Can I retire at age 52 with 14,700,000?

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 $14,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$1,213,912$1,203,099$1,192,550$1,182,253$1,172,199$1,160,923
2 years$600,947$589,755$578,908$568,391$558,190$546,832
3 years$396,652$385,411$374,592$364,174$354,139$343,049
4 years$294,524$283,318$272,607$262,367$252,575$241,840
5 years$233,263$222,125$211,554$201,523$192,003$181,655
6 years$192,436$181,382$170,967$161,159$151,926$141,976
7 years$163,286$152,324$142,074$132,498$123,556$114,010
8 years$141,433$130,570$120,490$111,149$102,502$93,358
9 years$124,445$113,684$103,778$94,674$86,321$77,578
10 years$110,862$100,207$90,476$81,610$73,550$65,201
11 years$99,757$89,209$79,654$71,025$63,256$55,294
12 years$90,509$80,069$70,691$62,299$54,816$47,235
13 years$82,690$72,359$63,158$55,001$47,801$40,591
14 years$75,993$65,772$56,747$48,823$41,902$35,053
15 years$70,195$60,084$51,235$43,542$36,894$30,397
16 years$65,127$55,126$46,452$38,987$32,607$26,451
17 years$60,659$50,769$42,270$35,029$28,911$23,085
18 years$56,692$46,913$38,587$31,569$25,707$20,199
19 years$53,147$43,478$35,324$28,525$22,913$17,712
20 years$49,961$40,402$32,419$25,835$20,466$15,561
21 years$47,081$37,633$29,819$23,447$18,315$13,693
22 years$44,467$35,129$27,483$21,318$16,417$12,067
23 years$42,084$32,856$25,376$19,415$14,737$10,646
24 years$39,903$30,784$23,468$17,708$13,246$9,404
25 years$37,899$28,889$21,736$16,172$11,919$8,314
26 years$36,052$27,151$20,159$14,787$10,736$7,356
27 years$34,345$25,552$18,720$13,535$9,680$6,514
28 years$32,763$24,078$17,402$12,401$8,734$5,771
29 years$31,293$22,714$16,194$11,372$7,887$5,117
30 years$29,923$21,451$15,084$10,436$7,126$4,538
31 years$28,644$20,279$14,063$9,585$6,443$4,027
32 years$27,447$19,188$13,121$8,809$5,828$3,575
33 years$26,326$18,171$12,251$8,100$5,274$3,175
34 years$25,272$17,222$11,447$7,453$4,775$2,820
35 years$24,281$16,335$10,702$6,861$4,325$2,506
36 years$23,347$15,504$10,011$6,319$3,919$2,227
37 years$22,466$14,725$9,370$5,822$3,552$1,980
38 years$21,633$13,994$8,775$5,366$3,220$1,760
39 years$20,844$13,307$8,221$4,948$2,920$1,565
40 years$20,097$12,661$7,706$4,564$2,648$1,392
41 years$19,388$12,052$7,225$4,211$2,403$1,238
42 years$18,715$11,478$6,778$3,886$2,180$1,102
43 years$18,075$10,936$6,360$3,587$1,979$980
44 years$17,466$10,424$5,970$3,312$1,796$872
45 years$16,885$9,941$5,606$3,059$1,631$776
46 years$16,331$9,483$5,265$2,825$1,480$691
47 years$15,803$9,050$4,946$2,610$1,344$615
48 years$15,298$8,639$4,648$2,412$1,221$547
49 years$14,815$8,250$4,369$2,229$1,109$487
50 years$14,352$7,881$4,107$2,060$1,007$434

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $14,700,000, adding $6,131 every year, while hoping to spend $49,391 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: 79/13/8 Blend
51$14,700,000$14,700,000$14,700,000$14,700,000
52$16,205,724$15,426,624$15,198,774$17,468,176
53$17,806,156$16,129,977$15,655,381$19,000,426
54$19,568,177$16,866,139$16,125,630$20,673,825
55$21,508,217$17,636,665$16,609,924$22,508,056
56$23,644,379$18,443,186$17,108,680$24,519,136
57$25,996,613$19,287,409$17,622,328$26,724,702
58$28,586,901$20,171,126$18,151,310$29,144,171
59$31,439,465$21,096,211$18,696,079$31,798,925
60$34,580,997$22,064,632$19,257,104$34,712,508
61$38,040,908$23,078,449$19,834,867$37,910,845
62$41,851,609$24,139,821$20,429,863$41,422,489
63$46,048,813$25,251,012$21,042,603$45,278,881
64$50,671,874$26,414,393$21,673,612$49,514,651
65$55,764,159$27,632,453$22,323,432$54,167,935
66$61,373,456$28,907,795$22,992,620$59,280,738
67$67,552,423$30,243,152$23,681,747$64,899,325
68$74,359,090$31,641,386$24,391,405$71,074,654
69$81,857,400$33,105,497$25,122,201$77,862,852
70$90,117,820$34,638,631$25,874,759$85,325,747
71$99,217,997$36,244,084$26,649,723$93,531,440
72$109,243,500$37,925,311$27,447,756$102,554,952
73$120,288,620$39,685,934$28,269,539$112,478,921
74$132,457,263$41,529,749$29,115,773$123,394,383
75$145,863,934$43,460,737$29,987,181$135,401,623
76$160,634,810$45,483,068$30,884,506$148,611,122
77$176,908,937$47,601,114$31,808,513$163,144,589
78$194,839,540$49,819,461$32,759,990$179,136,110
79$214,595,471$52,142,912$33,739,747$196,733,406
80$236,362,798$54,576,504$34,748,619$216,099,221
81$260,346,569$57,125,518$35,787,463$237,412,855
82$286,772,739$59,795,489$36,857,163$260,871,851
83$315,890,310$62,592,219$37,958,629$286,693,850
84$347,973,676$65,521,791$39,092,797$315,118,641
85$383,325,215$68,590,583$40,260,630$346,410,420
86$422,278,145$71,805,280$41,463,120$380,860,272
87$465,199,668$75,172,891$42,701,286$418,788,917
88$512,494,434$78,700,763$43,976,179$460,549,724
89$564,608,365$82,396,599$45,288,880$506,532,045
90$622,032,861$86,268,475$46,640,500$557,164,875
91$685,309,441$90,324,858$48,032,185$612,920,901
92$755,034,852$94,574,625$49,465,111$674,320,947
93$831,866,707$99,027,081$50,940,492$741,938,886
94$916,529,687$103,691,984$52,459,575$816,407,047
95$1,009,822,387$108,579,564$54,023,643$898,422,172
96$1,112,624,853$113,700,545$55,634,017$988,751,982
97$1,225,906,889$119,066,172$57,292,058$1,088,242,418
98$1,350,737,213$124,688,236$58,999,163$1,197,825,606
99$1,488,293,547$130,579,097$60,756,773$1,318,528,654
100$1,639,873,732$136,751,717$62,566,368$1,451,483,327