Can I retire at age 52 with 17,200,000?

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 $17,200,000?

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$1,420,360$1,407,708$1,395,364$1,383,316$1,371,552$1,339,483
2 years$703,148$690,053$677,361$665,056$653,120$620,994
3 years$464,109$450,957$438,298$426,108$414,366$383,186
4 years$344,613$331,501$318,968$306,987$295,529$265,535
5 years$272,934$259,901$247,533$235,795$224,657$195,933
6 years$225,164$212,229$200,043$188,567$177,763$150,339
7 years$191,055$178,229$166,237$155,032$144,569$118,448
8 years$165,486$152,776$140,982$130,052$119,934$95,106
9 years$145,609$133,019$121,428$110,776$101,002$77,448
10 years$129,717$117,249$105,863$95,490$86,059$63,753
11 years$116,722$104,380$93,200$83,105$74,013$52,925
12 years$105,901$93,686$82,713$72,894$64,138$44,232
13 years$96,753$84,665$73,899$64,354$55,930$37,169
14 years$88,917$76,958$66,398$57,127$49,028$31,373
15 years$82,133$70,302$59,949$50,947$43,168$26,578
16 years$76,202$64,501$54,352$45,617$38,152$22,584
17 years$70,975$59,403$49,458$40,987$33,828$19,239
18 years$66,334$54,891$45,149$36,937$30,078$16,425
19 years$62,186$50,873$41,332$33,376$26,810$14,047
20 years$58,457$47,273$37,932$30,229$23,947$12,032
21 years$55,088$44,033$34,890$27,434$21,430$10,319
22 years$52,030$41,103$32,157$24,944$19,209$8,860
23 years$49,241$38,443$29,691$22,717$17,243$7,614
24 years$46,689$36,019$27,459$20,719$15,498$6,549
25 years$44,344$33,802$25,433$18,922$13,946$5,636
26 years$42,184$31,768$23,588$17,301$12,562$4,854
27 years$40,186$29,898$21,903$15,836$11,326$4,182
28 years$38,335$28,172$20,362$14,509$10,219$3,605
29 years$36,615$26,577$18,949$13,305$9,228$3,108
30 years$35,012$25,100$17,650$12,211$8,338$2,681
31 years$33,515$23,727$16,454$11,215$7,538$2,313
32 years$32,115$22,451$15,352$10,307$6,819$1,997
33 years$30,803$21,261$14,334$9,478$6,171$1,723
34 years$29,570$20,151$13,393$8,721$5,587$1,488
35 years$28,410$19,113$12,522$8,028$5,061$1,285
36 years$27,318$18,141$11,714$7,393$4,585$1,109
37 years$26,286$17,230$10,964$6,812$4,156$958
38 years$25,312$16,374$10,267$6,279$3,768$828
39 years$24,389$15,570$9,619$5,789$3,417$715
40 years$23,515$14,814$9,016$5,340$3,099$618
41 years$22,686$14,102$8,454$4,927$2,811$534
42 years$21,898$13,430$7,930$4,547$2,551$461
43 years$21,149$12,796$7,442$4,197$2,315$398
44 years$20,436$12,197$6,985$3,875$2,102$344
45 years$19,757$11,631$6,559$3,579$1,908$297
46 years$19,109$11,096$6,160$3,306$1,732$257
47 years$18,490$10,589$5,788$3,054$1,573$222
48 years$17,899$10,108$5,439$2,822$1,428$192
49 years$17,334$9,653$5,112$2,608$1,297$166
50 years$16,793$9,221$4,806$2,411$1,178$143

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $17,200,000, adding $5,237 every year, while hoping to spend $20,978 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: 52/22/26 Blend
51$17,200,000$17,200,000$17,200,000$17,200,000
52$18,959,802$18,048,202$17,781,602$19,807,591
53$20,871,381$18,910,243$18,354,965$21,258,024
54$22,977,239$19,813,822$18,946,833$22,832,384
55$25,297,168$20,760,950$19,557,803$24,544,601
56$27,852,983$21,753,740$20,188,493$26,407,828
57$30,668,718$22,794,405$20,839,539$28,436,520
58$33,770,863$23,885,266$21,511,599$30,646,569
59$37,188,606$25,028,759$22,205,352$33,055,446
60$40,954,111$26,227,436$22,921,499$35,682,359
61$45,102,824$27,483,974$23,660,763$38,548,432
62$49,673,806$28,801,182$24,423,892$41,676,898
63$54,710,097$30,182,003$25,211,655$45,093,308
64$60,259,132$31,629,526$26,024,851$48,825,770
65$66,373,179$33,146,988$26,864,299$52,905,203
66$73,109,839$34,737,787$27,730,849$57,365,628
67$80,532,586$36,405,482$28,625,375$62,244,474
68$88,711,368$38,153,808$29,548,784$67,582,930
69$97,723,266$39,986,683$30,502,006$73,426,320
70$107,653,223$41,908,214$31,486,007$79,824,528
71$118,594,844$43,922,709$32,501,781$86,832,455
72$130,651,282$46,034,686$33,550,354$94,510,529
73$143,936,209$48,248,882$34,632,787$102,925,269
74$158,574,891$50,570,266$35,750,175$112,149,896
75$174,705,370$53,004,049$36,903,646$122,265,021
76$192,479,767$55,555,697$38,094,367$133,359,391
77$212,065,718$58,230,941$39,323,543$145,530,713
78$233,647,955$61,035,791$40,592,416$158,886,568
79$257,430,055$63,976,553$41,902,270$173,545,412
80$283,636,353$67,059,837$43,254,429$189,637,683
81$312,514,070$70,292,577$44,650,261$207,307,013
82$344,335,638$73,682,047$46,091,178$226,711,577
83$379,401,278$77,235,872$47,578,637$248,025,563
84$418,041,831$80,962,052$49,114,144$271,440,809
85$460,621,880$84,868,975$50,699,251$297,168,588
86$507,543,199$88,965,441$52,335,562$325,441,593
87$559,248,535$93,260,678$54,024,733$356,516,112
88$616,225,797$97,764,363$55,768,473$390,674,430
89$679,012,658$102,486,646$57,568,546$428,227,470
90$748,201,631$107,438,174$59,426,775$469,517,713
91$824,445,665$112,630,112$61,345,040$514,922,407
92$908,464,305$118,074,170$63,325,281$564,857,105
93$1,001,050,490$123,782,630$65,369,504$619,779,565
94$1,103,078,035$129,768,374$67,479,777$680,194,047
95$1,215,509,882$136,044,912$69,658,237$746,656,048
96$1,339,407,191$142,626,413$71,907,088$819,777,517
97$1,475,939,357$149,527,740$74,228,609$900,232,607
98$1,626,395,052$156,764,480$76,625,148$988,764,007
99$1,792,194,389$164,352,982$79,099,132$1,086,189,924
100$1,974,902,330$172,310,391$81,653,067$1,193,411,774