Can I retire at age 52 with 17,500,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $17,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$1,445,134$1,432,261$1,419,702$1,407,444$1,395,475$1,340,107
2 years$715,413$702,089$689,176$676,656$664,512$609,417
3 years$472,204$458,823$445,942$433,540$421,594$368,505
4 years$350,624$337,283$324,532$312,341$300,684$250,007
5 years$277,695$264,434$251,850$239,908$228,575$180,438
6 years$229,091$215,930$203,532$191,856$180,864$135,297
7 years$194,388$181,338$169,136$157,736$147,091$104,078
8 years$168,372$155,440$143,441$132,321$122,026$81,523
9 years$148,149$135,339$123,546$112,708$102,763$64,709
10 years$131,979$119,294$107,710$97,155$87,560$51,880
11 years$118,758$106,201$94,826$84,554$75,304$41,916
12 years$107,749$95,320$84,156$74,165$65,257$34,070
13 years$98,440$86,142$75,188$65,477$56,905$27,826
14 years$90,468$78,300$67,556$58,123$49,883$22,812
15 years$83,566$71,529$60,994$51,836$43,921$18,760
16 years$77,532$65,626$55,300$46,413$38,817$15,466
17 years$72,213$60,439$50,321$41,702$34,418$12,776
18 years$67,491$55,849$45,937$37,582$30,603$10,571
19 years$63,271$51,760$42,053$33,958$27,277$8,759
20 years$59,477$48,098$38,594$30,756$24,364$7,266
21 years$56,049$44,801$35,499$27,913$21,803$6,033
22 years$52,937$41,820$32,718$25,379$19,544$5,013
23 years$50,100$39,114$30,209$23,113$17,544$4,168
24 years$47,503$36,647$27,938$21,081$15,769$3,467
25 years$45,118$34,391$25,877$19,252$14,189$2,885
26 years$42,919$32,322$23,999$17,603$12,781$2,402
27 years$40,887$30,419$22,285$16,113$11,523$2,000
28 years$39,004$28,664$20,717$14,763$10,398$1,666
29 years$37,253$27,041$19,279$13,538$9,389$1,388
30 years$35,622$25,537$17,958$12,424$8,483$1,157
31 years$34,100$24,141$16,741$11,411$7,670$964
32 years$32,675$22,843$15,620$10,487$6,938$804
33 years$31,340$21,632$14,585$9,643$6,279$670
34 years$30,086$20,502$13,627$8,873$5,685$559
35 years$28,906$19,446$12,740$8,168$5,149$466
36 years$27,794$18,457$11,918$7,522$4,665$388
37 years$26,745$17,530$11,155$6,931$4,228$324
38 years$25,753$16,660$10,446$6,388$3,833$270
39 years$24,815$15,842$9,787$5,890$3,476$225
40 years$23,925$15,072$9,173$5,433$3,153$188
41 years$23,082$14,347$8,602$5,013$2,860$157
42 years$22,280$13,664$8,069$4,626$2,596$131
43 years$21,518$13,019$7,571$4,270$2,356$109
44 years$20,792$12,410$7,107$3,943$2,138$91
45 years$20,101$11,834$6,673$3,641$1,941$76
46 years$19,442$11,289$6,268$3,364$1,762$63
47 years$18,813$10,773$5,888$3,108$1,600$53
48 years$18,211$10,285$5,534$2,872$1,453$44
49 years$17,636$9,821$5,201$2,654$1,320$37
50 years$17,086$9,382$4,890$2,453$1,199$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $17,500,000, adding $6,676 every year, while hoping to spend $52,239 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: 46/28/26 Blend
51$17,500,000$17,500,000$17,500,000$17,500,000
52$19,291,886$18,364,386$18,093,136$20,034,760
53$21,204,077$19,208,659$18,643,674$21,404,334
54$23,309,560$20,092,551$19,210,905$22,883,804
55$25,627,996$21,017,947$19,795,331$24,488,040
56$28,181,050$21,986,825$20,397,473$26,228,744
57$30,992,594$23,001,256$21,017,866$28,118,769
58$34,088,934$24,063,413$21,657,059$30,172,237
59$37,499,055$25,175,570$22,315,621$32,404,663
60$41,254,900$26,340,115$22,994,135$34,833,096
61$45,391,666$27,559,546$23,693,205$37,476,275
62$49,948,138$28,836,486$24,413,450$40,354,797
63$54,967,056$30,173,682$25,155,508$43,491,306
64$60,495,516$31,574,012$25,920,037$46,910,701
65$66,585,416$33,040,496$26,707,716$50,640,357
66$73,293,946$34,576,298$27,519,242$54,710,381
67$80,684,125$36,184,733$28,355,333$59,153,889
68$88,825,400$37,869,279$29,216,731$64,007,302
69$97,794,297$39,633,580$30,104,198$69,310,691
70$107,675,146$41,481,456$31,018,519$75,108,135
71$118,560,875$43,416,912$31,960,504$81,448,137
72$130,553,889$45,444,145$32,930,985$88,384,065
73$143,767,034$47,567,556$33,930,821$95,974,646
74$158,324,664$49,791,759$34,960,896$104,284,510
75$174,363,814$52,121,590$36,022,121$113,384,788
76$192,035,493$54,562,118$37,115,432$123,353,772
77$211,506,111$57,118,660$38,241,797$134,277,638
78$232,959,047$59,796,786$39,402,209$146,251,249
79$256,596,380$62,602,339$40,597,694$159,379,035
80$282,640,799$65,541,442$41,829,305$173,775,964
81$311,337,705$68,620,517$43,098,131$189,568,612
82$342,957,522$71,846,294$44,405,290$206,896,341
83$377,798,257$75,225,830$45,751,935$225,912,599
84$416,188,308$78,766,524$47,139,253$246,786,351
85$458,489,565$82,476,133$48,568,467$269,703,652
86$505,100,826$86,362,789$50,040,837$294,869,389
87$556,461,564$90,435,019$51,557,658$322,509,193
88$613,056,071$94,701,763$53,120,268$352,871,546
89$675,418,034$99,172,393$54,730,040$386,230,107
90$744,135,570$103,856,737$56,388,393$422,886,273
91$819,856,779$108,765,098$58,096,785$463,171,996
92$903,295,862$113,908,279$59,856,718$507,452,897
93$995,239,862$119,297,607$61,669,741$556,131,688
94$1,096,556,097$124,944,958$63,537,446$609,651,944
95$1,208,200,343$130,862,786$65,461,475$668,502,269
96$1,331,225,862$137,064,146$67,443,518$733,220,870
97$1,466,793,340$143,562,729$69,485,316$804,400,611
98$1,616,181,847$150,372,889$71,588,661$882,694,579
99$1,780,800,913$157,509,679$73,755,398$968,822,208
100$1,962,203,832$164,988,879$75,987,430$1,063,576,041