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

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 $14,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$1,164,365$1,153,993$1,143,874$1,133,998$1,124,354$1,107,552
2 years$576,418$565,683$555,279$545,191$535,407$518,517
3 years$380,462$369,680$359,302$349,309$339,684$323,232
4 years$282,503$271,754$261,480$251,658$242,265$226,377
5 years$223,742$213,058$202,919$193,297$184,166$168,889
6 years$184,582$173,978$163,989$154,581$145,725$131,075
7 years$156,621$146,107$136,275$127,090$118,513$104,497
8 years$135,660$125,240$115,572$106,613$98,318$84,933
9 years$119,365$109,044$99,543$90,810$82,798$70,037
10 years$106,337$96,117$86,783$78,279$70,548$58,401
11 years$95,685$85,567$76,403$68,126$60,674$49,129
12 years$86,815$76,801$67,805$59,756$52,579$41,622
13 years$79,315$69,405$60,580$52,756$45,849$35,466
14 years$72,892$63,088$54,431$46,831$40,191$30,364
15 years$67,330$57,632$49,144$41,765$35,388$26,099
16 years$62,468$52,876$44,556$37,396$31,276$22,508
17 years$58,183$48,697$40,544$33,600$27,731$19,465
18 years$54,378$44,998$37,012$30,280$24,657$16,874
19 years$50,978$41,704$33,883$27,361$21,978$14,657
20 years$47,921$38,753$31,096$24,780$19,631$12,754
21 years$45,160$36,097$28,602$22,490$17,567$11,114
22 years$42,652$33,695$26,361$20,448$15,747$9,698
23 years$40,366$31,514$24,340$18,623$14,135$8,472
24 years$38,274$29,527$22,510$16,985$12,705$7,408
25 years$36,352$27,710$20,849$15,512$11,433$6,483
26 years$34,581$26,043$19,336$14,183$10,298$5,677
27 years$32,943$24,509$17,956$12,982$9,285$4,975
28 years$31,426$23,095$16,692$11,894$8,378$4,362
29 years$30,015$21,787$15,533$10,907$7,565$3,827
30 years$28,702$20,576$14,469$10,010$6,835$3,358
31 years$27,475$19,451$13,489$9,194$6,180$2,948
32 years$26,327$18,405$12,585$8,449$5,590$2,589
33 years$25,251$17,429$11,751$7,770$5,059$2,275
34 years$24,241$16,519$10,979$7,149$4,580$1,999
35 years$23,290$15,668$10,265$6,581$4,149$1,757
36 years$22,394$14,871$9,603$6,061$3,759$1,544
37 years$21,549$14,124$8,988$5,584$3,407$1,358
38 years$20,750$13,423$8,417$5,147$3,089$1,194
39 years$19,993$12,764$7,886$4,746$2,801$1,050
40 years$19,277$12,144$7,391$4,377$2,540$923
41 years$18,597$11,560$6,931$4,039$2,305$812
42 years$17,951$11,009$6,501$3,727$2,091$715
43 years$17,337$10,490$6,100$3,441$1,898$629
44 years$16,753$9,999$5,726$3,177$1,723$553
45 years$16,196$9,535$5,377$2,934$1,564$487
46 years$15,665$9,096$5,050$2,710$1,420$428
47 years$15,158$8,680$4,744$2,504$1,289$377
48 years$14,673$8,286$4,458$2,314$1,171$332
49 years$14,210$7,913$4,191$2,138$1,064$292
50 years$13,767$7,559$3,940$1,976$966$257

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 $2,642 every year, while hoping to spend $30,383 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: 31/44/25 Blend
51$14,100,000$14,100,000$14,100,000$14,100,000
52$15,540,925$14,793,625$14,575,075$15,902,904
53$17,093,772$15,486,186$15,031,013$16,873,006
54$18,803,992$16,211,663$15,501,206$17,913,652
55$20,687,603$16,971,639$15,986,101$19,033,254
56$22,762,259$17,767,769$16,486,156$20,238,729
57$25,047,412$18,601,793$17,001,845$21,537,645
58$27,564,498$19,475,531$17,533,657$22,938,292
59$30,337,138$20,390,893$18,082,095$24,449,752
60$33,391,361$21,349,881$18,647,680$26,081,975
61$36,755,849$22,354,595$19,230,946$27,845,866
62$40,462,209$23,407,234$19,832,447$29,753,382
63$44,545,273$24,510,107$20,452,752$31,817,634
64$49,043,420$25,665,631$21,092,449$34,053,002
65$53,998,946$26,876,344$21,752,143$36,475,262
66$59,458,458$28,144,905$22,432,459$39,101,725
67$65,473,316$29,474,101$23,134,043$41,951,390
68$72,100,118$30,866,855$23,857,557$45,045,113
69$79,401,232$32,326,233$24,603,687$48,405,791
70$87,445,388$33,855,448$25,373,140$52,058,571
71$96,308,322$35,457,870$26,166,645$56,031,067
72$106,073,495$37,137,030$26,984,952$60,353,619
73$116,832,881$38,896,633$27,828,837$65,059,555
74$128,687,830$40,740,564$28,699,098$70,185,497
75$141,750,031$42,672,894$29,596,560$75,771,695
76$156,142,562$44,697,894$30,522,073$81,862,383
77$172,001,053$46,820,040$31,476,512$88,506,190
78$189,474,966$49,044,028$32,460,781$95,756,575
79$208,729,007$51,374,780$33,475,812$103,672,317
80$229,944,680$53,817,459$34,522,566$112,318,053
81$253,321,999$56,377,476$35,602,034$121,764,867
82$279,081,378$59,060,507$36,715,237$132,090,939
83$307,465,710$61,872,503$37,863,229$143,382,266
84$338,742,662$64,819,706$39,047,096$155,733,450
85$373,207,200$67,908,657$40,267,961$169,248,566
86$411,184,374$71,146,221$41,526,976$184,042,125
87$453,032,385$74,539,591$42,825,335$200,240,125
88$499,145,971$78,096,313$44,164,266$217,981,215
89$549,960,127$81,824,300$45,545,036$237,417,979
90$605,954,217$85,731,847$46,968,952$258,718,343
91$667,656,496$89,827,657$48,437,361$282,067,135
92$735,649,099$94,120,852$49,951,653$307,667,794
93$810,573,534$98,621,001$51,513,260$335,744,258
94$893,136,740$103,338,135$53,123,660$366,543,045
95$984,117,761$108,282,778$54,784,376$400,335,542
96$1,084,375,101$113,465,962$56,496,981$437,420,530
97$1,194,854,825$118,899,258$58,263,093$478,126,962
98$1,316,599,495$124,594,799$60,084,385$522,817,032
99$1,450,758,009$130,565,311$61,962,578$571,889,544
100$1,598,596,452$136,824,136$63,899,449$625,783,637