Can I retire at age 52 with 14,800,000?

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 $14,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$1,222,170$1,211,284$1,200,662$1,190,296$1,180,173$1,139,206
2 years$605,035$593,767$582,846$572,257$561,987$521,137
3 years$399,350$388,033$377,140$366,651$356,548$317,098
4 years$296,528$285,245$274,461$264,151$254,293$216,545
5 years$234,850$223,636$212,993$202,894$193,309$157,363
6 years$193,746$182,615$172,130$162,256$152,959$118,842
7 years$164,396$153,360$143,041$133,399$124,397$92,103
8 years$142,395$131,458$121,310$111,905$103,199$72,703
9 years$125,291$114,458$104,484$95,319$86,909$58,170
10 years$111,617$100,889$91,092$82,165$74,050$47,023
11 years$100,435$89,816$80,196$71,509$63,686$38,315
12 years$91,125$80,614$71,172$62,723$55,189$31,415
13 years$83,252$72,851$63,587$55,375$48,126$25,886
14 years$76,510$66,220$57,133$49,155$42,187$21,416
15 years$70,673$60,493$51,584$43,838$37,144$17,776
16 years$65,570$55,501$46,768$39,252$32,828$14,793
17 years$61,072$51,114$42,557$35,268$29,108$12,338
18 years$57,078$47,232$38,849$31,783$25,881$10,309
19 years$53,509$43,774$35,565$28,719$23,069$8,627
20 years$50,301$40,677$32,639$26,011$20,605$7,227
21 years$47,402$37,889$30,022$23,606$18,439$6,062
22 years$44,770$35,368$27,670$21,463$16,528$5,088
23 years$42,370$33,079$25,548$19,547$14,837$4,274
24 years$40,174$30,993$23,628$17,828$13,336$3,592
25 years$38,157$29,085$21,884$16,282$12,000$3,021
26 years$36,298$27,336$20,296$14,887$10,809$2,542
27 years$34,579$25,726$18,847$13,627$9,745$2,139
28 years$32,986$24,241$17,521$12,485$8,793$1,801
29 years$31,506$22,869$16,305$11,449$7,940$1,516
30 years$30,126$21,597$15,187$10,507$7,175$1,277
31 years$28,839$20,417$14,158$9,650$6,486$1,076
32 years$27,634$19,318$13,210$8,869$5,867$906
33 years$26,505$18,295$12,334$8,155$5,310$764
34 years$25,444$17,339$11,524$7,504$4,808$644
35 years$24,446$16,446$10,775$6,908$4,354$542
36 years$23,506$15,610$10,079$6,362$3,945$457
37 years$22,618$14,826$9,434$5,861$3,576$385
38 years$21,780$14,090$8,835$5,403$3,242$325
39 years$20,986$13,398$8,277$4,982$2,940$274
40 years$20,234$12,747$7,758$4,595$2,666$231
41 years$19,520$12,134$7,275$4,239$2,419$195
42 years$18,843$11,556$6,824$3,912$2,195$164
43 years$18,198$11,010$6,403$3,612$1,992$138
44 years$17,585$10,495$6,011$3,335$1,808$117
45 years$17,000$10,008$5,644$3,080$1,642$98
46 years$16,442$9,547$5,301$2,845$1,491$83
47 years$15,910$9,111$4,980$2,628$1,353$70
48 years$15,402$8,698$4,680$2,429$1,229$59
49 years$14,915$8,306$4,399$2,244$1,116$50
50 years$14,450$7,934$4,135$2,075$1,014$42

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $14,800,000, adding $6,654 every year, while hoping to spend $20,463 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: 63/24/13 Blend
51$14,800,000$14,800,000$14,800,000$14,800,000
52$16,316,464$15,532,064$15,302,664$17,293,658
53$17,958,970$16,271,362$15,793,530$18,688,363
54$19,768,327$17,046,201$16,300,155$20,207,723
55$21,761,531$17,858,299$16,823,045$21,866,288
56$23,957,311$18,709,460$17,362,721$23,677,586
57$26,376,309$19,601,575$17,919,724$25,656,495
58$29,041,268$20,536,628$18,494,610$27,819,379
59$31,977,252$21,516,697$19,087,954$30,184,240
60$35,211,880$22,543,964$19,700,349$32,770,883
61$38,775,588$23,620,714$20,332,407$35,601,094
62$42,701,915$24,749,347$20,984,760$38,698,848
63$47,027,821$25,932,375$21,658,061$42,090,525
64$51,794,035$27,172,437$22,352,981$45,805,155
65$57,045,437$28,472,297$23,070,217$49,874,689
66$62,831,487$29,834,856$23,810,485$54,334,288
67$69,206,688$31,263,153$24,574,525$59,222,659
68$76,231,101$32,760,378$25,363,103$64,582,403
69$83,970,912$34,329,875$26,177,005$70,460,420
70$92,499,057$35,975,151$27,017,047$76,908,339
71$101,895,911$37,699,884$27,884,068$83,983,000
72$112,250,045$39,507,929$28,778,936$91,746,981
73$123,659,065$41,403,333$29,702,545$100,269,185
74$136,230,529$43,390,336$30,655,820$109,625,478
75$150,082,968$45,473,387$31,639,715$119,899,397
76$165,346,998$47,657,151$32,655,213$131,182,934
77$182,166,560$49,946,519$33,703,330$143,577,386
78$200,700,273$52,346,623$34,785,116$157,194,311
79$221,122,936$54,862,842$35,901,652$172,156,565
80$243,627,175$57,500,821$37,054,057$188,599,450
81$268,425,261$60,266,475$38,243,482$206,671,983
82$295,751,118$63,166,013$39,471,119$226,538,290
83$325,862,526$66,205,941$40,738,196$248,379,142
84$359,043,559$69,393,088$42,045,980$272,393,649
85$395,607,263$72,734,611$43,395,782$298,801,125
86$435,898,615$76,238,018$44,788,952$327,843,145
87$480,297,776$79,911,183$46,226,884$359,785,810
88$529,223,683$83,762,365$47,711,019$394,922,243
89$583,138,002$87,800,224$49,242,842$433,575,341
90$642,549,487$92,033,844$50,823,885$476,100,804
91$708,018,783$96,472,750$52,455,734$522,890,477
92$780,163,718$101,126,934$54,140,020$574,376,028
93$859,665,138$106,006,875$55,878,431$631,033,007
94$947,273,331$111,123,561$57,672,708$693,385,308
95$1,043,815,114$116,488,518$59,524,646$762,010,102
96$1,150,201,636$122,113,836$61,436,102$837,543,255
97$1,267,436,980$128,012,191$63,408,989$920,685,312
98$1,396,627,645$134,196,882$65,445,283$1,012,208,083
99$1,538,992,989$140,681,853$67,547,024$1,112,961,904
100$1,695,876,742$147,481,731$69,716,317$1,223,883,641