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 $6,102 every year, while hoping to spend $27,285 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: 34/39/27 Blend
51$14,300,000$14,300,000$14,300,000$14,300,000
52$15,764,894$15,006,994$14,785,344$16,171,683
53$17,343,882$15,713,306$15,251,622$17,184,590
54$19,083,013$16,453,312$15,732,606$18,273,225
55$20,998,591$17,228,636$16,228,760$19,446,655
56$23,108,586$18,040,977$16,740,561$20,712,441
57$25,432,796$18,892,120$17,268,505$22,078,870
58$27,993,041$19,783,933$17,813,099$23,555,024
59$30,813,362$20,718,377$18,374,869$25,150,858
60$33,920,255$21,697,507$18,954,357$26,877,294
61$37,342,915$22,723,479$19,552,122$28,746,306
62$41,113,514$23,798,551$20,168,740$30,771,034
63$45,267,505$24,925,093$20,804,805$32,965,898
64$49,843,957$26,105,588$21,460,932$35,346,723
65$54,885,920$27,342,642$22,137,753$37,930,880
66$60,440,836$28,638,984$22,835,920$40,737,447
67$66,560,986$29,997,478$23,556,108$43,787,369
68$73,303,979$31,421,127$24,299,010$47,103,654
69$80,733,301$32,913,079$25,065,343$50,711,578
70$88,918,912$34,476,634$25,855,846$54,638,909
71$97,937,906$36,115,254$26,671,282$58,916,162
72$107,875,239$37,832,568$27,512,436$63,576,873
73$118,824,532$39,632,382$28,380,121$68,657,902
74$130,888,952$41,518,687$29,275,173$74,199,772
75$144,182,188$43,495,666$30,198,455$80,247,031
76$158,829,526$45,567,708$31,150,858$86,848,666
77$174,969,026$47,739,414$32,133,300$94,058,543
78$192,752,830$50,015,609$33,146,729$101,935,906
79$212,348,597$52,401,351$34,192,122$110,545,915
80$233,941,083$54,901,947$35,270,488$119,960,248
81$257,733,890$57,522,959$36,382,866$130,257,756
82$283,951,385$60,270,222$37,530,329$141,525,190
83$312,840,815$63,149,852$38,713,985$153,858,002
84$344,674,649$66,168,266$39,934,974$167,361,223
85$379,753,143$69,332,190$41,194,475$182,150,433
86$418,407,175$72,648,679$42,493,702$198,352,833
87$461,001,374$76,125,131$43,833,908$216,108,416
88$507,937,557$79,769,305$45,216,386$235,571,272
89$559,658,522$83,589,336$46,642,469$256,911,007
90$616,652,232$87,593,754$48,113,534$280,314,327
91$679,456,421$91,791,509$49,630,998$305,986,766
92$748,663,665$96,191,982$51,196,325$334,154,597
93$824,926,982$100,805,012$52,811,025$365,066,940
94$908,965,996$105,640,920$54,476,656$398,998,080
95$1,001,573,728$110,710,525$56,194,825$436,250,023
96$1,103,624,084$116,025,177$57,967,187$477,155,308
97$1,216,080,106$121,596,777$59,795,454$522,080,114
98$1,340,003,064$127,437,805$61,681,388$571,427,676
99$1,476,562,470$133,561,352$63,626,809$625,642,051
100$1,627,047,128$139,981,144$65,633,593$685,212,266