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

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 $17,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$1,453,392$1,440,446$1,427,815$1,415,487$1,403,449$1,355,271
2 years$719,501$706,101$693,114$680,522$668,309$620,261
3 years$474,902$461,445$448,491$436,017$424,003$377,594
4 years$352,627$339,211$326,386$314,126$302,402$257,988
5 years$279,281$265,945$253,289$241,279$229,881$187,579
6 years$230,400$217,164$204,695$192,953$181,897$141,739
7 years$195,499$182,374$170,103$158,637$147,931$109,911
8 years$169,334$156,328$144,261$133,077$122,723$86,811
9 years$148,995$136,112$124,252$113,352$103,351$69,501
10 years$132,733$119,976$108,325$97,710$88,060$56,218
11 years$119,437$106,808$95,368$85,037$75,735$45,837
12 years$108,364$95,865$84,637$74,589$65,630$37,607
13 years$99,003$86,634$75,617$65,851$57,231$31,010
14 years$90,985$78,748$67,942$58,455$50,168$25,673
15 years$84,043$71,937$61,343$52,132$44,172$21,324
16 years$77,975$66,001$55,616$46,678$39,039$17,759
17 years$72,626$60,785$50,609$41,940$34,615$14,823
18 years$67,876$56,168$46,199$37,796$30,778$12,394
19 years$63,632$52,056$42,293$34,152$27,433$10,379
20 years$59,817$48,373$38,815$30,932$24,504$8,703
21 years$56,369$45,057$35,702$28,072$21,928$7,304
22 years$53,240$42,059$32,905$25,524$19,655$6,136
23 years$50,386$39,337$30,382$23,245$17,644$5,158
24 years$47,775$36,856$28,098$21,201$15,859$4,339
25 years$45,376$34,588$26,024$19,362$14,270$3,652
26 years$43,165$32,507$24,136$17,704$12,854$3,075
27 years$41,121$30,593$22,413$16,205$11,589$2,590
28 years$39,227$28,828$20,835$14,847$10,457$2,182
29 years$37,466$27,196$19,389$13,615$9,443$1,839
30 years$35,826$25,683$18,060$12,495$8,532$1,550
31 years$34,295$24,279$16,837$11,476$7,714$1,307
32 years$32,862$22,973$15,709$10,547$6,978$1,102
33 years$31,519$21,756$14,668$9,698$6,315$929
34 years$30,258$20,620$13,705$8,923$5,717$784
35 years$29,071$19,557$12,813$8,214$5,178$661
36 years$27,953$18,563$11,986$7,565$4,692$558
37 years$26,898$17,630$11,219$6,970$4,252$470
38 years$25,900$16,755$10,506$6,425$3,855$397
39 years$24,956$15,933$9,843$5,924$3,496$335
40 years$24,062$15,159$9,226$5,464$3,171$282
41 years$23,213$14,429$8,651$5,041$2,877$238
42 years$22,407$13,742$8,115$4,652$2,610$201
43 years$21,641$13,093$7,615$4,295$2,369$170
44 years$20,911$12,481$7,148$3,966$2,150$143
45 years$20,216$11,902$6,711$3,662$1,952$121
46 years$19,553$11,354$6,304$3,383$1,772$102
47 years$18,920$10,835$5,922$3,125$1,610$86
48 years$18,315$10,343$5,565$2,888$1,462$73
49 years$17,737$9,877$5,231$2,669$1,328$61
50 years$17,184$9,435$4,918$2,467$1,206$52

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 $5,288 every year, while hoping to spend $57,127 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: 69/25/6 Blend
51$17,600,000$17,600,000$17,600,000$17,600,000
52$19,400,655$18,467,855$18,195,055$20,722,878
53$21,318,739$19,311,997$18,743,806$22,442,362
54$23,430,553$20,195,587$19,309,026$24,315,076
55$25,755,797$21,120,499$19,891,206$26,361,971
56$28,316,179$22,088,694$20,490,852$28,600,100
57$31,135,618$23,102,229$21,108,485$31,048,222
58$34,240,473$24,163,260$21,744,641$33,726,978
59$37,659,787$25,274,045$22,399,872$36,659,080
60$41,425,564$26,436,953$23,074,748$39,869,519
61$45,573,073$27,654,464$23,769,852$43,385,798
62$50,141,173$28,929,180$24,485,789$47,238,187
63$55,172,688$30,263,825$25,223,179$51,460,001
64$60,714,807$31,661,258$25,982,660$56,087,911
65$66,819,529$33,124,471$26,764,891$61,162,281
66$73,544,155$34,656,604$27,570,549$66,727,548
67$80,951,827$36,260,946$28,400,330$72,832,630
68$89,112,126$37,940,945$29,254,954$79,531,383
69$98,101,727$39,700,215$30,135,159$86,883,104
70$108,005,122$41,542,545$31,041,706$94,953,080
71$118,915,420$43,471,905$31,975,378$103,813,198
72$130,935,222$45,492,457$32,936,983$113,542,617
73$144,177,592$47,608,565$33,927,349$124,228,505
74$158,767,124$49,824,802$34,947,333$135,966,852
75$174,841,116$52,145,963$35,997,813$148,863,369
76$192,550,867$54,577,072$37,079,697$163,034,476
77$212,063,105$57,123,398$38,193,917$178,608,389
78$233,561,560$59,790,464$39,341,432$195,726,322
79$257,248,701$62,584,058$40,523,232$214,543,805
80$283,347,642$65,510,251$41,740,334$235,232,147
81$312,104,252$68,575,403$42,993,785$257,980,035
82$343,789,473$71,786,185$44,284,664$282,995,305
83$378,701,880$75,149,589$45,614,081$310,506,889
84$417,170,498$78,672,945$46,983,179$340,766,965
85$459,557,907$82,363,937$48,393,133$374,053,321
86$506,263,666$86,230,623$49,845,156$410,671,962
87$557,728,085$90,281,448$51,340,494$450,959,983
88$614,436,379$94,525,268$52,880,429$495,288,733
89$676,923,249$98,971,366$54,466,283$544,067,308
90$745,777,932$103,629,475$56,099,416$597,746,386
91$821,649,761$108,509,800$57,781,226$656,822,472
92$905,254,295$113,623,038$59,513,156$721,842,558
93$997,380,074$118,980,407$61,296,687$793,409,268
94$1,098,896,062$124,593,668$63,133,346$872,186,524
95$1,210,759,852$130,475,149$65,024,705$958,905,792
96$1,334,026,705$136,637,780$66,972,381$1,054,372,964
97$1,469,859,512$143,095,114$68,978,038$1,159,475,935
98$1,619,539,770$149,861,362$71,043,391$1,275,192,965
99$1,784,479,685$156,951,427$73,170,202$1,402,601,885
100$1,966,235,496$164,380,931$75,360,288$1,542,890,238