1,133,998$1,124,354$1,090,547
2 years$576,418$565,683$555,279$545,191$535,407$501,631
3 years$380,462$369,680$359,302$349,309$339,684$306,999
4 years$282,503$271,754$261,480$251,658$242,265$210,922
5 years$223,742$213,058$202,919$193,297$184,166$154,250
6 years$184,582$173,978$163,989$154,581$145,725$117,261
7 years$156,621$146,107$136,275$127,090$118,513$91,501
8 years$135,660$125,240$115,572$106,613$98,318$72,741
9 years$119,365$109,044$99,543$90,810$82,798$58,629
10 years$106,337$96,117$86,783$78,279$70,548$47,753
11 years$95,685$85,567$76,403$68,126$60,674$39,213
12 years$86,815$76,801$67,805$59,756$52,579$32,408
13 years$79,315$69,405$60,580$52,756$45,849$26,923
14 years$72,892$63,088$54,431$46,831$40,191$22,461
15 years$67,330$57,632$49,144$41,765$35,388$18,802
16 years$62,468$52,876$44,556$37,396$31,276$15,784
17 years$58,183$48,697$40,544$33,600$27,731$13,281
18 years$54,378$44,998$37,012$30,280$24,657$11,196
19 years$50,978$41,704$33,883$27,361$21,978$9,454
20 years$47,921$38,753$31,096$24,780$19,631$7,994
21 years$45,160$36,097$28,602$22,490$17,567$6,767
22 years$42,652$33,695$26,361$20,448$15,747$5,734
23 years$40,366$31,514$24,340$18,623$14,135$4,862
24 years$38,274$29,527$22,510$16,985$12,705$4,126
25 years$36,352$27,710$20,849$15,512$11,433$3,503
26 years$34,581$26,043$19,336$14,183$10,298$2,976
27 years$32,943$24,509$17,956$12,982$9,285$2,529
28 years$31,426$23,095$16,692$11,894$8,378$2,150
29 years$30,015$21,787$15,533$10,907$7,565$1,828
30 years$28,702$20,576$14,469$10,010$6,835$1,555
31 years$27,475$19,451$13,489$9,194$6,180$1,323
32 years$26,327$18,405$12,585$8,449$5,590$1,126
33 years$25,251$17,429$11,751$7,770$5,059$958
34 years$24,241$16,519$10,979$7,149$4,580$815
35 years$23,290$15,668$10,265$6,581$4,149$694
36 years$22,394$14,871$9,603$6,061$3,759$591
37 years$21,549$14,124$8,988$5,584$3,407$503
38 years$20,750$13,423$8,417$5,147$3,089$428
39 years$19,993$12,764$7,886$4,746$2,801$365
40 years$19,277$12,144$7,391$4,377$2,540$311
41 years$18,597$11,560$6,931$4,039$2,305$264
42 years$17,951$11,009$6,501$3,727$2,091$225
43 years$17,337$10,490$6,100$3,441$1,898$192
44 years$16,753$9,999$5,726$3,177$1,723$163
45 years$16,196$9,535$5,377$2,934$1,564$139
46 years$15,665$9,096$5,050$2,710$1,420$119
47 years$15,158$8,680$4,744$2,504$1,289$101
48 years$14,673$8,286$4,458$2,314$1,171$86
49 years$14,210$7,913$4,191$2,138$1,064$73
50 years$13,767$7,559$3,940$1,976$966$62

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $14,100,000, adding $5,612 every year, while hoping to spend $22,858 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: 50/20/30 Blend
51$14,100,000$14,100,000$14,100,000$14,100,000
52$15,543,989$14,796,689$14,578,139$16,188,625
53$17,105,155$15,497,406$15,042,186$17,341,849
54$18,824,794$16,231,692$15,521,012$18,591,938
55$20,719,046$17,001,168$16,015,089$19,950,351
56$22,805,696$17,807,533$16,524,902$21,427,396
57$25,104,344$18,652,569$17,050,953$23,034,401
58$27,636,587$19,538,144$17,593,760$24,783,820
59$30,426,224$20,466,219$18,153,856$26,689,341
60$33,499,481$21,438,846$18,731,793$28,766,017
61$36,885,259$22,458,179$19,328,138$31,030,401
62$40,615,404$23,526,479$19,943,479$33,500,696
63$44,725,011$24,646,112$20,578,422$36,196,925
64$49,252,753$25,819,563$21,233,590$39,141,109
65$54,241,247$27,049,435$21,909,629$42,357,479
66$59,737,457$28,338,459$22,607,204$45,872,690
67$65,793,133$29,689,499$23,327,000$49,716,070
68$72,465,305$31,105,558$24,069,728$53,919,892
69$79,816,819$32,589,783$24,836,117$58,519,672
70$87,916,930$34,145,477$25,626,921$63,554,496
71$96,841,953$35,776,102$26,442,920$69,067,381
72$106,675,990$37,485,289$27,284,915$75,105,678
73$117,511,718$39,276,845$28,153,737$81,721,509
74$129,451,265$41,154,763$29,050,239$88,972,248
75$142,607,177$43,123,229$29,975,305$96,921,061
76$157,103,477$45,186,634$30,929,845$105,637,486
77$173,076,835$47,349,583$31,914,799$115,198,089
78$190,677,863$49,616,904$32,931,135$125,687,169
79$210,072,533$51,993,659$33,979,856$137,197,549
80$231,443,743$54,485,160$35,061,993$149,831,441
81$254,993,046$57,096,975$36,178,611$163,701,399
82$280,942,553$59,834,943$37,330,811$178,931,371
83$309,537,026$62,705,188$38,519,726$195,657,860
84$341,046,193$65,714,133$39,746,527$214,031,195
85$375,767,292$68,868,512$41,012,422$234,216,942
86$414,027,875$72,175,389$42,318,658$256,397,451
87$456,188,907$75,642,171$43,666,521$280,773,566
88$502,648,164$79,276,626$45,057,339$307,566,504
89$553,843,997$83,086,901$46,492,480$337,019,930
90$610,259,465$87,081,540$47,973,359$369,402,241
91$672,426,898$91,269,502$49,501,434$405,009,081
92$740,932,919$95,660,186$51,078,209$444,166,120
93$816,423,987$100,263,444$52,705,239$487,232,104
94$899,612,494$105,089,614$54,384,125$534,602,229
95$991,283,497$110,149,534$56,116,522$586,711,846
96$1,092,302,124$115,454,571$57,904,136$644,040,555
97$1,203,621,744$121,016,648$59,748,727$707,116,711
98$1,326,292,966$126,848,268$61,652,114$776,522,386
99$1,461,473,560$132,962,544$63,616,171$852,898,844
100$1,610,439,384$139,373,230$65,642,833$936,952,567