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%17.3%
1 years$1,172,623$1,162,178$1,151,987$1,142,040$1,132,328$1,098,723
2 years$580,506$569,695$559,217$549,058$539,204$505,625
3 years$383,160$372,302$361,850$351,787$342,093$309,593
4 years$284,506$273,681$263,334$253,443$243,984$212,811
5 years$225,329$214,569$204,358$194,668$185,472$155,713
6 years$185,891$175,212$165,152$155,678$146,758$118,438
7 years$157,732$147,143$137,242$127,991$119,354$92,472
8 years$136,622$126,129$116,392$107,369$99,015$73,556
9 years$120,212$109,818$100,248$91,454$83,385$59,322
10 years$107,092$96,799$87,399$78,834$71,048$48,348
11 years$96,364$86,174$76,945$68,610$61,104$39,727
12 years$87,430$77,345$68,286$60,180$52,951$32,855
13 years$79,877$69,898$61,009$53,130$46,175$27,313
14 years$73,408$63,535$54,817$47,163$40,476$22,802
15 years$67,807$58,040$49,493$42,061$35,639$19,101
16 years$62,911$53,251$44,872$37,661$31,498$16,046
17 years$58,596$49,042$40,832$33,838$27,928$13,511
18 years$54,764$45,317$37,274$30,495$24,832$11,399
19 years$51,339$41,999$34,123$27,555$22,133$9,633
20 years$48,261$39,028$31,316$24,956$19,770$8,151
21 years$45,480$36,353$28,805$22,649$17,692$6,905
22 years$42,955$33,934$26,548$20,593$15,858$5,855
23 years$40,653$31,738$24,513$18,755$14,235$4,969
24 years$38,545$29,736$22,670$17,105$12,795$4,220
25 years$36,610$27,906$20,997$15,622$11,514$3,586
26 years$34,826$26,227$19,474$14,284$10,371$3,049
27 years$33,177$24,683$18,083$13,074$9,350$2,593
28 years$31,649$23,259$16,810$11,979$8,437$2,206
29 years$30,228$21,942$15,644$10,985$7,618$1,877
30 years$28,905$20,722$14,571$10,081$6,884$1,598
31 years$27,670$19,589$13,584$9,259$6,224$1,361
32 years$26,514$18,535$12,675$8,509$5,630$1,159
33 years$25,430$17,553$11,834$7,825$5,095$987
34 years$24,412$16,636$11,057$7,200$4,613$841
35 years$23,455$15,779$10,338$6,628$4,178$716
36 years$22,553$14,977$9,671$6,104$3,785$610
37 years$21,701$14,225$9,052$5,624$3,431$520
38 years$20,897$13,518$8,476$5,184$3,110$443
39 years$20,135$12,855$7,942$4,780$2,821$378
40 years$19,414$12,230$7,444$4,408$2,558$322
41 years$18,729$11,642$6,980$4,067$2,321$274
42 years$18,079$11,087$6,547$3,754$2,106$234
43 years$17,460$10,564$6,144$3,465$1,911$199
44 years$16,872$10,070$5,767$3,199$1,735$170
45 years$16,311$9,602$5,415$2,955$1,575$145
46 years$15,776$9,160$5,086$2,729$1,430$123
47 years$15,265$8,742$4,778$2,522$1,299$105
48 years$14,777$8,345$4,490$2,330$1,179$90
49 years$14,311$7,969$4,220$2,153$1,071$76
50 years$13,864$7,612$3,968$1,990$973$65

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 $2,511 every year, while hoping to spend $30,850 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: 48/34/18 Blend
51$14,200,000$14,200,000$14,200,000$14,200,000
52$15,650,990$14,898,390$14,678,290$16,322,824
53$17,214,567$15,595,587$15,137,189$17,486,462
54$18,936,595$16,325,913$15,610,426$18,745,935
55$20,833,203$17,090,958$16,098,451$20,112,889
56$22,922,165$17,892,390$16,601,724$21,597,408
57$25,223,066$18,731,957$17,120,723$23,210,563
58$27,757,488$19,611,493$17,655,937$24,964,516
59$30,549,215$20,532,919$18,207,873$26,872,627
60$33,624,452$21,498,249$18,777,054$28,949,573
61$37,012,078$22,509,596$19,364,018$31,211,484
62$40,743,917$23,569,173$19,969,319$33,676,085
63$44,855,037$24,679,303$20,593,532$36,362,863
64$49,384,082$25,842,419$21,237,246$39,293,234
65$54,373,634$27,061,074$21,901,070$42,490,749
66$59,870,621$28,337,943$22,585,632$45,981,299
67$65,926,753$29,675,831$23,291,579$49,793,360
68$72,599,014$31,077,679$24,019,579$53,958,247
69$79,950,200$32,546,571$24,770,321$58,510,403
70$88,049,508$34,085,741$25,544,515$63,487,719
71$96,973,193$35,698,578$26,342,892$68,931,874
72$106,805,288$37,388,637$27,166,208$74,888,726
73$117,638,393$39,159,646$28,015,241$81,408,732
74$129,574,551$41,015,511$28,890,794$88,547,412
75$142,726,215$42,960,330$29,793,695$96,365,864
76$157,217,302$44,998,400$30,724,797$104,931,327
77$173,184,371$47,134,225$31,684,982$114,317,805
78$190,777,904$49,372,529$32,675,156$124,606,752
79$210,163,732$51,718,265$33,696,255$135,887,826
80$231,524,599$54,176,627$34,749,246$148,259,723
81$255,061,885$56,753,059$35,835,123$161,831,093
82$280,997,511$59,453,272$36,954,913$176,721,551
83$309,576,029$62,283,254$38,109,675$193,062,788
84$341,066,934$65,249,284$39,300,499$210,999,798
85$375,767,207$68,357,944$40,528,511$230,692,230
86$414,004,118$71,616,140$41,794,873$252,315,876
87$456,138,318$75,031,110$43,100,780$276,064,309
88$502,567,237$78,610,445$44,447,467$302,150,693
89$553,728,845$82,362,107$45,836,207$330,809,771
90$610,105,779$86,294,442$47,268,312$362,300,062
91$672,229,903$90,416,204$48,745,135$396,906,272
92$740,687,327$94,736,572$50,268,071$434,941,967
93$816,123,943$99,265,173$51,838,560$476,752,496
94$899,251,519$104,012,100$53,458,085$522,718,234
95$990,854,420$108,987,939$55,128,177$573,258,139
96$1,091,797,013$114,203,790$56,850,414$628,833,679
97$1,203,031,827$119,671,295$58,626,421$689,953,158
98$1,325,608,545$125,402,659$60,457,878$757,176,483
99$1,460,683,913$131,410,687$62,346,514$831,120,415
100$1,609,532,663$137,708,801$64,294,113$912,464,356