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%13.7%
1 years$1,420,360$1,407,708$1,395,364$1,383,316$1,371,552$1,350,499
2 years$703,148$690,053$677,361$665,056$653,120$631,960
3 years$464,109$450,957$438,298$426,108$414,366$393,758
4 years$344,613$331,501$318,968$306,987$295,529$275,632
5 years$272,934$259,901$247,533$235,795$224,657$205,527
6 years$225,164$212,229$200,043$188,567$177,763$159,424
7 years$191,055$178,229$166,237$155,032$144,569$127,026
8 years$165,486$152,776$140,982$130,052$119,934$103,185
9 years$145,609$133,019$121,428$110,776$101,002$85,037
10 years$129,717$117,249$105,863$95,490$86,059$70,866
11 years$116,722$104,380$93,200$83,105$74,013$59,578
12 years$105,901$93,686$82,713$72,894$64,138$50,442
13 years$96,753$84,665$73,899$64,354$55,930$42,953
14 years$88,917$76,958$66,398$57,127$49,028$36,750
15 years$82,133$70,302$59,949$50,947$43,168$31,566
16 years$76,202$64,501$54,352$45,617$38,152$27,203
17 years$70,975$59,403$49,458$40,987$33,828$23,509
18 years$66,334$54,891$45,149$36,937$30,078$20,365
19 years$62,186$50,873$41,332$33,376$26,810$17,676
20 years$58,457$47,273$37,932$30,229$23,947$15,370
21 years$55,088$44,033$34,890$27,434$21,430$13,384
22 years$52,030$41,103$32,157$24,944$19,209$11,669
23 years$49,241$38,443$29,691$22,717$17,243$10,186
24 years$46,689$36,019$27,459$20,719$15,498$8,900
25 years$44,344$33,802$25,433$18,922$13,946$7,782
26 years$42,184$31,768$23,588$17,301$12,562$6,810
27 years$40,186$29,898$21,903$15,836$11,326$5,963
28 years$38,335$28,172$20,362$14,509$10,219$5,224
29 years$36,615$26,577$18,949$13,305$9,228$4,579
30 years$35,012$25,100$17,650$12,211$8,338$4,015
31 years$33,515$23,727$16,454$11,215$7,538$3,522
32 years$32,115$22,451$15,352$10,307$6,819$3,091
33 years$30,803$21,261$14,334$9,478$6,171$2,713
34 years$29,570$20,151$13,393$8,721$5,587$2,382
35 years$28,410$19,113$12,522$8,028$5,061$2,092
36 years$27,318$18,141$11,714$7,393$4,585$1,837
37 years$26,286$17,230$10,964$6,812$4,156$1,614
38 years$25,312$16,374$10,267$6,279$3,768$1,418
39 years$24,389$15,570$9,619$5,789$3,417$1,246
40 years$23,515$14,814$9,016$5,340$3,099$1,095
41 years$22,686$14,102$8,454$4,927$2,811$962
42 years$21,898$13,430$7,930$4,547$2,551$846
43 years$21,149$12,796$7,442$4,197$2,315$743
44 years$20,436$12,197$6,985$3,875$2,102$654
45 years$19,757$11,631$6,559$3,579$1,908$575
46 years$19,109$11,096$6,160$3,306$1,732$505
47 years$18,490$10,589$5,788$3,054$1,573$444
48 years$17,899$10,108$5,439$2,822$1,428$391
49 years$17,334$9,653$5,112$2,608$1,297$343
50 years$16,793$9,221$4,806$2,411$1,178$302

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 $3,267 every year, while hoping to spend $55,682 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: 53/18/29 Blend
51$17,200,000$17,200,000$17,200,000$17,200,000
52$18,957,770$18,046,170$17,779,570$19,808,512
53$20,832,217$18,871,187$18,315,940$21,224,385
54$22,895,992$19,734,764$18,868,413$22,758,534
55$25,168,347$20,638,731$19,437,468$24,427,107
56$27,670,496$21,585,006$20,023,601$26,243,005
57$30,425,816$22,575,601$20,627,322$28,220,414
58$33,460,066$23,612,623$21,249,154$30,374,934
59$36,801,631$24,698,279$21,889,638$32,723,723
60$40,481,787$25,834,885$22,549,331$35,285,652
61$44,535,001$27,024,865$23,228,805$38,081,481
62$48,999,250$28,270,763$23,928,649$41,134,048
63$53,916,386$29,575,242$24,649,471$44,468,482
64$59,332,524$30,941,097$25,391,896$48,112,434
65$65,298,484$32,371,253$26,156,567$52,096,328
66$71,870,264$33,868,779$26,944,146$56,453,651
67$79,109,573$35,436,891$27,755,317$61,221,255
68$87,084,411$37,078,960$28,590,781$66,439,705
69$95,869,710$38,798,518$29,451,261$72,153,648
70$105,548,044$40,599,269$30,337,503$78,412,236
71$116,210,407$42,485,095$31,250,271$85,269,577
72$127,957,069$44,460,066$32,190,356$92,785,241
73$140,898,526$46,528,445$33,158,569$101,024,812
74$155,156,542$48,694,705$34,155,747$110,060,503
75$170,865,296$50,963,533$35,182,752$119,971,827
76$188,172,651$53,339,841$36,240,469$130,846,336
77$207,241,548$55,828,779$37,329,810$142,780,446
78$228,251,543$58,435,747$38,451,717$155,880,329
79$251,400,506$61,166,404$39,607,155$170,262,911
80$276,906,483$64,026,683$40,797,120$186,056,964
81$305,009,758$67,022,804$42,022,637$203,404,309
82$335,975,120$70,161,288$43,284,762$222,461,148
83$370,094,361$73,448,971$44,584,581$243,399,520
84$407,689,033$76,893,017$45,923,211$266,408,921
85$449,113,481$80,500,941$47,301,805$291,698,071
86$494,758,188$84,280,619$48,721,547$319,496,881
87$545,053,461$88,240,307$50,183,657$350,058,599
88$600,473,495$92,388,663$51,689,391$383,662,197
89$661,540,847$96,734,763$53,240,041$420,614,979
90$728,831,369$101,288,122$54,836,937$461,255,475
91$802,979,645$106,058,717$56,481,451$505,956,612
92$884,684,980$111,057,006$58,174,992$555,129,227
93$974,718,004$116,293,955$59,919,010$609,225,919
94$1,073,927,945$121,781,063$61,715,001$668,745,306
95$1,183,250,643$127,530,383$63,564,501$734,236,714
96$1,303,717,391$133,554,554$65,469,094$806,305,340
97$1,436,464,665$139,866,828$67,430,410$885,617,947
98$1,582,744,857$146,481,098$69,450,124$972,909,131
99$1,743,938,093$153,411,933$71,529,964$1,068,988,239
100$1,921,565,268$160,674,606$73,671,707$1,174,746,981