Can I retire at age 52 with 14,200,000?

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 $14,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$1,172,623$1,162,178$1,151,987$1,142,040$1,132,328$1,111,740
2 years$580,506$569,695$559,217$549,058$539,204$518,536
3 years$383,160$372,302$361,850$351,787$342,093$321,988
4 years$284,506$273,681$263,334$253,443$243,984$224,597
5 years$225,329$214,569$204,358$194,668$185,472$166,860
6 years$185,891$175,212$165,152$155,678$146,758$128,940
7 years$157,732$147,143$137,242$127,991$119,354$102,335
8 years$136,622$126,129$116,392$107,369$99,015$82,792
9 years$120,212$109,818$100,248$91,454$83,385$67,947
10 years$107,092$96,799$87,399$78,834$71,048$56,382
11 years$96,364$86,174$76,945$68,610$61,104$47,193
12 years$87,430$77,345$68,286$60,180$52,951$39,777
13 years$79,877$69,898$61,009$53,130$46,175$33,715
14 years$73,408$63,535$54,817$47,163$40,476$28,710
15 years$67,807$58,040$49,493$42,061$35,639$24,543
16 years$62,911$53,251$44,872$37,661$31,498$21,047
17 years$58,596$49,042$40,832$33,838$27,928$18,098
18 years$54,764$45,317$37,274$30,495$24,832$15,598
19 years$51,339$41,999$34,123$27,555$22,133$13,470
20 years$48,261$39,028$31,316$24,956$19,770$11,651
21 years$45,480$36,353$28,805$22,649$17,692$10,092
22 years$42,955$33,934$26,548$20,593$15,858$8,752
23 years$40,653$31,738$24,513$18,755$14,235$7,598
24 years$38,545$29,736$22,670$17,105$12,795$6,602
25 years$36,610$27,906$20,997$15,622$11,514$5,741
26 years$34,826$26,227$19,474$14,284$10,371$4,996
27 years$33,177$24,683$18,083$13,074$9,350$4,350
28 years$31,649$23,259$16,810$11,979$8,437$3,790
29 years$30,228$21,942$15,644$10,985$7,618$3,303
30 years$28,905$20,722$14,571$10,081$6,884$2,880
31 years$27,670$19,589$13,584$9,259$6,224$2,511
32 years$26,514$18,535$12,675$8,509$5,630$2,191
33 years$25,430$17,553$11,834$7,825$5,095$1,912
34 years$24,412$16,636$11,057$7,200$4,613$1,669
35 years$23,455$15,779$10,338$6,628$4,178$1,457
36 years$22,553$14,977$9,671$6,104$3,785$1,272
37 years$21,701$14,225$9,052$5,624$3,431$1,111
38 years$20,897$13,518$8,476$5,184$3,110$970
39 years$20,135$12,855$7,942$4,780$2,821$847
40 years$19,414$12,230$7,444$4,408$2,558$740
41 years$18,729$11,642$6,980$4,067$2,321$647
42 years$18,079$11,087$6,547$3,754$2,106$565
43 years$17,460$10,564$6,144$3,465$1,911$494
44 years$16,872$10,070$5,767$3,199$1,735$431
45 years$16,311$9,602$5,415$2,955$1,575$377
46 years$15,776$9,160$5,086$2,729$1,430$329
47 years$15,265$8,742$4,778$2,522$1,299$288
48 years$14,777$8,345$4,490$2,330$1,179$252
49 years$14,311$7,969$4,220$2,153$1,071$220
50 years$13,864$7,612$3,968$1,990$973$192

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $14,200,000, adding $5,507 every year, while hoping to spend $36,404 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: 59/19/22 Blend
51$14,200,000$14,200,000$14,200,000$14,200,000
52$15,654,080$14,901,480$14,681,380$16,485,653
53$17,212,063$15,592,919$15,134,473$17,742,866
54$18,927,740$16,317,019$15,601,524$19,108,972
55$20,817,157$17,075,341$16,082,963$20,598,136
56$22,897,997$17,869,522$16,579,232$22,222,281
57$25,189,743$18,701,279$17,090,787$23,994,521
58$27,713,866$19,572,411$17,618,097$25,929,282
59$30,494,025$20,484,803$18,161,648$28,042,431
60$33,556,290$21,440,434$18,721,938$30,351,428
61$36,929,391$22,441,374$19,299,482$32,875,480
62$40,644,984$23,489,796$19,894,810$35,635,725
63$44,737,954$24,587,979$20,508,468$38,655,423
64$49,246,744$25,738,308$21,141,020$41,960,171
65$54,213,714$26,943,287$21,793,047$45,578,144
66$59,685,545$28,205,541$22,465,146$49,540,350
67$65,713,677$29,527,818$23,157,935$53,880,923
68$72,354,795$30,913,004$23,872,048$58,637,439
69$79,671,363$32,364,121$24,608,141$63,851,263
70$87,732,218$33,884,338$25,366,890$69,567,935
71$96,613,213$35,476,980$26,148,989$75,837,594
72$106,397,937$37,145,528$26,955,157$82,715,446
73$117,178,503$38,893,636$27,786,131$90,262,278
74$129,056,419$40,725,132$28,642,675$98,545,023
75$142,143,541$42,644,031$29,525,572$107,637,389
76$156,563,137$44,654,543$30,435,633$117,620,542
77$172,451,041$46,761,079$31,373,691$128,583,871
78$189,956,943$48,968,268$32,340,605$140,625,818
79$209,245,797$51,280,959$33,337,262$153,854,801
80$230,499,382$53,704,240$34,364,574$168,390,231
81$253,918,014$56,243,443$35,423,482$184,363,626
82$279,722,438$58,904,159$36,514,955$201,919,846
83$308,155,915$61,692,250$37,639,994$221,218,449
84$339,486,513$64,613,865$38,799,629$242,435,188
85$374,009,640$67,675,447$39,994,919$265,763,658
86$412,050,835$70,883,756$41,226,961$291,417,112
87$453,968,836$74,245,876$42,496,880$319,630,465
88$500,158,972$77,769,238$43,805,839$350,662,496
89$551,056,888$81,461,632$45,155,036$384,798,278
90$607,142,666$85,331,227$46,545,705$422,351,861
91$668,945,349$89,386,588$47,979,117$463,669,214
92$737,047,940$93,636,697$49,456,584$509,131,483
93$812,092,907$98,090,972$50,979,456$559,158,570
94$894,788,241$102,759,287$52,549,126$614,213,085
95$985,914,148$107,651,999$54,167,028$674,804,690
96$1,086,330,409$112,779,965$55,834,641$741,494,900
97$1,196,984,499$118,154,571$57,553,489$814,902,359
98$1,318,920,530$123,787,757$59,325,143$895,708,666
99$1,453,289,110$129,692,043$61,151,222$984,664,786
100$1,601,358,204$135,880,558$63,033,392$1,082,598,122