Can I retire at age 52 with 17,300,000?

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 $17,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$1,428,618$1,415,892$1,403,477$1,391,359$1,379,526$1,337,510
2 years$707,237$694,065$681,300$668,923$656,917$614,947
3 years$466,808$453,579$440,846$428,585$416,775$376,167
4 years$346,617$333,429$320,823$308,772$297,248$258,313
5 years$274,521$261,412$248,972$237,166$225,963$188,808
6 years$226,473$213,463$201,206$189,664$178,797$143,453
7 years$192,166$179,266$167,203$155,933$145,410$111,876
8 years$166,448$153,664$141,802$130,808$120,631$88,886
9 years$146,455$133,792$122,134$111,420$101,589$71,598
10 years$130,471$117,931$106,479$96,045$86,559$58,279
11 years$117,401$104,987$93,742$83,588$74,444$47,826
12 years$106,517$94,231$83,194$73,318$64,511$39,501
13 years$97,315$85,157$74,328$64,729$56,255$32,793
14 years$89,434$77,405$66,784$57,459$49,313$27,339
15 years$82,611$70,711$60,297$51,243$43,419$22,869
16 years$76,646$64,876$54,668$45,883$38,374$19,184
17 years$71,388$59,749$49,746$41,225$34,025$16,130
18 years$66,719$55,210$45,412$37,152$30,253$13,588
19 years$62,547$51,168$41,572$33,570$26,965$11,465
20 years$58,797$47,548$38,153$30,404$24,086$9,687
21 years$55,409$44,289$35,093$27,594$21,554$8,194
22 years$52,332$41,342$32,344$25,089$19,320$6,937
23 years$49,527$38,667$29,864$22,849$17,343$5,878
24 years$46,960$36,228$27,619$20,840$15,588$4,984
25 years$44,602$33,998$25,581$19,032$14,027$4,228
26 years$42,429$31,953$23,725$17,402$12,635$3,589
27 years$40,420$30,071$22,031$15,928$11,392$3,047
28 years$38,558$28,336$20,480$14,594$10,279$2,589
29 years$36,827$26,732$19,059$13,383$9,282$2,199
30 years$35,215$25,246$17,752$12,282$8,386$1,869
31 years$33,710$23,865$16,550$11,280$7,582$1,589
32 years$32,302$22,581$15,442$10,367$6,859$1,351
33 years$30,982$21,385$14,418$9,533$6,207$1,149
34 years$29,742$20,268$13,471$8,771$5,620$977
35 years$28,576$19,224$12,595$8,074$5,090$831
36 years$27,476$18,246$11,782$7,436$4,612$707
37 years$26,439$17,330$11,028$6,852$4,180$601
38 years$25,459$16,470$10,327$6,315$3,789$511
39 years$24,531$15,661$9,675$5,823$3,436$435
40 years$23,652$14,900$9,069$5,371$3,117$370
41 years$22,818$14,184$8,503$4,955$2,828$315
42 years$22,025$13,508$7,977$4,573$2,566$268
43 years$21,272$12,870$7,485$4,222$2,329$228
44 years$20,555$12,268$7,026$3,898$2,114$194
45 years$19,872$11,699$6,597$3,600$1,919$165
46 years$19,220$11,160$6,196$3,325$1,742$141
47 years$18,598$10,650$5,821$3,072$1,582$120
48 years$18,003$10,167$5,470$2,839$1,437$102
49 years$17,435$9,709$5,142$2,624$1,305$87
50 years$16,891$9,274$4,834$2,425$1,185$74

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $17,300,000, adding $3,933 every year, while hoping to spend $39,441 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: 61/31/8 Blend
51$17,300,000$17,300,000$17,300,000$17,300,000
52$19,068,657$18,151,757$17,883,607$20,199,394
53$20,971,695$18,999,228$18,440,743$21,803,993
54$23,067,521$19,886,903$19,015,221$23,549,116
55$25,375,758$20,816,711$19,607,580$25,452,209
56$27,918,028$21,790,673$20,218,378$27,528,510
57$30,718,160$22,810,909$20,848,186$29,794,774
58$33,802,408$23,879,639$21,497,596$32,269,420
59$37,199,706$24,999,194$22,167,217$34,972,708
60$40,941,936$26,172,014$22,857,679$37,926,914
61$45,064,231$27,400,661$23,569,629$41,156,542
62$49,605,306$28,687,816$24,303,735$44,688,545
63$54,607,823$30,036,295$25,060,686$48,552,574
64$60,118,794$31,449,047$25,841,192$52,781,249
65$66,190,025$32,929,164$26,645,986$57,410,460
66$72,878,604$34,479,890$27,475,823$62,479,701
67$80,247,439$36,104,622$28,331,481$68,032,431
68$88,365,855$37,806,926$29,213,763$74,116,475
69$97,310,244$39,590,537$30,123,496$80,784,470
70$107,164,790$41,459,375$31,061,534$88,094,351
71$118,022,260$43,417,545$32,028,757$96,109,887
72$129,984,882$45,469,356$33,026,072$104,901,272
73$143,165,308$47,619,323$34,054,413$114,545,780
74$157,687,680$49,872,180$35,114,746$125,128,480
75$173,688,799$52,232,892$36,208,065$136,743,031
76$191,319,416$54,706,663$37,335,395$149,492,547
77$210,745,658$57,298,952$38,497,793$163,490,565
78$232,150,594$60,015,480$39,696,348$178,862,098
79$255,735,964$62,862,247$40,932,185$195,744,805
80$281,724,080$65,845,545$42,206,461$214,290,269
81$310,359,931$68,971,971$43,520,372$234,665,422
82$341,913,488$72,248,442$44,875,148$257,054,095
83$376,682,258$75,682,210$46,272,061$281,658,742
84$414,994,092$79,280,882$47,712,418$308,702,331
85$457,210,274$83,052,430$49,197,569$338,430,433
86$503,728,942$87,005,219$50,728,907$371,113,515
87$554,988,835$91,148,015$52,307,866$407,049,479
88$611,473,442$95,490,014$53,935,926$446,566,449
89$673,715,565$100,040,857$55,614,612$490,025,845
90$742,302,348$104,810,654$57,345,496$537,825,775
91$817,880,818$109,810,007$59,130,201$590,404,766
92$901,163,996$115,050,032$60,970,397$648,245,880
93$992,937,628$120,542,388$62,867,810$711,881,242
94$1,094,067,599$126,299,298$64,824,215$781,897,043
95$1,205,508,113$132,333,582$66,841,445$858,939,037
96$1,328,310,697$138,658,684$68,921,389$943,718,608
97$1,463,634,127$145,288,699$71,065,995$1,037,019,457
98$1,612,755,374$152,238,411$73,277,271$1,139,704,961
99$1,777,081,650$159,523,321$75,557,288$1,252,726,290
100$1,958,163,702$167,159,687$77,908,181$1,377,131,349