Can I retire at age 52 with 14,300,000?

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 $14,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$1,180,881$1,170,362$1,160,100$1,150,083$1,140,302$1,100,281
2 years$584,594$573,707$563,155$552,924$543,001$503,101
3 years$385,858$374,924$364,399$354,264$344,502$305,976
4 years$286,510$275,609$265,189$255,227$245,702$208,845
5 years$226,916$216,081$205,797$196,039$186,779$151,687
6 years$187,200$176,446$166,315$156,774$147,792$114,493
7 years$158,843$148,179$138,208$128,893$120,194$88,681
8 years$137,584$127,017$117,212$108,125$99,713$69,960
9 years$121,058$110,591$100,954$92,098$83,972$55,942
10 years$107,846$97,481$88,014$79,390$71,549$45,193
11 years$97,042$86,781$77,486$69,093$61,534$36,800
12 years$88,046$77,890$68,767$60,604$53,324$30,153
13 years$80,440$70,390$61,439$53,504$46,500$24,829
14 years$73,925$63,982$55,203$47,495$40,761$20,528
15 years$68,285$58,449$49,841$42,357$35,890$17,026
16 years$63,354$53,626$45,188$37,926$31,719$14,159
17 years$59,008$49,388$41,120$34,076$28,125$11,801
18 years$55,150$45,636$37,537$30,710$25,007$9,852
19 years$51,701$42,295$34,363$27,749$22,289$8,238
20 years$48,601$39,303$31,537$25,132$19,909$6,897
21 years$45,800$36,609$29,008$22,809$17,817$5,780
22 years$43,257$34,173$26,735$20,738$15,970$4,848
23 years$40,939$31,961$24,685$18,887$14,336$4,069
24 years$38,817$29,946$22,830$17,226$12,885$3,417
25 years$36,868$28,103$21,145$15,732$11,595$2,871
26 years$35,071$26,412$19,611$14,384$10,444$2,414
27 years$33,411$24,857$18,210$13,166$9,416$2,030
28 years$31,872$23,422$16,929$12,063$8,496$1,707
29 years$30,441$22,096$15,754$11,062$7,672$1,436
30 years$29,109$20,868$14,674$10,152$6,932$1,209
31 years$27,864$19,727$13,680$9,324$6,267$1,017
32 years$26,700$18,666$12,764$8,569$5,669$856
33 years$25,609$17,677$11,918$7,880$5,131$721
34 years$24,584$16,753$11,135$7,250$4,645$607
35 years$23,620$15,890$10,411$6,674$4,207$511
36 years$22,712$15,082$9,739$6,147$3,812$431
37 years$21,854$14,325$9,115$5,663$3,455$363
38 years$21,044$13,614$8,536$5,220$3,132$305
39 years$20,277$12,945$7,997$4,813$2,840$257
40 years$19,550$12,316$7,496$4,440$2,576$217
41 years$18,861$11,724$7,029$4,096$2,337$182
42 years$18,206$11,165$6,593$3,780$2,121$154
43 years$17,583$10,638$6,187$3,490$1,925$129
44 years$16,990$10,141$5,808$3,222$1,747$109
45 years$16,426$9,670$5,453$2,976$1,586$92
46 years$15,887$9,225$5,122$2,749$1,440$77
47 years$15,373$8,803$4,812$2,539$1,308$65
48 years$14,881$8,404$4,522$2,346$1,188$55
49 years$14,411$8,025$4,250$2,169$1,079$46
50 years$13,962$7,666$3,996$2,004$980$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $14,300,000, adding $2,598 every year, while hoping to spend $40,081 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: 31/50/19 Blend
51$14,300,000$14,300,000$14,300,000$14,300,000
52$15,761,280$15,003,380$14,781,730$16,156,088
53$17,326,285$15,695,900$15,234,272$17,145,647
54$19,049,576$16,421,009$15,700,631$18,206,339
55$20,947,258$17,180,264$16,181,227$19,347,313
56$23,037,074$17,975,293$16,676,494$20,575,571
57$25,338,577$18,807,804$17,186,878$21,898,776
58$27,873,313$19,679,587$17,712,839$23,325,318
59$30,665,023$20,592,518$18,254,851$24,864,385
60$33,739,869$21,548,566$18,813,403$26,526,042
61$37,126,681$22,549,790$19,388,997$28,321,317
62$40,857,226$23,598,353$19,982,151$30,262,300
63$44,966,510$24,696,520$20,593,401$32,362,241
64$49,493,109$25,846,665$21,223,295$34,635,672
65$54,479,533$27,051,278$21,872,402$37,098,533
66$59,972,622$28,312,967$22,541,304$39,768,310
67$66,023,996$29,634,469$23,230,604$42,664,188
68$72,690,537$31,018,651$23,940,922$45,807,226
69$80,034,925$32,468,519$24,672,897$49,220,540
70$88,126,235$33,987,224$25,427,187$52,929,507
71$97,040,582$35,578,069$26,204,469$56,961,998
72$106,861,845$37,244,518$27,005,442$61,348,620
73$117,682,455$38,990,202$27,830,826$66,122,996
74$129,604,270$40,818,926$28,681,363$71,322,064
75$142,739,533$42,734,681$29,557,817$76,986,412
76$157,211,936$44,741,650$30,460,973$83,160,644
77$173,157,781$46,844,219$31,391,645$89,893,784
78$190,727,276$49,046,987$32,350,665$97,239,721
79$210,085,942$51,354,773$33,338,896$105,257,699
80$231,416,183$53,772,632$34,357,224$114,012,854
81$254,919,005$56,305,862$35,406,563$123,576,815
82$280,815,914$58,960,020$36,487,853$134,028,350
83$309,351,005$61,740,929$37,602,064$145,454,093
84$340,793,269$64,654,696$38,750,195$157,949,336
85$375,439,131$67,707,725$39,933,275$171,618,904
86$413,615,247$70,906,728$41,152,364$186,578,119
87$455,681,588$74,258,743$42,408,555$202,953,860
88$502,034,840$77,771,152$43,702,971$220,885,735
89$553,112,147$81,451,691$45,036,773$240,527,368
90$609,395,235$85,308,473$46,411,155$262,047,816
91$671,414,967$89,350,006$47,827,346$285,633,135
92$739,756,346$93,585,209$49,286,615$311,488,103
93$815,064,043$98,023,433$50,790,266$339,838,113
94$898,048,480$102,674,486$52,339,644$370,931,268
95$989,492,539$107,548,650$53,936,136$405,040,680
96$1,090,258,949$112,656,706$55,581,169$442,467,012
97$1,201,298,437$118,009,959$57,276,212$483,541,269
98$1,323,658,693$123,620,263$59,022,781$528,627,878
99$1,458,494,272$129,500,048$60,822,437$578,128,084
100$1,607,077,486$135,662,348$62,676,786$632,483,687