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%14.6%
1 years$1,230,428$1,219,468$1,208,775$1,198,338$1,188,147$1,165,588
2 years$609,123$597,778$586,784$576,124$565,784$543,144
3 years$402,048$390,655$379,688$369,128$358,957$336,942
4 years$298,531$287,173$276,316$265,936$256,011$234,790
5 years$236,437$225,147$214,432$204,264$194,615$174,250
6 years$195,055$183,849$173,293$163,352$153,993$134,504
7 years$165,507$154,396$144,007$134,301$125,237$106,631
8 years$143,357$132,346$122,130$112,661$103,896$86,168
9 years$126,138$115,231$105,190$95,963$87,496$70,634
10 years$112,371$101,571$91,707$82,721$74,551$58,540
11 years$101,114$90,422$80,738$71,992$64,116$48,937
12 years$91,740$81,158$71,653$63,146$55,562$41,193
13 years$83,815$73,343$64,017$55,749$48,451$34,870
14 years$77,027$66,667$57,519$49,488$42,472$29,653
15 years$71,150$60,902$51,932$44,134$37,395$25,314
16 years$66,013$55,876$47,084$39,517$33,050$21,678
17 years$61,484$51,460$42,845$35,506$29,305$18,614
18 years$57,464$47,551$39,112$31,998$26,056$16,019
19 years$53,870$44,070$35,805$28,913$23,225$13,813
20 years$50,640$40,952$32,860$26,186$20,745$11,930
21 years$47,722$38,145$30,225$23,766$18,564$10,318
22 years$45,072$35,607$27,857$21,609$16,640$8,934
23 years$42,657$33,303$25,721$19,679$14,937$7,744
24 years$40,446$31,202$23,787$17,949$13,426$6,719
25 years$38,415$29,282$22,032$16,392$12,081$5,833
26 years$36,543$27,520$20,434$14,988$10,882$5,068
27 years$34,813$25,900$18,974$13,719$9,811$4,406
28 years$33,209$24,405$17,639$12,569$8,853$3,832
29 years$31,718$23,023$16,415$11,526$7,994$3,334
30 years$30,330$21,743$15,290$10,578$7,223$2,902
31 years$29,034$20,555$14,254$9,715$6,530$2,527
32 years$27,821$19,449$13,299$8,929$5,907$2,201
33 years$26,684$18,418$12,418$8,211$5,346$1,917
34 years$25,616$17,456$11,602$7,554$4,840$1,671
35 years$24,611$16,557$10,847$6,954$4,384$1,456
36 years$23,665$15,715$10,147$6,405$3,972$1,269
37 years$22,771$14,926$9,498$5,901$3,600$1,106
38 years$21,927$14,185$8,894$5,439$3,264$965
39 years$21,128$13,488$8,333$5,015$2,960$841
40 years$20,371$12,833$7,811$4,626$2,685$733
41 years$19,652$12,216$7,324$4,268$2,435$640
42 years$18,970$11,634$6,870$3,939$2,210$558
43 years$18,321$11,085$6,447$3,636$2,006$487
44 years$17,703$10,566$6,051$3,357$1,821$424
45 years$17,115$10,076$5,682$3,100$1,653$370
46 years$16,553$9,612$5,337$2,864$1,501$323
47 years$16,018$9,173$5,014$2,646$1,363$282
48 years$15,506$8,757$4,711$2,445$1,237$246
49 years$15,016$8,362$4,428$2,260$1,124$214
50 years$14,548$7,988$4,163$2,089$1,021$187

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 $3,329 every year, while hoping to spend $49,463 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: 71/8/21 Blend
51$14,900,000$14,900,000$14,900,000$14,900,000
52$16,423,234$15,633,534$15,402,584$17,504,446
53$18,045,775$16,346,949$15,865,942$18,939,064
54$19,832,159$17,093,663$16,343,165$20,503,143
55$21,799,043$17,875,257$16,834,665$22,214,479
56$23,964,785$18,693,384$17,340,867$24,087,667
57$26,349,614$19,549,781$17,862,206$26,138,774
58$28,975,818$20,446,264$18,399,134$28,385,490
59$31,867,960$21,384,739$18,952,113$30,847,294
60$35,053,103$22,367,202$19,521,620$33,545,631
61$38,561,071$23,395,747$20,108,146$36,504,119
62$42,424,727$24,472,565$20,712,195$39,748,764
63$46,680,284$25,599,956$21,334,289$43,308,207
64$51,367,648$26,780,328$21,974,962$47,213,988
65$56,530,791$28,016,207$22,634,767$51,500,844
66$62,218,169$29,310,239$23,314,269$56,207,034
67$68,483,179$30,665,197$24,014,053$61,374,696
68$75,384,660$32,083,990$24,734,722$67,050,242
69$82,987,453$33,569,663$25,476,892$73,284,794
70$91,363,008$35,125,411$26,241,203$80,134,663
71$100,590,061$36,754,582$27,028,309$87,661,878
72$110,755,376$38,460,685$27,838,887$95,934,765
73$121,954,565$40,247,399$28,673,630$105,028,593
74$134,292,988$42,118,580$29,533,254$115,026,277
75$147,886,751$44,078,268$30,418,496$126,019,160
76$162,863,798$46,130,701$31,330,114$138,107,867
77$179,365,121$48,280,321$32,268,888$151,403,257
78$197,546,089$50,531,782$33,235,621$166,027,458
79$217,577,915$52,889,965$34,231,140$182,115,022
80$239,649,275$55,359,986$35,256,296$199,814,184
81$263,968,084$57,947,208$36,311,965$219,288,262
82$290,763,461$60,657,253$37,399,048$240,717,192
83$320,287,891$63,496,016$38,518,473$264,299,220
84$352,819,609$66,469,674$39,671,195$290,252,768
85$388,665,227$69,584,706$40,858,198$318,818,492
86$428,162,625$72,847,902$42,080,492$350,261,548
87$471,684,145$76,266,381$43,339,121$384,874,085
88$519,640,101$79,847,607$44,635,155$422,978,002
89$572,482,656$83,599,404$45,969,697$464,927,976
90$630,710,089$87,529,976$47,343,883$511,114,806
91$694,871,496$91,647,924$48,758,882$561,969,093
92$765,571,981$95,962,264$50,215,897$617,965,298
93$843,478,358$100,482,450$51,716,164$679,626,213
94$929,325,453$105,218,393$53,260,958$747,527,890
95$1,023,923,040$110,180,485$54,851,591$822,305,068
96$1,128,163,482$115,379,620$56,489,411$904,657,159
97$1,243,030,158$120,827,222$58,175,807$995,354,838
98$1,369,606,746$126,535,268$59,912,209$1,095,247,312
99$1,509,087,453$132,516,315$61,700,087$1,205,270,326
100$1,662,788,287$138,783,529$63,540,954$1,326,454,986