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

Use the below retirement simulation to view the chances of a successful retirement.
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%17.1%
1 years$1,222,170$1,211,284$1,200,662$1,190,296$1,180,173$1,146,069
2 years$605,035$593,767$582,846$572,257$561,987$527,899
3 years$399,350$388,033$377,140$366,651$356,548$323,544
4 years$296,528$285,245$274,461$264,151$254,293$222,626
5 years$234,850$223,636$212,993$202,894$193,309$163,066
6 years$193,746$182,615$172,130$162,256$152,959$124,167
7 years$164,396$153,360$143,041$133,399$124,397$97,055
8 years$142,395$131,458$121,310$111,905$103,199$77,292
9 years$125,291$114,458$104,484$95,319$86,909$62,411
10 years$111,617$100,889$91,092$82,165$74,050$50,929
11 years$100,435$89,816$80,196$71,509$63,686$41,902
12 years$91,125$80,614$71,172$62,723$55,189$34,699
13 years$83,252$72,851$63,587$55,375$48,126$28,885
14 years$76,510$66,220$57,133$49,155$42,187$24,148
15 years$70,673$60,493$51,584$43,838$37,144$20,257
16 years$65,570$55,501$46,768$39,252$32,828$17,042
17 years$61,072$51,114$42,557$35,268$29,108$14,370
18 years$57,078$47,232$38,849$31,783$25,881$12,142
19 years$53,509$43,774$35,565$28,719$23,069$10,276
20 years$50,301$40,677$32,639$26,011$20,605$8,709
21 years$47,402$37,889$30,022$23,606$18,439$7,389
22 years$44,770$35,368$27,670$21,463$16,528$6,275
23 years$42,370$33,079$25,548$19,547$14,837$5,334
24 years$40,174$30,993$23,628$17,828$13,336$4,537
25 years$38,157$29,085$21,884$16,282$12,000$3,862
26 years$36,298$27,336$20,296$14,887$10,809$3,288
27 years$34,579$25,726$18,847$13,627$9,745$2,801
28 years$32,986$24,241$17,521$12,485$8,793$2,387
29 years$31,506$22,869$16,305$11,449$7,940$2,035
30 years$30,126$21,597$15,187$10,507$7,175$1,735
31 years$28,839$20,417$14,158$9,650$6,486$1,480
32 years$27,634$19,318$13,210$8,869$5,867$1,262
33 years$26,505$18,295$12,334$8,155$5,310$1,077
34 years$25,444$17,339$11,524$7,504$4,808$919
35 years$24,446$16,446$10,775$6,908$4,354$784
36 years$23,506$15,610$10,079$6,362$3,945$669
37 years$22,618$14,826$9,434$5,861$3,576$571
38 years$21,780$14,090$8,835$5,403$3,242$488
39 years$20,986$13,398$8,277$4,982$2,940$416
40 years$20,234$12,747$7,758$4,595$2,666$355
41 years$19,520$12,134$7,275$4,239$2,419$303
42 years$18,843$11,556$6,824$3,912$2,195$259
43 years$18,198$11,010$6,403$3,612$1,992$221
44 years$17,585$10,495$6,011$3,335$1,808$189
45 years$17,000$10,008$5,644$3,080$1,642$161
46 years$16,442$9,547$5,301$2,845$1,491$138
47 years$15,910$9,111$4,980$2,628$1,353$118
48 years$15,402$8,698$4,680$2,429$1,229$100
49 years$14,915$8,306$4,399$2,244$1,116$86
50 years$14,450$7,934$4,135$2,075$1,014$73

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 $6,570 every year, while hoping to spend $25,652 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: 75/5/20 Blend
51$14,800,000$14,800,000$14,800,000$14,800,000
52$16,316,377$15,531,977$15,302,577$17,462,600
53$17,953,354$16,265,750$15,787,920$18,957,286
54$19,756,443$17,034,619$16,288,662$20,591,443
55$21,742,560$17,840,275$16,805,292$22,382,089
56$23,930,346$18,684,494$17,338,314$24,344,828
57$26,340,343$19,569,135$17,888,249$26,496,842
58$28,995,186$20,496,151$18,455,634$28,857,054
59$31,919,819$21,467,587$19,041,022$31,446,301
60$35,141,730$22,485,587$19,644,985$34,287,531
61$38,691,207$23,552,402$20,268,112$37,406,020
62$42,601,628$24,670,388$20,911,013$40,829,604
63$46,909,776$25,842,019$21,574,314$44,588,942
64$51,656,183$27,069,888$22,258,663$48,717,805
65$56,885,514$28,356,713$22,964,729$53,253,388
66$62,646,990$29,705,345$23,693,200$58,236,666
67$68,994,849$31,118,773$24,444,789$63,712,769
68$75,988,863$32,600,132$25,220,228$69,731,416
69$83,694,897$34,152,709$26,020,276$76,347,373
70$92,185,535$35,779,949$26,845,713$83,620,972
71$101,540,761$37,485,468$27,697,346$91,618,678
72$111,848,717$39,273,055$28,576,006$100,413,711
73$123,206,535$41,146,684$29,482,551$110,086,735
74$135,721,252$43,110,522$30,417,867$120,726,619
75$149,510,821$45,168,939$31,382,867$132,431,268
76$164,705,226$47,326,517$32,378,494$145,308,550
77$181,447,704$49,588,062$33,405,719$159,477,305
78$199,896,106$51,958,613$34,465,547$175,068,466
79$220,224,378$54,443,454$35,559,012$192,226,292
80$242,624,209$57,048,127$36,687,182$211,109,724
81$267,306,835$59,778,443$37,851,160$231,893,884
82$294,505,041$62,640,495$39,052,083$254,771,722
83$324,475,350$65,640,675$40,291,122$279,955,833
84$357,500,451$68,785,683$41,569,490$307,680,460
85$393,891,864$72,082,548$42,888,435$338,203,701
86$433,992,881$75,538,640$44,249,244$371,809,942
87$478,181,809$79,161,688$45,653,249$408,812,533
88$526,875,541$82,959,797$47,101,819$449,556,743
89$580,533,487$86,941,468$48,596,371$494,423,017
90$639,661,918$91,115,615$50,138,365$543,830,554
91$704,818,740$95,491,587$51,729,307$598,241,267
92$776,618,765$100,079,188$53,370,752$658,164,133
93$855,739,510$104,888,699$55,064,303$724,159,991
94$942,927,598$109,930,904$56,811,615$796,846,834
95$1,039,005,805$115,217,111$58,614,397$876,905,631
96$1,144,880,827$120,759,178$60,474,408$965,086,753
97$1,261,551,838$126,569,545$62,393,468$1,062,217,047
98$1,390,119,927$132,661,254$64,373,451$1,169,207,633
99$1,531,798,490$139,047,986$66,416,292$1,287,062,502
100$1,687,924,686$145,744,087$68,523,987$1,416,887,981