Can I retire at age 52 with 14,500,000?

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 $14,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$1,197,396$1,186,731$1,176,325$1,166,168$1,156,250$1,140,384
2 years$592,771$581,731$571,031$560,658$550,595$534,639
3 years$391,255$380,167$369,495$359,219$349,320$333,769
4 years$290,517$279,463$268,898$258,797$249,138$234,112
5 years$230,090$219,103$208,676$198,781$189,391$174,933
6 years$189,818$178,914$168,641$158,967$149,859$135,987
7 years$161,064$150,252$140,141$130,695$121,875$108,594
8 years$139,508$128,793$118,851$109,637$101,107$88,416
9 years$122,752$112,138$102,366$93,386$85,147$73,039
10 years$109,354$98,844$89,245$80,500$72,549$61,016
11 years$98,400$87,995$78,570$70,059$62,395$51,425
12 years$89,277$78,980$69,729$61,451$54,070$43,651
13 years$81,565$71,374$62,298$54,252$47,150$37,268
14 years$74,959$64,877$55,975$48,159$41,332$31,971
15 years$69,240$59,267$50,538$42,949$36,392$27,536
16 years$64,240$54,376$45,820$38,457$32,163$23,797
17 years$59,834$50,078$41,695$34,553$28,518$20,624
18 years$55,921$46,275$38,062$31,139$25,357$17,917
19 years$52,424$42,887$34,844$28,137$22,601$15,597
20 years$49,281$39,852$31,978$25,483$20,188$13,602
21 years$46,441$37,121$29,413$23,128$18,066$11,880
22 years$43,862$34,651$27,109$21,028$16,193$10,390
23 years$41,511$32,408$25,030$19,151$14,536$9,097
24 years$39,360$30,365$23,149$17,467$13,065$7,973
25 years$37,383$28,496$21,441$15,952$11,757$6,994
26 years$35,562$26,781$19,885$14,585$10,590$6,140
27 years$33,878$25,204$18,465$13,350$9,548$5,394
28 years$32,317$23,750$17,166$12,232$8,615$4,741
29 years$30,867$22,405$15,974$11,217$7,779$4,169
30 years$29,516$21,160$14,879$10,294$7,029$3,668
31 years$28,254$20,003$13,871$9,454$6,355$3,228
32 years$27,074$18,927$12,942$8,689$5,749$2,842
33 years$25,967$17,924$12,084$7,990$5,202$2,503
34 years$24,928$16,988$11,291$7,352$4,710$2,205
35 years$23,951$16,113$10,556$6,768$4,266$1,943
36 years$23,029$15,293$9,875$6,233$3,865$1,712
37 years$22,160$14,525$9,243$5,743$3,503$1,509
38 years$21,338$13,804$8,656$5,293$3,176$1,330
39 years$20,561$13,126$8,109$4,881$2,880$1,173
40 years$19,824$12,489$7,601$4,502$2,612$1,034
41 years$19,125$11,888$7,127$4,153$2,370$912
42 years$18,461$11,322$6,686$3,833$2,151$805
43 years$17,829$10,787$6,273$3,538$1,952$710
44 years$17,228$10,282$5,889$3,267$1,772$626
45 years$16,655$9,805$5,529$3,017$1,608$552
46 years$16,109$9,354$5,193$2,787$1,460$487
47 years$15,588$8,926$4,879$2,575$1,326$430
48 years$15,089$8,521$4,585$2,379$1,204$379
49 years$14,613$8,138$4,310$2,199$1,094$335
50 years$14,157$7,773$4,052$2,032$993$295

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $14,500,000, adding $2,607 every year, while hoping to spend $48,566 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: 47/36/17 Blend
51$14,500,000$14,500,000$14,500,000$14,500,000
52$15,981,689$15,213,189$14,988,439$16,655,867
53$17,560,148$15,906,962$15,438,878$17,818,425
54$19,297,981$16,633,101$15,902,779$19,074,358
55$21,211,395$17,393,142$16,380,541$20,436,474
56$23,318,244$18,188,694$16,872,577$21,914,699
57$25,638,206$19,021,441$17,379,309$23,519,937
58$28,192,962$19,893,150$17,901,175$25,264,160
59$31,006,401$20,805,672$18,438,622$27,160,520
60$34,104,851$21,760,947$18,992,112$29,223,466
61$37,517,321$22,761,008$19,562,123$31,468,876
62$41,275,776$23,807,986$20,149,142$33,914,196
63$45,415,442$24,904,114$20,753,675$36,578,603
64$49,975,134$26,051,732$21,376,241$39,483,176
65$54,997,625$27,253,295$22,017,372$42,651,090
66$60,530,049$28,511,372$22,677,620$46,107,825
67$66,624,344$29,828,659$23,357,550$49,881,398
68$73,337,744$31,207,981$24,057,745$54,002,623
69$80,733,319$32,652,297$24,778,805$58,505,391
70$88,880,570$34,164,712$25,521,347$63,426,977
71$97,856,082$35,748,476$26,286,006$68,808,390
72$107,744,251$37,407,001$27,073,436$74,694,744
73$118,638,080$39,143,859$27,884,311$81,135,677
74$130,640,052$40,962,796$28,719,324$88,185,805
75$143,863,104$42,867,740$29,579,188$95,905,232
76$158,431,687$44,862,805$30,464,637$104,360,098
77$174,482,943$46,952,307$31,376,426$113,623,199
78$192,168,001$49,140,767$32,315,334$123,774,654
79$211,653,400$51,432,928$33,282,161$134,902,652
80$233,122,665$53,833,760$34,277,731$147,104,269
81$256,778,034$56,348,471$35,302,892$160,486,370
82$282,842,371$58,982,524$36,358,518$175,166,601
83$311,561,270$61,741,645$37,445,505$191,274,485
84$343,205,369$64,631,835$38,564,779$208,952,627
85$378,072,909$67,659,387$39,717,291$228,358,039
86$416,492,547$70,830,899$40,904,022$249,663,612
87$458,826,458$74,153,284$42,125,978$273,059,718
88$505,473,756$77,633,794$43,384,197$298,755,995
89$556,874,259$81,280,030$44,679,748$326,983,301
90$613,512,642$85,099,959$46,013,727$357,995,871
91$675,923,012$89,101,938$47,387,268$392,073,695
92$744,693,950$93,294,723$48,801,532$429,525,134
93$820,474,067$97,687,500$50,257,718$470,689,810
94$903,978,129$102,289,894$51,757,058$515,941,779
95$995,993,799$107,112,000$53,300,821$565,693,041
96$1,097,389,080$112,164,402$54,890,312$620,397,394
97$1,209,120,503$117,458,194$56,526,875$680,554,691
98$1,332,242,160$123,005,011$58,211,890$746,715,525
99$1,467,915,654$128,817,050$59,946,782$819,486,393
100$1,617,421,065$134,907,100$61,733,014$899,535,388