Can I retire at age 52 with 14,900,000?

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 $14,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$1,230,428$1,219,468$1,208,775$1,198,338$1,188,147$1,170,391
2 years$609,123$597,778$586,784$576,124$565,784$547,936
3 years$402,048$390,655$379,688$369,128$358,957$341,571
4 years$298,531$287,173$276,316$265,936$256,011$239,222
5 years$236,437$225,147$214,432$204,264$194,615$178,471
6 years$195,055$183,849$173,293$163,352$153,993$138,512
7 years$165,507$154,396$144,007$134,301$125,237$110,426
8 years$143,357$132,346$122,130$112,661$103,896$89,751
9 years$126,138$115,231$105,190$95,963$87,496$74,010
10 years$112,371$101,571$91,707$82,721$74,551$61,715
11 years$101,114$90,422$80,738$71,992$64,116$51,917
12 years$91,740$81,158$71,653$63,146$55,562$43,984
13 years$83,815$73,343$64,017$55,749$48,451$37,478
14 years$77,027$66,667$57,519$49,488$42,472$32,087
15 years$71,150$60,902$51,932$44,134$37,395$27,580
16 years$66,013$55,876$47,084$39,517$33,050$23,785
17 years$61,484$51,460$42,845$35,506$29,305$20,569
18 years$57,464$47,551$39,112$31,998$26,056$17,831
19 years$53,870$44,070$35,805$28,913$23,225$15,489
20 years$50,640$40,952$32,860$26,186$20,745$13,477
21 years$47,722$38,145$30,225$23,766$18,564$11,745
22 years$45,072$35,607$27,857$21,609$16,640$10,248
23 years$42,657$33,303$25,721$19,679$14,937$8,952
24 years$40,446$31,202$23,787$17,949$13,426$7,828
25 years$38,415$29,282$22,032$16,392$12,081$6,850
26 years$36,543$27,520$20,434$14,988$10,882$5,999
27 years$34,813$25,900$18,974$13,719$9,811$5,257
28 years$33,209$24,405$17,639$12,569$8,853$4,610
29 years$31,718$23,023$16,415$11,526$7,994$4,044
30 years$30,330$21,743$15,290$10,578$7,223$3,549
31 years$29,034$20,555$14,254$9,715$6,530$3,116
32 years$27,821$19,449$13,299$8,929$5,907$2,736
33 years$26,684$18,418$12,418$8,211$5,346$2,404
34 years$25,616$17,456$11,602$7,554$4,840$2,112
35 years$24,611$16,557$10,847$6,954$4,384$1,856
36 years$23,665$15,715$10,147$6,405$3,972$1,632
37 years$22,771$14,926$9,498$5,901$3,600$1,435
38 years$21,927$14,185$8,894$5,439$3,264$1,262
39 years$21,128$13,488$8,333$5,015$2,960$1,110
40 years$20,371$12,833$7,811$4,626$2,685$976
41 years$19,652$12,216$7,324$4,268$2,435$858
42 years$18,970$11,634$6,870$3,939$2,210$755
43 years$18,321$11,085$6,447$3,636$2,006$664
44 years$17,703$10,566$6,051$3,357$1,821$585
45 years$17,115$10,076$5,682$3,100$1,653$514
46 years$16,553$9,612$5,337$2,864$1,501$453
47 years$16,018$9,173$5,014$2,646$1,363$398
48 years$15,506$8,757$4,711$2,445$1,237$350
49 years$15,016$8,362$4,428$2,260$1,124$308
50 years$14,548$7,988$4,163$2,089$1,021$271

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $14,900,000, adding $3,165 every year, while hoping to spend $34,278 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: 66/11/23 Blend
51$14,900,000$14,900,000$14,900,000$14,900,000
52$16,423,065$15,633,365$15,402,415$17,409,726
53$18,061,746$16,362,928$15,881,924$18,802,933
54$19,866,423$17,127,091$16,376,348$20,321,307
55$21,853,993$17,927,513$16,886,150$21,980,545
56$24,043,073$18,765,934$17,411,809$23,794,502
57$26,454,178$19,644,176$17,953,816$25,778,426
58$29,109,914$20,564,151$18,512,679$27,949,101
59$32,035,195$21,527,864$19,088,923$30,325,003
60$35,257,470$22,537,414$19,683,087$32,926,468
61$38,806,990$23,595,005$20,295,729$35,775,883
62$42,717,088$24,702,946$20,927,421$38,897,896
63$47,024,498$25,863,657$21,578,757$42,319,643
64$51,769,697$27,079,677$22,250,345$46,071,004
65$56,997,291$28,353,665$22,942,816$50,184,876
66$62,756,432$29,688,412$23,656,818$54,697,487
67$69,101,286$31,086,843$24,393,019$59,648,728
68$76,091,542$32,552,023$25,152,110$65,082,530
69$83,792,974$34,087,167$25,934,801$71,047,273
70$92,278,066$35,695,646$26,741,825$77,596,238
71$101,626,690$37,380,995$27,573,938$84,788,106
72$111,926,867$39,146,917$28,431,919$92,687,508
73$123,275,590$40,997,299$29,316,571$101,365,629
74$135,779,747$42,936,214$30,228,723$110,900,879
75$149,557,124$44,967,931$31,169,228$121,379,621
76$164,737,521$47,096,930$32,138,968$132,896,987
77$181,463,974$49,327,906$33,138,849$145,557,769
78$199,894,107$51,665,780$34,169,808$159,477,399
79$220,201,619$54,115,717$35,232,809$174,783,038
80$242,577,923$56,683,126$36,328,848$191,614,766
81$267,233,957$59,373,685$37,458,950$210,126,900
82$294,402,168$62,193,343$38,624,172$230,489,443
83$324,338,713$65,148,341$39,825,606$252,889,682
84$357,325,872$68,245,220$41,064,374$277,533,947
85$393,674,717$71,490,841$42,341,636$304,649,554
86$433,728,045$74,892,399$43,658,587$334,486,942
87$477,863,615$78,457,436$45,016,460$367,322,024
88$526,497,715$82,193,862$46,416,523$403,458,791
89$580,089,092$86,109,971$47,860,086$443,232,167
90$639,143,280$90,214,461$49,348,500$487,011,162
91$704,217,377$94,516,451$50,883,157$535,202,347
92$775,925,298$99,025,506$52,465,491$588,253,681
93$854,943,576$103,751,654$54,096,983$646,658,729
94$942,017,746$108,705,410$55,779,157$710,961,309
95$1,037,969,384$113,897,803$57,513,587$781,760,617
96$1,143,703,863$119,340,397$59,301,894$859,716,868
97$1,260,218,899$125,045,319$61,145,749$945,557,519
98$1,388,613,972$131,025,285$63,046,877$1,040,084,121
99$1,530,100,704$137,293,630$65,007,054$1,144,179,872
100$1,686,014,298$143,864,340$67,028,112$1,258,817,942