Can I retire at age 52 with 14,400,000?

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 $14,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$1,189,139$1,178,546$1,168,212$1,158,125$1,148,276$1,130,650
2 years$588,682$577,719$567,093$556,791$546,798$529,083
3 years$388,557$377,546$366,947$356,741$346,911$329,658
4 years$288,513$277,536$267,043$257,012$247,420$230,761
5 years$228,503$217,592$207,237$197,410$188,085$172,069
6 years$188,509$177,680$167,478$157,870$148,825$133,471
7 years$159,953$149,215$139,175$129,794$121,035$106,348
8 years$138,546$127,905$118,031$108,881$100,410$86,387
9 years$121,905$111,364$101,660$92,742$84,560$71,194
10 years$108,600$98,162$88,630$79,945$72,049$59,330
11 years$97,721$87,388$78,028$69,576$61,965$49,879
12 years$88,662$78,435$69,248$61,027$53,697$42,230
13 years$81,002$70,882$61,869$53,878$46,825$35,961
14 years$74,442$64,430$55,589$47,827$41,047$30,767
15 years$68,762$58,858$50,190$42,653$36,141$26,427
16 years$63,797$54,001$45,504$38,191$31,941$22,775
17 years$59,421$49,733$41,407$34,315$28,321$19,682
18 years$55,535$45,955$37,799$30,924$25,182$17,049
19 years$52,063$42,591$34,603$27,943$22,445$14,799
20 years$48,941$39,578$31,757$25,308$20,048$12,868
21 years$46,120$36,865$29,211$22,968$17,941$11,205
22 years$43,560$34,412$26,922$20,883$16,082$9,770
23 years$41,225$32,185$24,858$19,019$14,436$8,528
24 years$39,088$30,155$22,989$17,346$12,975$7,451
25 years$37,125$28,299$21,293$15,842$11,676$6,515
26 years$35,316$26,597$19,748$14,485$10,517$5,701
27 years$33,644$25,031$18,338$13,258$9,482$4,992
28 years$32,094$23,586$17,047$12,147$8,556$4,374
29 years$30,654$22,251$15,864$11,139$7,726$3,834
30 years$29,312$21,014$14,777$10,223$6,981$3,362
31 years$28,059$19,865$13,776$9,389$6,311$2,949
32 years$26,887$18,796$12,853$8,629$5,709$2,588
33 years$25,788$17,800$12,001$7,935$5,167$2,271
34 years$24,756$16,871$11,213$7,301$4,678$1,994
35 years$23,785$16,002$10,483$6,721$4,237$1,751
36 years$22,871$15,188$9,807$6,190$3,839$1,538
37 years$22,007$14,425$9,179$5,703$3,479$1,351
38 years$21,191$13,709$8,596$5,257$3,154$1,187
39 years$20,419$13,036$8,053$4,847$2,860$1,043
40 years$19,687$12,402$7,548$4,471$2,594$917
41 years$18,993$11,806$7,078$4,125$2,354$806
42 years$18,333$11,244$6,639$3,807$2,136$708
43 years$17,706$10,713$6,230$3,514$1,938$622
44 years$17,109$10,212$5,848$3,245$1,759$547
45 years$16,540$9,738$5,491$2,996$1,597$481
46 years$15,998$9,289$5,157$2,768$1,450$423
47 years$15,480$8,865$4,845$2,557$1,317$372
48 years$14,985$8,463$4,553$2,363$1,196$327
49 years$14,512$8,081$4,280$2,184$1,086$287
50 years$14,059$7,720$4,024$2,018$987$253

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $14,400,000, adding $3,824 every year, while hoping to spend $47,633 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: 60/19/21 Blend
51$14,400,000$14,400,000$14,400,000$14,400,000
52$15,872,744$15,109,544$14,886,344$16,737,094
53$17,441,083$15,799,231$15,334,356$18,013,011
54$19,167,796$16,521,116$15,795,779$19,398,861
55$21,068,987$17,276,726$16,271,013$20,909,799
56$23,162,401$18,067,663$16,760,469$22,557,967
57$25,467,591$18,895,603$17,264,570$24,356,719
58$28,006,102$19,762,305$17,783,751$26,320,746
59$30,801,678$20,669,612$18,318,460$28,466,211
60$33,880,480$21,619,453$18,869,159$30,810,897
61$37,271,335$22,613,853$19,436,322$33,374,373
62$41,006,013$23,654,932$20,020,440$36,178,172
63$45,119,516$24,744,915$20,622,015$39,245,991
64$49,650,420$25,886,129$21,241,566$42,603,913
65$54,641,231$27,081,017$21,879,626$46,280,646
66$60,138,788$28,332,138$22,536,745$50,307,789
67$66,194,707$29,642,175$23,213,489$54,720,129
68$72,865,865$31,013,940$23,910,438$59,555,958
69$80,214,939$32,450,379$24,628,194$64,857,438
70$88,310,996$33,954,581$25,367,372$70,670,984
71$97,230,146$35,529,784$26,128,608$77,047,705
72$107,056,260$37,179,382$26,912,555$84,043,873
73$117,881,760$38,906,933$27,719,886$91,721,454
74$129,808,492$40,716,165$28,551,295$100,148,682
75$142,948,688$42,610,988$29,407,494$109,400,699
76$157,426,026$44,595,498$30,289,216$119,560,258
77$173,376,795$46,673,991$31,197,219$130,718,491
78$190,951,181$48,850,970$32,132,279$142,975,770
79$210,314,688$51,131,154$33,095,197$156,442,641
80$231,649,697$53,519,492$34,086,797$171,240,858
81$255,157,189$56,021,170$35,107,928$187,504,528
82$281,058,641$58,641,626$36,159,462$205,381,365
83$309,598,116$61,386,559$37,242,298$225,034,077
84$341,044,570$64,261,947$38,357,361$246,641,887
85$375,694,387$67,274,053$39,505,603$270,402,221
86$413,874,178$70,429,445$40,688,005$296,532,557
87$455,943,865$73,735,009$41,905,574$325,272,466
88$502,300,078$77,197,963$43,159,349$356,885,863
89$553,379,898$80,825,874$44,450,398$391,663,489
90$609,664,983$84,626,678$45,779,822$429,925,635
91$671,686,117$88,608,691$47,148,753$472,025,160
92$740,028,220$92,780,635$48,558,354$518,350,803
93$815,335,865$97,151,654$50,009,826$569,330,841
94$898,319,371$101,731,332$51,504,403$625,437,114
95$989,761,500$106,529,721$53,043,354$687,189,465
96$1,090,524,853$111,557,357$54,627,986$755,160,628
97$1,201,560,011$116,825,290$56,259,646$829,981,623
98$1,323,914,505$122,345,103$57,939,718$912,347,688
99$1,458,742,713$128,128,941$59,669,626$1,003,024,826
100$1,607,316,748$134,189,538$61,450,838$1,102,857,017