Can I retire at age 52 with 17,400,000?

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 $17,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$1,436,876$1,424,077$1,411,590$1,399,402$1,387,500$1,364,514
2 years$711,325$698,077$685,238$672,789$660,714$637,624
3 years$469,506$456,201$443,394$431,063$419,184$396,707
4 years$348,620$335,356$322,677$310,556$298,966$277,276
5 years$276,108$262,923$250,411$238,537$227,269$206,429
6 years$227,782$214,697$202,369$190,760$179,830$159,863
7 years$193,277$180,302$168,170$156,834$146,250$127,162
8 years$167,410$154,552$142,621$131,564$121,329$103,116
9 years$147,302$134,565$122,840$112,064$102,176$84,830
10 years$131,225$118,613$107,094$96,600$87,059$70,564
11 years$118,079$105,594$94,284$84,071$74,874$59,212
12 years$107,133$94,775$83,675$73,741$64,884$50,036
13 years$97,878$85,649$74,758$65,103$56,580$42,523
14 years$89,951$77,853$67,170$57,791$49,598$36,309
15 years$83,088$71,120$60,646$51,539$43,670$31,123
16 years$77,089$65,251$54,984$46,148$38,596$26,765
17 years$71,800$60,094$50,034$41,463$34,221$23,081
18 years$67,105$55,529$45,674$37,367$30,428$19,951
19 years$62,909$51,464$41,813$33,764$27,121$17,279
20 years$59,137$47,823$38,373$30,580$24,225$14,991
21 years$55,729$44,545$35,296$27,753$21,679$13,024
22 years$52,635$41,581$32,531$25,234$19,432$11,330
23 years$49,814$38,890$30,036$22,981$17,443$9,867
24 years$47,232$36,438$27,779$20,960$15,678$8,600
25 years$44,860$34,195$25,729$19,142$14,108$7,503
26 years$42,674$32,138$23,862$17,502$12,708$6,550
27 years$40,654$30,245$22,158$16,020$11,457$5,721
28 years$38,781$28,500$20,599$14,678$10,338$5,000
29 years$37,040$26,886$19,169$13,460$9,335$4,372
30 years$35,419$25,391$17,855$12,353$8,435$3,824
31 years$33,905$24,003$16,646$11,345$7,626$3,347
32 years$32,489$22,712$15,531$10,427$6,898$2,929
33 years$31,161$21,509$14,501$9,588$6,243$2,565
34 years$29,914$20,385$13,549$8,822$5,652$2,246
35 years$28,741$19,335$12,667$8,121$5,119$1,967
36 years$27,635$18,352$11,850$7,479$4,639$1,724
37 years$26,592$17,430$11,091$6,891$4,204$1,510
38 years$25,606$16,565$10,387$6,352$3,811$1,323
39 years$24,673$15,751$9,731$5,857$3,456$1,160
40 years$23,789$14,986$9,121$5,402$3,135$1,017
41 years$22,950$14,266$8,553$4,984$2,844$891
42 years$22,153$13,586$8,023$4,600$2,581$781
43 years$21,395$12,945$7,528$4,246$2,342$685
44 years$20,674$12,339$7,066$3,920$2,126$601
45 years$19,986$11,766$6,635$3,621$1,930$527
46 years$19,331$11,225$6,232$3,344$1,752$462
47 years$18,705$10,712$5,855$3,090$1,591$405
48 years$18,107$10,226$5,502$2,855$1,445$355
49 years$17,536$9,765$5,171$2,639$1,312$312
50 years$16,988$9,328$4,862$2,439$1,192$273

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $17,400,000, adding $2,326 every year, while hoping to spend $30,246 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: 33/37/30 Blend
51$17,400,000$17,400,000$17,400,000$17,400,000
52$19,177,199$18,254,999$17,985,299$19,635,487
53$21,101,092$19,117,313$18,555,625$20,848,787
54$23,220,208$20,020,866$19,144,044$22,152,623
55$25,554,429$20,967,647$19,751,128$23,557,251
56$28,125,661$21,959,743$20,377,471$25,071,632
57$30,958,046$22,999,338$21,023,685$26,705,583
58$34,078,187$24,088,726$21,690,398$28,469,863
59$37,515,399$25,230,310$22,378,263$30,376,268
60$41,301,985$26,426,611$23,087,951$32,437,732
61$45,473,544$27,680,271$23,820,153$34,668,442
62$50,069,302$28,994,061$24,575,585$37,083,958
63$55,132,488$30,370,887$25,354,984$39,701,359
64$60,710,736$31,813,795$26,159,110$42,539,386
65$66,856,540$33,325,979$26,988,749$45,618,611
66$73,627,744$34,910,790$27,844,710$48,961,621
67$81,088,095$36,571,739$28,727,829$52,593,221
68$89,307,836$38,312,510$29,638,967$56,540,653
69$98,364,377$40,136,965$30,579,014$60,833,842
70$108,343,020$42,049,153$31,548,887$65,505,665
71$119,337,768$44,053,320$32,549,534$70,592,249
72$131,452,207$46,153,920$33,581,931$76,133,296
73$144,800,493$48,355,622$34,647,085$82,172,444
74$159,508,418$50,663,323$35,746,038$88,757,663
75$175,714,607$53,082,157$36,879,861$95,941,690
76$193,571,822$55,617,508$38,049,662$103,782,511
77$213,248,405$58,275,022$39,256,582$112,343,892
78$234,929,865$61,060,621$40,501,800$121,695,957
79$258,820,632$63,980,512$41,786,531$131,915,839
80$285,145,988$67,041,208$43,112,031$143,088,377
81$314,154,187$70,249,536$44,479,593$155,306,905
82$346,118,807$73,612,657$45,890,552$168,674,104
83$381,341,327$77,138,078$47,346,287$183,302,952
84$420,153,973$80,833,675$48,848,219$199,317,764
85$462,922,858$84,707,705$50,397,814$216,855,339
86$510,051,435$88,768,827$51,996,585$236,066,229
87$561,984,305$93,026,123$53,646,095$257,116,126
88$619,211,418$97,489,117$55,347,953$280,187,400
89$682,272,695$102,167,796$57,103,821$305,480,793
90$751,763,126$107,072,635$58,915,416$333,217,274
91$828,338,387$112,214,617$60,784,505$363,640,100
92$912,721,031$117,605,261$62,712,914$397,017,070
93$1,005,707,307$123,256,650$64,702,528$433,643,022
94$1,108,174,678$129,181,451$66,755,288$473,842,575
95$1,221,090,106$135,392,953$68,873,200$517,973,151
96$1,345,519,177$141,905,088$71,058,334$566,428,314
97$1,482,636,168$148,732,472$73,312,822$619,641,433
98$1,633,735,123$155,890,429$75,638,868$678,089,733
99$1,800,242,079$163,395,033$78,038,743$742,298,749
100$1,983,728,523$171,263,142$80,514,793$812,847,238