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%13.1%
1 years$1,172,623$1,162,178$1,151,987$1,142,040$1,132,328$1,117,715
2 years$580,506$569,695$559,217$549,058$539,204$524,503
3 years$383,160$372,302$361,850$351,787$342,093$327,760
4 years$284,506$273,681$263,334$253,443$243,984$230,130
5 years$225,329$214,569$204,358$194,668$185,472$172,138
6 years$185,891$175,212$165,152$155,678$146,758$133,958
7 years$157,732$147,143$137,242$127,991$119,354$107,094
8 years$136,622$126,129$116,392$107,369$99,015$87,294
9 years$120,212$109,818$100,248$91,454$83,385$72,198
10 years$107,092$96,799$87,399$78,834$71,048$60,386
11 years$96,364$86,174$76,945$68,610$61,104$50,958
12 years$87,430$77,345$68,286$60,180$52,951$43,310
13 years$79,877$69,898$61,009$53,130$46,175$37,025
14 years$73,408$63,535$54,817$47,163$40,476$31,805
15 years$67,807$58,040$49,493$42,061$35,639$27,431
16 years$62,911$53,251$44,872$37,661$31,498$23,739
17 years$58,596$49,042$40,832$33,838$27,928$20,602
18 years$54,764$45,317$37,274$30,495$24,832$17,924
19 years$51,339$41,999$34,123$27,555$22,133$15,626
20 years$48,261$39,028$31,316$24,956$19,770$13,647
21 years$45,480$36,353$28,805$22,649$17,692$11,938
22 years$42,955$33,934$26,548$20,593$15,858$10,456
23 years$40,653$31,738$24,513$18,755$14,235$9,169
24 years$38,545$29,736$22,670$17,105$12,795$8,049
25 years$36,610$27,906$20,997$15,622$11,514$7,072
26 years$34,826$26,227$19,474$14,284$10,371$6,218
27 years$33,177$24,683$18,083$13,074$9,350$5,471
28 years$31,649$23,259$16,810$11,979$8,437$4,816
29 years$30,228$21,942$15,644$10,985$7,618$4,242
30 years$28,905$20,722$14,571$10,081$6,884$3,738
31 years$27,670$19,589$13,584$9,259$6,224$3,296
32 years$26,514$18,535$12,675$8,509$5,630$2,906
33 years$25,430$17,553$11,834$7,825$5,095$2,564
34 years$24,412$16,636$11,057$7,200$4,613$2,262
35 years$23,455$15,779$10,338$6,628$4,178$1,997
36 years$22,553$14,977$9,671$6,104$3,785$1,763
37 years$21,701$14,225$9,052$5,624$3,431$1,556
38 years$20,897$13,518$8,476$5,184$3,110$1,374
39 years$20,135$12,855$7,942$4,780$2,821$1,214
40 years$19,414$12,230$7,444$4,408$2,558$1,072
41 years$18,729$11,642$6,980$4,067$2,321$947
42 years$18,079$11,087$6,547$3,754$2,106$837
43 years$17,460$10,564$6,144$3,465$1,911$739
44 years$16,872$10,070$5,767$3,199$1,735$653
45 years$16,311$9,602$5,415$2,955$1,575$577
46 years$15,776$9,160$5,086$2,729$1,430$510
47 years$15,265$8,742$4,778$2,522$1,299$451
48 years$14,777$8,345$4,490$2,330$1,179$399
49 years$14,311$7,969$4,220$2,153$1,071$352
50 years$13,864$7,612$3,968$1,990$973$311

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 $4,570 every year, while hoping to spend $49,461 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: 81/9/10 Blend
51$14,200,000$14,200,000$14,200,000$14,200,000
52$15,653,114$14,900,514$14,680,414$16,895,835
53$17,197,105$15,578,013$15,119,582$18,388,566
54$18,896,926$16,287,052$15,571,804$20,019,687
55$20,768,419$17,029,124$16,037,465$21,808,559
56$22,829,040$17,805,793$16,516,963$23,770,951
57$25,098,025$18,618,700$17,010,704$25,924,232
58$27,596,570$19,469,563$17,519,109$28,287,526
59$30,348,031$20,360,182$18,042,610$30,881,897
60$33,378,144$21,292,444$18,581,651$33,730,542
61$36,715,269$22,268,328$19,136,691$36,859,009
62$40,390,656$23,289,906$19,708,199$40,295,438
63$44,438,741$24,359,350$20,296,662$44,070,821
64$48,897,470$25,478,935$20,902,578$48,219,298
65$53,808,658$26,651,049$21,526,460$52,778,471
66$59,218,382$27,878,191$22,168,838$57,789,760
67$65,177,417$29,162,983$22,830,254$63,298,792
68$71,741,714$30,508,170$23,511,268$69,355,829
69$78,972,930$31,916,631$24,212,456$76,016,236
70$86,939,007$33,391,384$24,934,412$83,341,007
71$95,714,816$34,935,592$25,677,745$91,397,335
72$105,382,860$36,552,568$26,443,082$100,259,243
73$116,034,056$38,245,789$27,231,069$110,008,279
74$127,768,591$40,018,894$28,042,372$120,734,286
75$140,696,870$41,875,702$28,877,674$132,536,243
76$154,940,553$43,820,214$29,737,678$145,523,199
77$170,633,709$45,856,624$30,623,110$159,815,296
78$187,924,078$47,989,329$31,534,714$175,544,903
79$206,974,464$50,222,937$32,473,258$192,857,858
80$227,964,277$52,562,278$33,439,530$211,914,842
81$251,091,221$55,012,418$34,434,342$232,892,892
82$276,573,163$57,578,663$35,458,529$255,987,069
83$304,650,188$60,266,580$36,512,953$281,412,293
84$335,586,866$63,082,002$37,598,496$309,405,365
85$369,674,750$66,031,043$38,716,069$340,227,204
86$407,235,126$69,120,116$39,866,608$374,165,298
87$448,622,047$72,355,939$41,051,077$411,536,417
88$494,225,675$75,745,560$42,270,468$452,689,596
89$544,475,965$79,296,363$43,525,800$498,009,424
90$599,846,722$83,016,093$44,818,122$547,919,667
91$660,860,073$86,912,868$46,148,515$602,887,268
92$728,091,399$90,995,197$47,518,089$663,426,739
93$802,174,764$95,272,004$48,927,988$730,105,021
94$883,808,901$99,752,643$50,379,386$803,546,821
95$973,763,807$104,446,921$51,873,493$884,440,507
96$1,072,888,015$109,365,120$53,411,555$973,544,594
97$1,182,116,602$114,518,020$54,994,852$1,071,694,903
98$1,302,480,016$119,916,923$56,624,700$1,179,812,435
99$1,435,113,805$125,573,680$58,302,455$1,298,912,064
100$1,581,269,337$131,500,714$60,029,511$1,430,112,101