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

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 $14,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$1,180,881$1,170,362$1,160,100$1,150,083$1,140,302$1,103,800
2 years$584,594$573,707$563,155$552,924$543,001$506,563
3 years$385,858$374,924$364,399$354,264$344,502$309,271
4 years$286,510$275,609$265,189$255,227$245,702$211,947
5 years$226,916$216,081$205,797$196,039$186,779$154,591
6 years$187,200$176,446$166,315$156,774$147,792$117,199
7 years$158,843$148,179$138,208$128,893$120,194$91,193
8 years$137,584$127,017$117,212$108,125$99,713$72,282
9 years$121,058$110,591$100,954$92,098$83,972$58,082
10 years$107,846$97,481$88,014$79,390$71,549$47,159
11 years$97,042$86,781$77,486$69,093$61,534$38,600
12 years$88,046$77,890$68,767$60,604$53,324$31,797
13 years$80,440$70,390$61,439$53,504$46,500$26,326
14 years$73,925$63,982$55,203$47,495$40,761$21,886
15 years$68,285$58,449$49,841$42,357$35,890$18,257
16 years$63,354$53,626$45,188$37,926$31,719$15,271
17 years$59,008$49,388$41,120$34,076$28,125$12,802
18 years$55,150$45,636$37,537$30,710$25,007$10,752
19 years$51,701$42,295$34,363$27,749$22,289$9,045
20 years$48,601$39,303$31,537$25,132$19,909$7,619
21 years$45,800$36,609$29,008$22,809$17,817$6,425
22 years$43,257$34,173$26,735$20,738$15,970$5,422
23 years$40,939$31,961$24,685$18,887$14,336$4,580
24 years$38,817$29,946$22,830$17,226$12,885$3,871
25 years$36,868$28,103$21,145$15,732$11,595$3,274
26 years$35,071$26,412$19,611$14,384$10,444$2,770
27 years$33,411$24,857$18,210$13,166$9,416$2,344
28 years$31,872$23,422$16,929$12,063$8,496$1,985
29 years$30,441$22,096$15,754$11,062$7,672$1,681
30 years$29,109$20,868$14,674$10,152$6,932$1,424
31 years$27,864$19,727$13,680$9,324$6,267$1,206
32 years$26,700$18,666$12,764$8,569$5,669$1,022
33 years$25,609$17,677$11,918$7,880$5,131$866
34 years$24,584$16,753$11,135$7,250$4,645$734
35 years$23,620$15,890$10,411$6,674$4,207$622
36 years$22,712$15,082$9,739$6,147$3,812$528
37 years$21,854$14,325$9,115$5,663$3,455$447
38 years$21,044$13,614$8,536$5,220$3,132$379
39 years$20,277$12,945$7,997$4,813$2,840$322
40 years$19,550$12,316$7,496$4,440$2,576$273
41 years$18,861$11,724$7,029$4,096$2,337$231
42 years$18,206$11,165$6,593$3,780$2,121$196
43 years$17,583$10,638$6,187$3,490$1,925$166
44 years$16,990$10,141$5,808$3,222$1,747$141
45 years$16,426$9,670$5,453$2,976$1,586$120
46 years$15,887$9,225$5,122$2,749$1,440$101
47 years$15,373$8,803$4,812$2,539$1,308$86
48 years$14,881$8,404$4,522$2,346$1,188$73
49 years$14,411$8,025$4,250$2,169$1,079$62
50 years$13,962$7,666$3,996$2,004$980$53

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 $3,174 every year, while hoping to spend $52,632 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: 71/16/13 Blend
51$14,300,000$14,300,000$14,300,000$14,300,000
52$15,761,874$15,003,974$14,782,324$16,836,475
53$17,313,585$15,683,169$15,221,532$18,228,586
54$19,021,807$16,393,880$15,673,689$19,745,317
55$20,902,447$17,137,596$16,139,174$21,404,287
56$22,973,037$17,915,878$16,618,376$23,219,527
57$25,252,890$18,730,360$17,111,695$25,206,476
58$27,763,291$19,582,754$17,619,543$27,382,131
59$30,527,693$20,474,855$18,142,345$29,765,200
60$33,571,940$21,408,545$18,680,535$32,376,278
61$36,924,508$22,385,794$19,234,563$35,238,038
62$40,616,777$23,408,667$19,804,890$38,375,440
63$44,683,326$24,479,329$20,391,991$41,815,966
64$49,162,257$25,600,048$20,996,355$45,589,875
65$54,095,558$26,773,202$21,618,484$49,730,487
66$59,529,496$28,001,280$22,258,895$54,274,489
67$65,515,056$29,286,894$22,918,119$59,262,281
68$72,108,421$30,632,780$23,596,704$64,738,357
69$79,371,499$32,041,806$24,295,213$70,751,711
70$87,372,514$33,516,976$25,014,225$77,356,306
71$96,186,644$35,061,442$25,754,335$84,611,571
72$105,896,732$36,678,503$26,516,156$92,582,961
73$116,594,069$38,371,620$27,300,318$101,342,569
74$128,379,255$40,144,420$28,107,469$110,969,804
75$141,363,146$42,000,704$28,938,276$121,552,128
76$155,667,904$43,944,456$29,793,426$133,185,885
77$171,428,148$45,979,852$30,673,623$145,977,199
78$188,792,223$48,111,268$31,579,593$160,042,971
79$207,923,603$50,343,294$32,512,084$175,511,978
80$229,002,434$52,680,739$33,471,861$192,526,079
81$252,227,229$55,128,642$34,459,716$211,241,547
82$277,816,751$57,692,289$35,476,460$231,830,543
83$306,012,067$60,377,219$36,522,929$254,482,727
84$337,078,832$63,189,238$37,599,982$279,407,040
85$371,309,794$66,134,431$38,708,503$306,833,677
86$409,027,555$69,219,181$39,849,400$337,016,239
87$450,587,619$72,450,174$41,023,608$370,234,131
88$496,381,746$75,834,422$42,232,088$406,795,177
89$546,841,651$79,379,275$43,475,830$447,038,529
90$602,443,079$83,092,439$44,755,849$491,337,848
91$663,710,294$86,981,990$46,073,192$540,104,828
92$731,221,034$91,056,397$47,428,934$593,793,065
93$805,611,956$95,324,537$48,824,180$652,902,333
94$887,584,653$99,795,717$50,260,067$717,983,288
95$977,912,274$104,479,694$51,737,766$789,642,653
96$1,077,446,823$109,386,696$53,258,478$868,548,930
97$1,187,127,202$114,527,447$54,823,440$955,438,703
98$1,307,988,075$119,913,190$56,433,923$1,051,123,571
99$1,441,169,635$125,555,712$58,091,236$1,156,497,799
100$1,587,928,367$131,467,372$59,796,722$1,272,546,741