Can I retire at age 52 with 14,600,000?

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 $14,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$1,205,654$1,194,915$1,184,437$1,174,210$1,164,225$1,134,698
2 years$596,859$585,743$574,970$564,524$554,393$524,837
3 years$393,953$382,789$372,043$361,696$351,729$323,069
4 years$292,520$281,391$270,752$260,582$250,856$223,312
5 years$231,677$220,614$210,115$200,152$190,697$164,345
6 years$191,127$180,148$169,804$160,063$150,892$125,758
7 years$162,175$151,288$141,108$131,597$122,716$98,802
8 years$140,471$129,682$119,671$110,393$101,804$79,100
9 years$123,598$112,911$103,072$94,030$85,734$64,220
10 years$110,108$99,526$89,861$81,055$73,050$52,700
11 years$99,078$88,602$79,112$70,542$62,825$43,610
12 years$89,893$79,524$70,210$61,875$54,443$36,328
13 years$82,127$71,867$62,728$54,626$47,475$30,425
14 years$75,476$65,325$56,361$48,491$41,617$25,593
15 years$69,718$59,675$50,887$43,246$36,643$21,606
16 years$64,684$54,751$46,136$38,722$32,385$18,294
17 years$60,246$50,424$41,982$34,791$28,715$15,528
18 years$56,307$46,594$38,324$31,354$25,532$13,207
19 years$52,786$43,183$35,084$28,331$22,757$11,253
20 years$49,621$40,127$32,198$25,659$20,327$9,603
21 years$46,761$37,377$29,616$23,287$18,190$8,204
22 years$44,165$34,890$27,296$21,173$16,305$7,017
23 years$41,798$32,632$25,203$19,283$14,636$6,006
24 years$39,631$30,574$23,309$17,587$13,155$5,146
25 years$37,641$28,692$21,588$16,062$11,838$4,411
26 years$35,807$26,966$20,022$14,686$10,663$3,783
27 years$34,112$25,378$18,592$13,442$9,614$3,247
28 years$32,540$23,914$17,284$12,316$8,675$2,787
29 years$31,080$22,560$16,084$11,294$7,833$2,394
30 years$29,719$21,305$14,982$10,365$7,078$2,056
31 years$28,449$20,141$13,967$9,520$6,399$1,767
32 years$27,261$19,057$13,032$8,749$5,788$1,518
33 years$26,146$18,047$12,168$8,045$5,238$1,305
34 years$25,100$17,105$11,369$7,402$4,743$1,122
35 years$24,116$16,224$10,629$6,814$4,296$965
36 years$23,188$15,399$9,943$6,276$3,892$830
37 years$22,313$14,625$9,307$5,782$3,528$714
38 years$21,485$13,899$8,715$5,330$3,198$614
39 years$20,702$13,217$8,165$4,914$2,900$528
40 years$19,961$12,575$7,653$4,533$2,630$454
41 years$19,257$11,970$7,176$4,182$2,386$391
42 years$18,588$11,400$6,732$3,859$2,165$336
43 years$17,952$10,862$6,317$3,563$1,965$289
44 years$17,347$10,353$5,929$3,290$1,784$249
45 years$16,770$9,873$5,567$3,038$1,619$214
46 years$16,220$9,418$5,229$2,806$1,470$184
47 years$15,695$8,988$4,913$2,593$1,335$159
48 years$15,193$8,580$4,617$2,396$1,213$136
49 years$14,714$8,194$4,339$2,214$1,101$117
50 years$14,255$7,827$4,080$2,046$1,000$101

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $14,600,000, adding $5,735 every year, while hoping to spend $43,976 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: 45/42/13 Blend
51$14,600,000$14,600,000$14,600,000$14,600,000
52$16,095,116$15,321,316$15,095,016$16,759,505
53$17,690,027$16,025,270$15,553,909$17,925,958
54$19,446,146$16,762,244$16,026,700$19,185,140
55$21,379,869$17,533,810$16,513,811$20,549,562
56$23,509,263$18,341,614$17,015,671$22,028,970
57$25,854,237$19,187,383$17,532,726$23,634,055
58$28,436,731$20,072,926$18,065,433$25,376,556
59$31,280,918$21,000,140$18,614,265$27,269,360
60$34,413,436$21,971,011$19,179,708$29,326,619
61$37,863,640$22,987,624$19,762,262$31,563,873
62$41,663,876$24,052,163$20,362,442$33,998,195
63$45,849,788$25,166,915$20,980,780$36,648,341
64$50,460,652$26,334,280$21,617,823$39,534,919
65$55,539,752$27,556,773$22,274,133$42,680,576
66$61,134,782$28,837,030$22,950,292$46,110,203
67$67,298,299$30,177,813$23,646,895$49,851,162
68$74,088,219$31,582,020$24,364,560$53,933,532
69$81,568,364$33,052,686$25,103,920$58,390,385
70$89,809,063$34,592,993$25,865,627$63,258,087
71$98,887,816$36,206,279$26,650,354$68,576,631
72$108,890,026$37,896,039$27,458,794$74,390,002
73$119,909,805$39,665,941$28,291,660$80,746,582
74$132,050,861$41,519,828$29,149,686$87,699,591
75$145,427,477$43,461,728$30,033,629$95,307,579
76$160,165,592$45,495,865$30,944,268$103,634,966
77$176,403,987$47,626,667$31,882,405$112,752,632
78$194,295,596$49,858,776$32,848,868$122,738,572
79$214,008,949$52,197,057$33,844,507$133,678,619
80$235,729,762$54,646,614$34,870,198$145,667,237
81$259,662,693$57,212,793$35,926,845$158,808,392
82$286,033,271$59,901,203$37,015,378$173,216,519
83$315,090,024$62,717,722$38,136,753$189,017,584
84$347,106,830$65,668,513$39,291,957$206,350,250
85$382,385,494$68,760,039$40,482,005$225,367,166
86$421,258,606$71,999,072$41,707,944$246,236,388
87$464,092,674$75,392,717$42,970,851$269,142,943
88$511,291,586$78,948,419$44,271,833$294,290,548
89$563,300,423$82,673,987$45,612,035$321,903,513
90$620,609,660$86,577,606$46,992,632$352,228,829
91$683,759,796$90,667,859$48,414,836$385,538,474
92$753,346,456$94,953,745$49,879,894$422,131,952
93$830,026,015$99,444,699$51,389,091$462,339,087
94$914,521,793$104,150,614$52,943,750$506,523,113
95$1,007,630,884$109,081,862$54,545,233$555,084,060
96$1,110,231,680$114,249,319$56,194,944$608,462,504
97$1,223,292,164$119,664,388$57,894,327$667,143,686
98$1,347,879,048$125,339,027$59,644,871$731,662,057
99$1,485,167,844$131,285,772$61,448,107$802,606,283
100$1,636,453,958$137,517,769$63,305,613$880,624,761