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%14.5%
1 years$1,213,912$1,203,099$1,192,550$1,182,253$1,172,199$1,150,414
2 years$600,947$589,755$578,908$568,391$558,190$536,324
3 years$396,652$385,411$374,592$364,174$354,139$332,872
4 years$294,524$283,318$272,607$262,367$252,575$232,072
5 years$233,263$222,125$211,554$201,523$192,003$172,323
6 years$192,436$181,382$170,967$161,159$151,926$133,089
7 years$163,286$152,324$142,074$132,498$123,556$105,569
8 years$141,433$130,570$120,490$111,149$102,502$85,359
9 years$124,445$113,684$103,778$94,674$86,321$70,012
10 years$110,862$100,207$90,476$81,610$73,550$58,060
11 years$99,757$89,209$79,654$71,025$63,256$48,567
12 years$90,509$80,069$70,691$62,299$54,816$40,908
13 years$82,690$72,359$63,158$55,001$47,801$34,651
14 years$75,993$65,772$56,747$48,823$41,902$29,488
15 years$70,195$60,084$51,235$43,542$36,894$25,189
16 years$65,127$55,126$46,452$38,987$32,607$21,587
17 years$60,659$50,769$42,270$35,029$28,911$18,549
18 years$56,692$46,913$38,587$31,569$25,707$15,975
19 years$53,147$43,478$35,324$28,525$22,913$13,785
20 years$49,961$40,402$32,419$25,835$20,466$11,914
21 years$47,081$37,633$29,819$23,447$18,315$10,312
22 years$44,467$35,129$27,483$21,318$16,417$8,936
23 years$42,084$32,856$25,376$19,415$14,737$7,752
24 years$39,903$30,784$23,468$17,708$13,246$6,731
25 years$37,899$28,889$21,736$16,172$11,919$5,849
26 years$36,052$27,151$20,159$14,787$10,736$5,085
27 years$34,345$25,552$18,720$13,535$9,680$4,424
28 years$32,763$24,078$17,402$12,401$8,734$3,851
29 years$31,293$22,714$16,194$11,372$7,887$3,354
30 years$29,923$21,451$15,084$10,436$7,126$2,921
31 years$28,644$20,279$14,063$9,585$6,443$2,546
32 years$27,447$19,188$13,121$8,809$5,828$2,219
33 years$26,326$18,171$12,251$8,100$5,274$1,935
34 years$25,272$17,222$11,447$7,453$4,775$1,687
35 years$24,281$16,335$10,702$6,861$4,325$1,472
36 years$23,347$15,504$10,011$6,319$3,919$1,284
37 years$22,466$14,725$9,370$5,822$3,552$1,120
38 years$21,633$13,994$8,775$5,366$3,220$978
39 years$20,844$13,307$8,221$4,948$2,920$853
40 years$20,097$12,661$7,706$4,564$2,648$745
41 years$19,388$12,052$7,225$4,211$2,403$650
42 years$18,715$11,478$6,778$3,886$2,180$567
43 years$18,075$10,936$6,360$3,587$1,979$495
44 years$17,466$10,424$5,970$3,312$1,796$432
45 years$16,885$9,941$5,606$3,059$1,631$378
46 years$16,331$9,483$5,265$2,825$1,480$330
47 years$15,803$9,050$4,946$2,610$1,344$288
48 years$15,298$8,639$4,648$2,412$1,221$251
49 years$14,815$8,250$4,369$2,229$1,109$219
50 years$14,352$7,881$4,107$2,060$1,007$192

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 $3,424 every year, while hoping to spend $31,835 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: 69/23/8 Blend
51$14,700,000$14,700,000$14,700,000$14,700,000
52$16,202,932$15,423,832$15,195,982$17,297,799
53$17,821,759$16,145,727$15,671,175$18,745,338
54$19,604,639$16,901,929$16,161,220$20,324,060
55$21,568,272$17,694,084$16,666,581$22,050,167
56$23,731,061$18,523,919$17,187,737$23,938,107
57$26,113,283$19,393,245$17,725,180$26,003,778
58$28,737,284$20,303,960$18,279,420$28,264,671
59$31,627,687$21,258,054$18,850,980$30,740,031
60$34,811,627$22,257,614$19,440,403$33,451,041
61$38,319,002$23,304,826$20,048,246$36,421,008
62$42,182,762$24,401,984$20,675,084$39,675,587
63$46,439,215$25,551,493$21,321,511$43,243,016
64$51,128,371$26,755,872$21,988,138$47,154,377
65$56,294,320$28,017,766$22,675,596$51,443,884
66$61,985,649$29,339,944$23,384,536$56,149,204
67$68,255,896$30,725,312$24,115,628$61,311,803
68$75,164,060$32,176,916$24,869,566$66,977,337
69$82,775,159$33,697,949$25,647,061$73,196,070
70$91,160,838$35,291,761$26,448,849$80,023,351
71$100,400,047$36,961,861$27,275,690$87,520,122
72$110,579,792$38,711,932$28,128,365$95,753,493
73$121,795,947$40,545,833$29,007,682$104,797,362
74$134,154,166$42,467,611$29,914,472$114,733,113
75$147,770,877$44,481,510$30,849,592$125,650,369
76$162,774,381$46,591,979$31,813,929$137,647,836
77$179,306,066$48,803,684$32,808,393$150,834,222
78$197,521,736$51,121,516$33,833,925$165,329,257
79$217,593,087$53,550,604$34,891,497$181,264,813
80$239,709,327$56,096,329$35,982,107$198,786,139
81$264,078,959$58,764,329$37,106,787$218,053,224
82$290,931,750$61,560,518$38,266,602$239,242,294
83$320,520,902$64,491,098$39,462,647$262,547,465
84$353,125,443$67,562,571$40,696,055$288,182,567
85$389,052,857$70,781,755$41,967,991$316,383,145
86$428,641,988$74,155,801$43,279,659$347,408,676
87$472,266,242$77,692,206$44,632,298$381,545,001
88$520,337,107$81,398,832$46,027,188$419,107,011
89$573,308,040$85,283,924$47,465,647$460,441,604
90$631,678,750$89,356,126$48,949,037$505,930,946
91$695,999,912$93,624,505$50,478,758$555,996,063
92$766,878,364$98,098,567$52,056,258$611,100,798
93$844,982,842$102,788,282$53,683,028$671,756,171
94$931,050,288$107,704,104$55,360,605$738,525,189
95$1,025,892,808$112,856,995$57,090,576$812,028,137
96$1,130,405,339$118,258,453$58,874,575$892,948,418
97$1,245,574,101$123,920,534$60,714,290$982,038,980
98$1,372,485,899$129,855,880$62,611,459$1,080,129,404
99$1,512,338,393$136,077,750$64,567,875$1,188,133,714
100$1,666,451,397$142,600,049$66,585,387$1,307,058,978