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%14.9%
1 years$1,197,396$1,186,731$1,176,325$1,166,168$1,156,250$1,132,905
2 years$592,771$581,731$571,031$560,658$550,595$527,178
3 years$391,255$380,167$369,495$359,219$349,320$326,561
4 years$290,517$279,463$268,898$258,797$249,138$227,212
5 years$230,090$219,103$208,676$198,781$189,391$168,360
6 years$189,818$178,914$168,641$158,967$149,859$129,747
7 years$161,064$150,252$140,141$130,695$121,875$102,686
8 years$139,508$128,793$118,851$109,637$101,107$82,836
9 years$122,752$112,138$102,366$93,386$85,147$67,780
10 years$109,354$98,844$89,245$80,500$72,549$56,071
11 years$98,400$87,995$78,570$70,059$62,395$46,785
12 years$89,277$78,980$69,729$61,451$54,070$39,305
13 years$81,565$71,374$62,298$54,252$47,150$33,205
14 years$74,959$64,877$55,975$48,159$41,332$28,181
15 years$69,240$59,267$50,538$42,949$36,392$24,006
16 years$64,240$54,376$45,820$38,457$32,163$20,515
17 years$59,834$50,078$41,695$34,553$28,518$17,578
18 years$55,921$46,275$38,062$31,139$25,357$15,094
19 years$52,424$42,887$34,844$28,137$22,601$12,986
20 years$49,281$39,852$31,978$25,483$20,188$11,191
21 years$46,441$37,121$29,413$23,128$18,066$9,656
22 years$43,862$34,651$27,109$21,028$16,193$8,342
23 years$41,511$32,408$25,030$19,151$14,536$7,214
24 years$39,360$30,365$23,149$17,467$13,065$6,244
25 years$37,383$28,496$21,441$15,952$11,757$5,408
26 years$35,562$26,781$19,885$14,585$10,590$4,688
27 years$33,878$25,204$18,465$13,350$9,548$4,065
28 years$32,317$23,750$17,166$12,232$8,615$3,527
29 years$30,867$22,405$15,974$11,217$7,779$3,061
30 years$29,516$21,160$14,879$10,294$7,029$2,658
31 years$28,254$20,003$13,871$9,454$6,355$2,309
32 years$27,074$18,927$12,942$8,689$5,749$2,006
33 years$25,967$17,924$12,084$7,990$5,202$1,743
34 years$24,928$16,988$11,291$7,352$4,710$1,515
35 years$23,951$16,113$10,556$6,768$4,266$1,317
36 years$23,029$15,293$9,875$6,233$3,865$1,145
37 years$22,160$14,525$9,243$5,743$3,503$996
38 years$21,338$13,804$8,656$5,293$3,176$866
39 years$20,561$13,126$8,109$4,881$2,880$753
40 years$19,824$12,489$7,601$4,502$2,612$655
41 years$19,125$11,888$7,127$4,153$2,370$570
42 years$18,461$11,322$6,686$3,833$2,151$496
43 years$17,829$10,787$6,273$3,538$1,952$431
44 years$17,228$10,282$5,889$3,267$1,772$375
45 years$16,655$9,805$5,529$3,017$1,608$326
46 years$16,109$9,354$5,193$2,787$1,460$284
47 years$15,588$8,926$4,879$2,575$1,326$247
48 years$15,089$8,521$4,585$2,379$1,204$215
49 years$14,613$8,138$4,310$2,199$1,094$187
50 years$14,157$7,773$4,052$2,032$993$163

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 $3,107 every year, while hoping to spend $56,343 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: 63/16/21 Blend
51$14,500,000$14,500,000$14,500,000$14,500,000
52$15,982,205$15,213,705$14,988,955$16,902,148
53$17,552,441$15,899,228$15,431,136$18,208,325
54$19,280,953$16,616,453$15,886,243$19,627,664
55$21,183,826$17,366,875$16,354,647$21,176,518
56$23,278,782$18,152,057$16,836,734$22,867,536
57$25,585,351$18,973,642$17,332,898$24,714,638
58$28,125,053$19,833,346$17,843,545$26,733,142
59$30,921,599$20,732,971$18,369,095$28,939,902
60$34,001,118$21,674,402$18,909,975$31,353,469
61$37,392,402$22,659,618$19,466,629$33,994,259
62$41,127,176$23,690,688$20,039,511$36,884,745
63$45,240,402$24,769,785$20,629,088$40,049,665
64$49,770,601$25,899,183$21,235,841$43,516,250
65$54,760,224$27,081,265$21,860,263$47,314,478
66$60,256,049$28,318,529$22,502,864$51,477,356
67$66,309,622$29,613,593$23,164,166$56,041,222
68$72,977,745$30,969,200$23,844,707$61,046,090
69$80,323,009$32,388,225$24,545,039$66,536,016
70$88,414,388$33,873,681$25,265,730$72,559,517
71$97,327,889$35,428,724$26,007,365$79,170,016
72$107,147,266$37,056,664$26,770,544$86,426,348
73$117,964,816$38,760,969$27,555,886$94,393,307
74$129,882,244$40,545,274$28,364,026$103,142,251
75$143,011,629$42,413,388$29,195,616$112,751,773
76$157,476,474$44,369,303$30,051,328$123,308,432
77$173,412,880$46,417,205$30,931,854$134,907,571
78$190,970,824$48,561,478$31,837,901$147,654,203
79$210,315,579$50,806,721$32,770,201$161,664,000
80$231,629,268$53,157,751$33,729,503$177,064,376
81$255,112,592$55,619,619$34,716,580$193,995,683
82$280,986,714$58,197,618$35,732,223$212,612,529
83$309,495,354$60,897,297$36,777,248$233,085,226
84$340,907,088$63,724,472$37,852,494$255,601,394
85$375,517,880$66,685,240$38,958,821$280,367,720
86$413,653,878$69,785,991$40,097,116$307,611,901
87$455,674,493$73,033,424$41,268,288$337,584,784
88$501,975,790$76,434,561$42,473,275$370,562,722
89$552,994,228$79,996,761$43,713,037$406,850,177
90$609,210,779$83,727,743$44,988,564$446,782,578
91$671,155,469$87,635,593$46,300,871$490,729,480
92$739,412,382$91,728,791$47,651,005$539,098,038
93$814,625,169$96,016,227$49,040,038$592,336,841
94$897,503,132$100,507,217$50,469,075$650,940,131
95$988,827,912$105,211,532$51,939,250$715,452,457
96$1,089,460,873$110,139,410$53,451,728$786,473,802
97$1,200,351,229$115,301,589$55,007,709$864,665,231
98$1,322,545,011$120,709,323$56,608,423$950,755,115
99$1,457,194,934$126,374,412$58,255,137$1,045,545,997
100$1,605,571,285$132,309,226$59,949,152$1,149,922,144