Can I retire at age 52 with 17,100,000?

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 $17,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$1,412,102$1,399,524$1,387,252$1,375,274$1,363,578$1,331,696
2 years$699,060$686,041$673,423$661,189$649,323$617,383
3 years$461,411$448,335$435,749$423,630$411,957$380,958
4 years$342,609$329,574$317,114$305,202$293,811$263,991
5 years$271,347$258,390$246,093$234,424$223,351$194,794
6 years$223,855$210,995$198,880$187,471$176,730$149,465
7 years$189,945$177,193$165,270$154,130$143,729$117,760
8 years$164,524$151,887$140,162$129,296$119,237$94,553
9 years$144,762$132,245$120,722$110,132$100,415$76,998
10 years$128,962$116,568$105,248$94,934$85,558$63,382
11 years$116,044$103,773$92,659$82,621$73,583$52,617
12 years$105,286$93,141$82,232$72,470$63,765$43,975
13 years$96,190$84,173$73,469$63,980$55,605$36,953
14 years$88,400$76,511$66,012$56,794$48,743$31,191
15 years$81,655$69,894$59,600$50,651$42,917$26,423
16 years$75,759$64,126$54,036$45,352$37,930$22,453
17 years$70,563$59,058$49,171$40,749$33,631$19,127
18 years$65,948$54,572$44,887$36,723$29,904$16,329
19 years$61,824$50,577$41,092$33,182$26,654$13,965
20 years$58,117$46,998$37,712$30,053$23,808$11,962
21 years$54,768$43,777$34,688$27,275$21,305$10,259
22 years$51,727$40,864$31,970$24,799$19,097$8,808
23 years$48,955$38,220$29,519$22,585$17,143$7,570
24 years$46,417$35,809$27,300$20,599$15,408$6,511
25 years$44,086$33,605$25,285$18,812$13,865$5,603
26 years$41,938$31,584$23,451$17,201$12,489$4,826
27 years$39,953$29,724$21,776$15,744$11,260$4,158
28 years$38,112$28,009$20,244$14,425$10,160$3,584
29 years$36,402$26,423$18,838$13,228$9,174$3,090
30 years$34,808$24,954$17,547$12,140$8,290$2,666
31 years$33,320$23,589$16,359$11,150$7,495$2,300
32 years$31,928$22,320$15,263$10,247$6,779$1,985
33 years$30,624$21,138$14,251$9,423$6,135$1,713
34 years$29,398$20,034$13,315$8,670$5,555$1,479
35 years$28,245$19,002$12,449$7,981$5,031$1,277
36 years$27,159$18,035$11,646$7,350$4,559$1,103
37 years$26,133$17,130$10,900$6,772$4,132$953
38 years$25,164$16,279$10,208$6,242$3,746$823
39 years$24,247$15,480$9,563$5,756$3,397$711
40 years$23,378$14,728$8,964$5,309$3,081$614
41 years$22,554$14,020$8,405$4,898$2,795$531
42 years$21,771$13,352$7,884$4,520$2,536$458
43 years$21,026$12,722$7,398$4,173$2,302$396
44 years$20,317$12,126$6,945$3,853$2,089$342
45 years$19,642$11,564$6,521$3,558$1,897$296
46 years$18,998$11,031$6,125$3,287$1,722$256
47 years$18,383$10,527$5,754$3,037$1,564$221
48 years$17,795$10,049$5,407$2,806$1,420$191
49 years$17,233$9,597$5,082$2,593$1,290$165
50 years$16,696$9,167$4,778$2,397$1,172$143

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $17,100,000, adding $5,746 every year, while hoping to spend $37,116 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: 27/45/28 Blend
51$17,100,000$17,100,000$17,100,000$17,100,000
52$18,850,127$17,943,827$17,678,777$19,194,585
53$20,733,349$18,783,583$18,231,525$20,313,959
54$22,807,415$19,663,244$18,801,546$21,511,346
55$25,091,753$20,584,725$19,389,379$22,796,196
56$27,607,770$21,550,034$19,995,582$24,175,987
57$30,379,056$22,561,279$20,620,727$25,658,898
58$33,431,604$23,620,666$21,265,406$27,253,877
59$36,794,060$24,730,511$21,930,229$28,970,717
60$40,497,987$25,893,239$22,615,825$30,820,136
61$44,578,170$27,111,396$23,322,843$32,813,872
62$49,072,937$28,387,648$24,051,952$34,964,784
63$54,024,526$29,724,792$24,803,842$37,286,957
64$59,479,481$31,125,760$25,579,223$39,795,831
65$65,489,091$32,593,625$26,378,830$42,508,330
66$72,109,877$34,131,611$27,203,420$45,443,011
67$79,404,121$35,743,097$28,053,771$48,620,226
68$87,440,457$37,431,625$28,930,688$52,062,303
69$96,294,519$39,200,910$29,835,002$55,793,739
70$106,049,653$41,054,847$30,767,567$59,841,418
71$116,797,702$42,997,519$31,729,265$64,234,851
72$128,639,878$45,033,208$32,721,006$69,006,438
73$141,687,714$47,166,403$33,743,728$74,191,753
74$156,064,116$49,401,812$34,798,398$79,829,869
75$171,904,524$51,744,370$35,886,013$85,963,704
76$189,358,194$54,199,252$37,007,603$92,640,407
77$208,589,599$56,771,885$38,164,227$99,911,784
78$229,779,989$59,467,958$39,356,979$107,834,767
79$253,129,097$62,293,438$40,586,987$116,471,927
80$278,857,029$65,254,580$41,855,415$125,892,045
81$307,206,335$68,357,943$43,163,461$136,170,732
82$338,444,306$71,610,408$44,512,362$147,391,124
83$372,865,493$75,019,185$45,903,393$159,644,634
84$410,794,486$78,591,838$47,337,870$173,031,792
85$452,588,983$82,336,297$48,817,148$187,663,164
86$498,643,163$86,260,879$50,342,625$203,660,364
87$549,391,407$90,374,304$51,915,745$221,157,172
88$605,312,401$94,685,716$53,537,993$240,300,764
89$666,933,654$99,204,703$55,210,904$261,253,063
90$734,836,475$103,941,322$56,936,057$284,192,239
91$809,661,464$108,906,116$58,715,085$309,314,343
92$892,114,561$114,110,143$60,549,667$336,835,128
93$982,973,703$119,564,997$62,441,538$366,992,037
94$1,083,096,177$125,282,838$64,392,485$400,046,403
95$1,193,426,706$131,276,417$66,404,353$436,285,874
96$1,315,006,373$137,559,104$68,479,042$476,027,074
97$1,448,982,446$144,144,923$70,618,513$519,618,548
98$1,596,619,209$151,048,578$72,824,786$567,444,000
99$1,759,309,899$158,285,489$75,099,948$619,925,854
100$1,938,589,859$165,871,828$77,446,146$677,529,193