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%13.1%
1 years$1,428,618$1,415,892$1,403,477$1,391,359$1,379,526$1,361,723
2 years$707,237$694,065$681,300$668,923$656,917$639,007
3 years$466,808$453,579$440,846$428,585$416,775$399,314
4 years$346,617$333,429$320,823$308,772$297,248$280,369
5 years$274,521$261,412$248,972$237,166$225,963$209,717
6 years$226,473$213,463$201,206$189,664$178,797$163,203
7 years$192,166$179,266$167,203$155,933$145,410$130,474
8 years$166,448$153,664$141,802$130,808$120,631$106,351
9 years$146,455$133,792$122,134$111,420$101,589$87,959
10 years$130,471$117,931$106,479$96,045$86,559$73,569
11 years$117,401$104,987$93,742$83,588$74,444$62,082
12 years$106,517$94,231$83,194$73,318$64,511$52,765
13 years$97,315$85,157$74,328$64,729$56,255$45,108
14 years$89,434$77,405$66,784$57,459$49,313$38,748
15 years$82,611$70,711$60,297$51,243$43,419$33,419
16 years$76,646$64,876$54,668$45,883$38,374$28,921
17 years$71,388$59,749$49,746$41,225$34,025$25,100
18 years$66,719$55,210$45,412$37,152$30,253$21,837
19 years$62,547$51,168$41,572$33,570$26,965$19,037
20 years$58,797$47,548$38,153$30,404$24,086$16,627
21 years$55,409$44,289$35,093$27,594$21,554$14,544
22 years$52,332$41,342$32,344$25,089$19,320$12,739
23 years$49,527$38,667$29,864$22,849$17,343$11,171
24 years$46,960$36,228$27,619$20,840$15,588$9,806
25 years$44,602$33,998$25,581$19,032$14,027$8,615
26 years$42,429$31,953$23,725$17,402$12,635$7,575
27 years$40,420$30,071$22,031$15,928$11,392$6,665
28 years$38,558$28,336$20,480$14,594$10,279$5,868
29 years$36,827$26,732$19,059$13,383$9,282$5,168
30 years$35,215$25,246$17,752$12,282$8,386$4,554
31 years$33,710$23,865$16,550$11,280$7,582$4,015
32 years$32,302$22,581$15,442$10,367$6,859$3,541
33 years$30,982$21,385$14,418$9,533$6,207$3,123
34 years$29,742$20,268$13,471$8,771$5,620$2,756
35 years$28,576$19,224$12,595$8,074$5,090$2,432
36 years$27,476$18,246$11,782$7,436$4,612$2,147
37 years$26,439$17,330$11,028$6,852$4,180$1,896
38 years$25,459$16,470$10,327$6,315$3,789$1,674
39 years$24,531$15,661$9,675$5,823$3,436$1,479
40 years$23,652$14,900$9,069$5,371$3,117$1,306
41 years$22,818$14,184$8,503$4,955$2,828$1,154
42 years$22,025$13,508$7,977$4,573$2,566$1,020
43 years$21,272$12,870$7,485$4,222$2,329$901
44 years$20,555$12,268$7,026$3,898$2,114$796
45 years$19,872$11,699$6,597$3,600$1,919$703
46 years$19,220$11,160$6,196$3,325$1,742$622
47 years$18,598$10,650$5,821$3,072$1,582$549
48 years$18,003$10,167$5,470$2,839$1,437$486
49 years$17,435$9,709$5,142$2,624$1,305$429
50 years$16,891$9,274$4,834$2,425$1,185$379

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 $6,478 every year, while hoping to spend $37,509 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: 51/25/24 Blend
51$17,300,000$17,300,000$17,300,000$17,300,000
52$19,071,282$18,154,382$17,886,232$19,915,446
53$20,976,644$19,004,037$18,445,512$21,351,213
54$23,075,095$19,894,069$19,022,270$22,907,145
55$25,386,291$20,826,415$19,617,053$24,598,215
56$27,931,892$21,803,109$20,230,423$26,437,269
57$30,735,765$22,826,281$20,862,962$28,438,423
58$33,824,209$23,898,165$21,515,267$30,617,192
59$37,226,207$25,021,103$22,187,957$32,990,634
60$40,973,694$26,197,551$22,881,668$35,577,498
61$45,101,863$27,430,083$23,597,056$38,398,400
62$49,649,494$28,721,398$24,334,798$41,476,013
63$54,659,321$30,074,326$25,095,593$44,835,270
64$60,178,437$31,491,832$25,880,160$48,503,592
65$66,258,734$32,977,029$26,689,242$52,511,146
66$72,957,397$34,533,176$27,523,604$56,891,115
67$80,337,443$36,163,692$28,384,036$61,680,009
68$88,468,312$37,872,164$29,271,351$66,917,997
69$97,426,529$39,662,349$30,186,390$72,649,281
70$107,296,418$41,538,187$31,130,018$78,922,502
71$118,170,907$43,503,812$32,103,128$85,791,191
72$130,152,396$45,563,556$33,106,639$93,314,265
73$143,353,731$47,721,961$34,141,502$101,556,573
74$157,899,265$49,983,790$35,208,696$110,589,494
75$173,926,032$52,354,038$36,309,229$120,491,605
76$191,585,042$54,837,940$37,444,143$131,349,409
77$211,042,705$57,440,988$38,614,511$143,258,138
78$232,482,404$60,168,940$39,821,440$156,322,641
79$256,106,222$63,027,831$41,066,071$170,658,359
80$282,136,854$66,023,992$42,349,582$186,392,404
81$310,819,706$69,164,060$43,673,186$203,664,740
82$342,425,213$72,454,997$45,038,135$222,629,494
83$377,251,392$75,904,098$46,445,719$243,456,391
84$415,626,653$79,519,018$47,897,270$266,332,341
85$457,912,903$83,307,782$49,394,160$291,463,189
86$504,508,959$87,278,803$50,937,804$319,075,635
87$555,854,314$91,440,905$52,529,662$349,419,360
88$612,433,287$95,803,343$54,171,238$382,769,361
89$674,779,593$100,375,817$55,864,085$419,428,526
90$743,481,383$105,168,503$57,609,803$459,730,473
91$819,186,794$110,192,070$59,410,042$504,042,677
92$902,610,072$115,457,707$61,266,503$552,769,913
93$994,538,311$120,977,146$63,180,943$606,358,057
94$1,095,838,884$126,762,691$65,155,169$665,298,265
95$1,207,467,631$132,827,244$67,191,048$730,131,587
96$1,330,477,886$139,184,335$69,290,505$801,454,041
97$1,466,030,416$145,848,153$71,455,523$879,922,216
98$1,615,404,384$152,833,578$73,688,148$966,259,437
99$1,780,009,420$160,156,213$75,990,490$1,061,262,561
100$1,961,398,935$167,832,421$78,364,725$1,165,809,465