Can I retire at age 52 with 17,000,000?

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 $17,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$1,403,844$1,391,339$1,379,139$1,367,231$1,355,604$1,304,395
2 years$694,972$682,029$669,485$657,323$645,526$594,528
3 years$458,713$445,714$433,201$421,153$409,548$360,366
4 years$340,606$327,647$315,260$303,417$292,093$245,102
5 years$269,760$256,879$244,654$233,053$222,044$177,365
6 years$222,546$209,761$197,717$186,375$175,696$133,360
7 years$188,834$176,157$164,304$153,229$142,888$102,882
8 years$163,562$150,999$139,343$128,540$118,539$80,827
9 years$143,916$131,472$120,016$109,487$99,827$64,354
10 years$128,208$115,886$104,632$94,379$85,058$51,759
11 years$115,365$103,166$92,117$82,138$73,153$41,955
12 years$104,670$92,597$81,751$72,046$63,393$34,217
13 years$95,628$83,680$73,039$63,606$55,280$28,041
14 years$87,883$76,063$65,626$56,462$48,458$23,070
15 years$81,178$69,485$59,252$50,355$42,666$19,039
16 years$75,316$63,751$53,720$45,087$37,708$15,753
17 years$70,150$58,712$48,883$40,510$33,435$13,062
18 years$65,562$54,253$44,624$36,508$29,729$10,848
19 years$61,463$50,281$40,851$32,988$26,498$9,023
20 years$57,778$46,724$37,491$29,877$23,668$7,513
21 years$54,448$43,521$34,485$27,115$21,180$6,262
22 years$51,425$40,625$31,783$24,654$18,985$5,224
23 years$48,669$37,996$29,346$22,453$17,042$4,360
24 years$46,146$35,600$27,140$20,478$15,318$3,642
25 years$43,829$33,409$25,137$18,702$13,784$3,043
26 years$41,693$31,399$23,313$17,100$12,416$2,544
27 years$39,719$29,550$21,649$15,652$11,194$2,127
28 years$37,889$27,845$20,125$14,341$10,101$1,779
29 years$36,189$26,268$18,728$13,151$9,121$1,488
30 years$34,605$24,808$17,445$12,069$8,241$1,245
31 years$33,126$23,452$16,263$11,085$7,451$1,042
32 years$31,742$22,190$15,174$10,187$6,740$872
33 years$30,445$21,014$14,168$9,368$6,099$730
34 years$29,226$19,917$13,238$8,619$5,522$611
35 years$28,080$18,891$12,376$7,934$5,002$512
36 years$27,000$17,930$11,578$7,307$4,532$428
37 years$25,981$17,029$10,836$6,733$4,107$359
38 years$25,017$16,184$10,148$6,206$3,724$300
39 years$24,106$15,389$9,507$5,722$3,377$251
40 years$23,242$14,642$8,911$5,278$3,063$211
41 years$22,422$13,938$8,356$4,869$2,779$176
42 years$21,643$13,274$7,838$4,494$2,521$148
43 years$20,903$12,647$7,355$4,148$2,288$124
44 years$20,198$12,055$6,904$3,830$2,077$104
45 years$19,527$11,496$6,483$3,537$1,886$87
46 years$18,886$10,967$6,089$3,268$1,712$73
47 years$18,275$10,465$5,720$3,019$1,555$61
48 years$17,691$9,991$5,375$2,790$1,412$51
49 years$17,132$9,541$5,053$2,578$1,282$43
50 years$16,598$9,114$4,750$2,383$1,165$36

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $17,000,000, adding $3,404 every year, while hoping to spend $48,987 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: 41/37/22 Blend
51$17,000,000$17,000,000$17,000,000$17,000,000
52$18,737,511$17,836,511$17,573,011$19,384,207
53$20,596,616$18,658,378$18,109,585$20,668,925
54$22,643,707$19,518,875$18,662,493$22,053,651
55$24,897,908$20,419,843$19,232,229$23,551,492
56$27,380,290$21,363,211$19,819,305$25,172,832
57$30,114,074$22,351,003$20,424,245$26,929,068
58$33,124,845$23,385,337$21,047,593$28,832,707
59$36,440,797$24,468,437$21,689,905$30,897,475
60$40,092,998$25,602,631$22,351,758$33,138,446
61$44,115,685$26,790,360$23,033,742$35,572,170
62$48,546,581$28,034,184$23,736,469$38,216,824
63$53,427,258$29,336,785$24,460,566$41,092,374
64$58,803,525$30,700,974$25,206,682$44,220,757
65$64,725,863$32,129,700$25,975,484$47,626,076
66$71,249,896$33,626,051$26,767,658$51,334,821
67$78,436,924$35,193,265$27,583,913$55,376,104
68$86,354,494$36,834,739$28,424,978$59,781,930
69$95,077,042$38,554,031$29,291,604$64,587,481
70$104,686,593$40,354,871$30,184,566$69,831,442
71$115,273,537$42,241,171$31,104,660$75,556,354
72$126,937,479$44,217,030$32,052,708$81,808,997
73$139,788,184$46,286,747$33,029,556$88,640,827
74$153,946,608$48,454,827$34,036,075$96,108,441
75$169,546,043$50,725,993$35,073,163$104,274,100
76$186,733,371$53,105,199$36,141,746$113,206,302
77$205,670,456$55,597,635$37,242,776$122,980,412
78$226,535,668$58,208,744$38,377,234$133,679,356
79$249,525,566$60,944,233$39,546,132$145,394,389
80$274,856,756$63,810,083$40,750,510$158,225,937
81$302,767,935$66,812,566$41,991,441$172,284,526
82$333,522,141$69,958,259$43,270,032$187,691,805
83$367,409,241$73,254,055$44,587,419$204,581,678
84$404,748,662$76,707,182$45,944,776$223,101,540
85$445,892,409$80,325,218$47,343,310$243,413,650
86$491,228,389$84,116,108$48,784,265$265,696,639
87$541,184,071$88,088,183$50,268,924$290,147,171
88$596,230,519$92,250,177$51,798,605$316,981,772
89$656,886,843$96,611,247$53,374,670$346,438,852
90$723,725,098$101,180,995$54,998,519$378,780,921
91$797,375,683$105,969,489$56,671,594$414,297,041
92$878,533,292$110,987,283$58,395,381$453,305,526
93$967,963,474$116,245,446$60,171,413$496,156,908
94$1,066,509,857$121,755,582$62,001,264$543,237,219
95$1,175,102,117$127,529,859$63,886,560$594,971,598
96$1,294,764,746$133,581,036$65,828,974$651,828,264
97$1,426,626,734$139,922,490$67,830,228$714,322,900
98$1,571,932,217$146,568,249$69,892,097$783,023,482
99$1,732,052,231$153,533,021$72,016,410$858,555,595
100$1,908,497,649$160,832,229$74,205,050$941,608,297