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%17.1%
1 years$1,205,654$1,194,915$1,184,437$1,174,210$1,164,225$1,130,582
2 years$596,859$585,743$574,970$564,524$554,393$520,765
3 years$393,953$382,789$372,043$361,696$351,729$319,171
4 years$292,520$281,391$270,752$260,582$250,856$219,617
5 years$231,677$220,614$210,115$200,152$190,697$160,862
6 years$191,127$180,148$169,804$160,063$150,892$122,489
7 years$162,175$151,288$141,108$131,597$122,716$95,743
8 years$140,471$129,682$119,671$110,393$101,804$76,248
9 years$123,598$112,911$103,072$94,030$85,734$61,568
10 years$110,108$99,526$89,861$81,055$73,050$50,241
11 years$99,078$88,602$79,112$70,542$62,825$41,335
12 years$89,893$79,524$70,210$61,875$54,443$34,230
13 years$82,127$71,867$62,728$54,626$47,475$28,495
14 years$75,476$65,325$56,361$48,491$41,617$23,821
15 years$69,718$59,675$50,887$43,246$36,643$19,983
16 years$64,684$54,751$46,136$38,722$32,385$16,811
17 years$60,246$50,424$41,982$34,791$28,715$14,176
18 years$56,307$46,594$38,324$31,354$25,532$11,978
19 years$52,786$43,183$35,084$28,331$22,757$10,137
20 years$49,621$40,127$32,198$25,659$20,327$8,591
21 years$46,761$37,377$29,616$23,287$18,190$7,289
22 years$44,165$34,890$27,296$21,173$16,305$6,191
23 years$41,798$32,632$25,203$19,283$14,636$5,262
24 years$39,631$30,574$23,309$17,587$13,155$4,476
25 years$37,641$28,692$21,588$16,062$11,838$3,809
26 years$35,807$26,966$20,022$14,686$10,663$3,244
27 years$34,112$25,378$18,592$13,442$9,614$2,763
28 years$32,540$23,914$17,284$12,316$8,675$2,355
29 years$31,080$22,560$16,084$11,294$7,833$2,007
30 years$29,719$21,305$14,982$10,365$7,078$1,712
31 years$28,449$20,141$13,967$9,520$6,399$1,460
32 years$27,261$19,057$13,032$8,749$5,788$1,245
33 years$26,146$18,047$12,168$8,045$5,238$1,062
34 years$25,100$17,105$11,369$7,402$4,743$907
35 years$24,116$16,224$10,629$6,814$4,296$774
36 years$23,188$15,399$9,943$6,276$3,892$660
37 years$22,313$14,625$9,307$5,782$3,528$564
38 years$21,485$13,899$8,715$5,330$3,198$481
39 years$20,702$13,217$8,165$4,914$2,900$411
40 years$19,961$12,575$7,653$4,533$2,630$351
41 years$19,257$11,970$7,176$4,182$2,386$299
42 years$18,588$11,400$6,732$3,859$2,165$256
43 years$17,952$10,862$6,317$3,563$1,965$218
44 years$17,347$10,353$5,929$3,290$1,784$186
45 years$16,770$9,873$5,567$3,038$1,619$159
46 years$16,220$9,418$5,229$2,806$1,470$136
47 years$15,695$8,988$4,913$2,593$1,335$116
48 years$15,193$8,580$4,617$2,396$1,213$99
49 years$14,714$8,194$4,339$2,214$1,101$85
50 years$14,255$7,827$4,080$2,046$1,000$72

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 $2,681 every year, while hoping to spend $32,422 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: 77/14/9 Blend
51$14,600,000$14,600,000$14,600,000$14,600,000
52$16,091,965$15,318,165$15,091,865$17,307,828
53$17,698,849$16,034,259$15,562,946$18,823,610
54$19,468,548$16,784,354$16,048,721$20,480,710
55$21,417,636$17,570,083$16,549,649$22,296,674
56$23,564,374$18,393,157$17,066,202$24,287,294
57$25,928,888$19,255,368$17,598,867$26,469,953
58$28,533,351$20,158,598$18,148,146$28,863,793
59$31,402,200$21,104,817$18,714,556$31,489,885
60$34,562,364$22,096,092$19,298,633$34,371,432
61$38,043,514$23,134,590$19,900,926$37,533,983
62$41,878,348$24,222,581$20,522,003$41,005,668
63$46,102,900$25,362,447$21,162,450$44,817,468
64$50,756,873$26,556,685$21,822,870$49,003,496
65$55,884,024$27,807,912$22,503,885$53,601,323
66$61,532,567$29,118,872$23,206,138$58,652,325
67$67,755,635$30,492,443$23,930,291$64,202,071
68$74,611,779$31,931,642$24,677,024$70,300,750
69$82,165,519$33,439,631$25,447,044$77,003,641
70$90,487,956$35,019,727$26,241,073$84,371,629
71$99,657,441$36,675,407$27,059,862$92,471,778
72$109,760,314$38,410,316$27,904,182$101,377,961
73$120,891,721$40,228,276$28,774,827$111,171,547
74$133,156,511$42,133,296$29,672,618$121,942,170
75$146,670,225$44,129,578$30,598,401$133,788,567
76$161,560,188$46,221,527$31,553,047$146,819,507
77$177,966,710$48,413,765$32,537,457$161,154,810
78$196,044,410$50,711,135$33,552,557$176,926,475
79$215,963,675$53,118,716$34,599,304$194,279,917
80$237,912,272$55,641,835$35,678,682$213,375,339
81$262,097,115$58,286,077$36,791,710$234,389,229
82$288,746,223$61,057,296$37,939,434$257,516,029
83$318,110,869$63,961,635$39,122,936$282,969,956
84$350,467,953$67,005,530$40,343,330$310,987,021
85$386,122,617$70,195,735$41,601,765$341,827,248
86$425,411,126$73,539,327$42,899,426$375,777,120
87$468,704,039$77,043,732$44,237,534$413,152,277
88$516,409,710$80,716,734$45,617,350$454,300,483
89$568,978,141$84,566,495$47,040,173$499,604,905
90$626,905,234$88,601,576$48,507,341$549,487,714
91$690,737,467$92,830,952$50,020,236$604,414,068
92$761,077,057$97,264,037$51,580,282$664,896,486
93$838,587,642$101,910,700$53,188,947$731,499,679
94$924,000,550$106,781,293$54,847,745$804,845,868
95$1,018,121,699$111,886,669$56,558,237$885,620,648
96$1,121,839,208$117,238,211$58,322,034$974,579,443
97$1,236,131,779$122,847,855$60,140,793$1,072,554,630
98$1,362,077,938$128,728,118$62,016,228$1,180,463,379
99$1,500,866,219$134,892,127$63,950,103$1,299,316,301
100$1,653,806,379$141,353,647$65,944,237$1,430,226,967