Can I retire at age 52 with 17,600,000?

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 $17,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$1,453,392$1,440,446$1,427,815$1,415,487$1,403,449$1,365,644
2 years$719,501$706,101$693,114$680,522$668,309$630,491
3 years$474,902$461,445$448,491$436,017$424,003$387,356
4 years$352,627$339,211$326,386$314,126$302,402$267,208
5 years$279,281$265,945$253,289$241,279$229,881$196,236
6 years$230,400$217,164$204,695$192,953$181,897$149,833
7 years$195,499$182,374$170,103$158,637$147,931$117,450
8 years$169,334$156,328$144,261$133,077$122,723$93,810
9 years$148,995$136,112$124,252$113,352$103,351$75,978
10 years$132,733$119,976$108,325$97,710$88,060$62,194
11 years$119,437$106,808$95,368$85,037$75,735$51,335
12 years$108,364$95,865$84,637$74,589$65,630$42,651
13 years$99,003$86,634$75,617$65,851$57,231$35,625
14 years$90,985$78,748$67,942$58,455$50,168$29,884
15 years$84,043$71,937$61,343$52,132$44,172$25,158
16 years$77,975$66,001$55,616$46,678$39,039$21,241
17 years$72,626$60,785$50,609$41,940$34,615$17,977
18 years$67,876$56,168$46,199$37,796$30,778$15,245
19 years$63,632$52,056$42,293$34,152$27,433$12,951
20 years$59,817$48,373$38,815$30,932$24,504$11,018
21 years$56,369$45,057$35,702$28,072$21,928$9,384
22 years$53,240$42,059$32,905$25,524$19,655$8,001
23 years$50,386$39,337$30,382$23,245$17,644$6,828
24 years$47,775$36,856$28,098$21,201$15,859$5,831
25 years$45,376$34,588$26,024$19,362$14,270$4,982
26 years$43,165$32,507$24,136$17,704$12,854$4,260
27 years$41,121$30,593$22,413$16,205$11,589$3,643
28 years$39,227$28,828$20,835$14,847$10,457$3,118
29 years$37,466$27,196$19,389$13,615$9,443$2,669
30 years$35,826$25,683$18,060$12,495$8,532$2,285
31 years$34,295$24,279$16,837$11,476$7,714$1,957
32 years$32,862$22,973$15,709$10,547$6,978$1,676
33 years$31,519$21,756$14,668$9,698$6,315$1,436
34 years$30,258$20,620$13,705$8,923$5,717$1,230
35 years$29,071$19,557$12,813$8,214$5,178$1,054
36 years$27,953$18,563$11,986$7,565$4,692$904
37 years$26,898$17,630$11,219$6,970$4,252$775
38 years$25,900$16,755$10,506$6,425$3,855$664
39 years$24,956$15,933$9,843$5,924$3,496$569
40 years$24,062$15,159$9,226$5,464$3,171$488
41 years$23,213$14,429$8,651$5,041$2,877$418
42 years$22,407$13,742$8,115$4,652$2,610$359
43 years$21,641$13,093$7,615$4,295$2,369$308
44 years$20,911$12,481$7,148$3,966$2,150$264
45 years$20,216$11,902$6,711$3,662$1,952$226
46 years$19,553$11,354$6,304$3,383$1,772$194
47 years$18,920$10,835$5,922$3,125$1,610$166
48 years$18,315$10,343$5,565$2,888$1,462$143
49 years$17,737$9,877$5,231$2,669$1,328$122
50 years$17,184$9,435$4,918$2,467$1,206$105

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $17,600,000, adding $2,158 every year, while hoping to spend $36,409 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: 63/30/7 Blend
51$17,600,000$17,600,000$17,600,000$17,600,000
52$19,397,426$18,464,626$18,191,826$20,593,581
53$21,337,225$19,330,654$18,762,513$22,257,462
54$23,473,662$20,237,897$19,351,098$24,068,895
55$25,826,758$21,188,336$19,958,142$26,045,677
56$28,418,571$22,184,048$20,584,224$28,203,819
57$31,273,410$23,227,211$21,229,940$30,560,926
58$34,418,061$24,320,107$21,895,906$33,136,358
59$37,882,041$25,465,130$22,582,757$35,951,406
60$41,697,877$26,664,790$23,291,147$39,029,489
61$45,901,413$27,921,717$24,021,753$42,396,369
62$50,532,145$29,238,669$24,775,270$46,080,387
63$55,633,599$30,618,539$25,552,416$50,112,721
64$61,253,737$32,064,358$26,353,933$54,527,678
65$67,445,413$33,579,306$27,180,584$59,363,009
66$74,266,869$35,166,717$28,033,158$64,660,255
67$81,782,287$36,830,084$28,912,467$70,465,133
68$90,062,395$38,573,072$29,819,349$76,827,960
69$99,185,130$40,399,523$30,754,668$83,804,118
70$109,236,380$42,313,467$31,719,316$91,454,568
71$120,310,790$44,319,126$32,714,212$99,846,412
72$132,512,658$46,420,930$33,740,305$109,053,524
73$145,956,916$48,623,522$34,798,572$119,157,230
74$160,770,219$50,931,773$35,890,022$130,247,066
75$177,092,139$53,350,787$37,015,695$142,421,613
76$195,076,480$55,885,919$38,176,664$155,789,414
77$214,892,734$58,542,782$39,374,035$170,469,987
78$236,727,677$61,327,262$40,608,950$186,594,940
79$260,787,134$64,245,532$41,882,584$204,309,195
80$287,297,923$67,304,065$43,196,152$223,772,347
81$316,509,993$70,509,646$44,550,905$245,160,155
82$348,698,787$73,869,393$45,948,135$268,666,178
83$384,167,838$77,390,768$47,389,172$294,503,593
84$423,251,637$81,081,596$48,875,389$322,907,188
85$466,318,793$84,950,083$50,408,204$354,135,555
86$513,775,507$89,004,833$51,989,075$388,473,519
87$566,069,410$93,254,871$53,619,510$426,234,801
88$623,693,787$97,709,658$55,301,062$467,764,959
89$687,192,239$102,379,116$57,035,333$513,444,632
90$757,163,805$107,273,651$58,823,974$563,693,105
91$834,268,627$112,404,174$60,668,691$618,972,242
92$919,234,176$117,782,127$62,571,241$679,790,828
93$1,012,862,120$123,419,509$64,533,436$746,709,336
94$1,116,035,895$129,328,904$66,557,145$820,345,196
95$1,229,729,043$135,523,507$68,644,296$901,378,592
96$1,355,014,403$142,017,157$70,796,877$990,558,851
97$1,493,074,239$148,824,364$73,016,940$1,088,711,488
98$1,645,211,402$155,960,349$75,306,598$1,196,745,963
99$1,812,861,629$163,441,070$77,668,033$1,315,664,231
100$1,997,607,097$171,283,264$80,103,494$1,446,570,164