Can I retire at age 52 with 17,700,000?

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 $17,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$1,461,649$1,448,630$1,435,927$1,423,529$1,411,423$1,371,742
2 years$723,589$710,113$697,052$684,389$672,106$632,430
3 years$477,601$464,066$451,039$438,495$426,412$387,984
4 years$354,631$341,138$328,241$315,911$304,120$267,236
5 years$280,868$267,456$254,728$242,650$231,188$195,947
6 years$231,709$218,398$205,858$194,049$182,931$149,368
7 years$196,609$183,410$171,069$159,538$148,772$116,886
8 years$170,296$157,217$145,080$133,833$123,420$93,195
9 years$149,842$136,885$124,958$113,996$103,938$75,343
10 years$133,487$120,658$108,941$98,265$88,560$61,559
11 years$120,115$107,415$95,910$85,520$76,165$50,713
12 years$108,980$96,409$85,118$75,013$66,003$42,051
13 years$99,565$87,126$76,047$66,225$57,556$35,053
14 years$91,502$79,195$68,328$58,787$50,453$29,344
15 years$84,521$72,346$61,691$52,428$44,423$24,651
16 years$78,418$66,376$55,932$46,944$39,261$20,768
17 years$73,038$61,130$50,896$42,178$34,812$17,538
18 years$68,262$56,487$46,462$38,011$30,953$14,840
19 years$63,994$52,351$42,533$34,346$27,589$12,579
20 years$60,157$48,648$39,035$31,107$24,643$10,676
21 years$56,690$45,313$35,905$28,232$22,053$9,072
22 years$53,542$42,298$33,092$25,669$19,767$7,717
23 years$50,673$39,561$30,554$23,377$17,744$6,570
24 years$48,046$37,066$28,258$21,322$15,949$5,597
25 years$45,633$34,784$26,172$19,472$14,351$4,771
26 years$43,410$32,692$24,273$17,804$12,927$4,069
27 years$41,355$30,767$22,540$16,297$11,655$3,472
28 years$39,449$28,991$20,954$14,931$10,517$2,964
29 years$37,679$27,350$19,499$13,692$9,496$2,531
30 years$36,030$25,829$18,163$12,566$8,580$2,161
31 years$34,490$24,417$16,933$11,541$7,757$1,847
32 years$33,049$23,104$15,799$10,606$7,017$1,578
33 years$31,698$21,879$14,751$9,753$6,351$1,348
34 years$30,430$20,737$13,783$8,974$5,750$1,152
35 years$29,236$19,669$12,886$8,261$5,208$985
36 years$28,112$18,668$12,054$7,608$4,718$842
37 years$27,050$17,731$11,283$7,010$4,277$720
38 years$26,047$16,850$10,566$6,461$3,877$616
39 years$25,098$16,023$9,899$5,958$3,516$526
40 years$24,199$15,245$9,278$5,495$3,189$450
41 years$23,345$14,511$8,700$5,070$2,893$385
42 years$22,535$13,820$8,161$4,679$2,625$329
43 years$21,764$13,168$7,658$4,319$2,383$282
44 years$21,030$12,552$7,188$3,988$2,163$241
45 years$20,331$11,969$6,750$3,683$1,963$206
46 years$19,664$11,418$6,339$3,402$1,783$176
47 years$19,028$10,896$5,956$3,143$1,619$151
48 years$18,419$10,402$5,597$2,904$1,470$129
49 years$17,838$9,933$5,261$2,684$1,335$110
50 years$17,281$9,489$4,946$2,481$1,213$94

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $17,700,000, adding $3,100 every year, while hoping to spend $29,507 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: 37/37/26 Blend
51$17,700,000$17,700,000$17,700,000$17,700,000
52$19,508,598$18,570,498$18,296,148$20,078,354
53$21,467,079$19,449,057$18,877,673$21,376,396
54$23,624,337$20,369,676$19,477,691$22,774,612
55$26,000,615$21,334,386$20,096,790$24,284,372
56$28,618,222$22,345,315$20,735,576$25,915,762
57$31,501,738$23,404,693$21,394,676$27,679,841
58$34,678,254$24,514,862$22,074,736$29,588,735
59$38,177,620$25,678,274$22,776,423$31,655,746
60$42,032,730$26,897,502$23,500,426$33,895,471
61$46,279,832$28,175,243$24,247,454$36,323,927
62$50,958,871$29,514,326$25,018,240$38,958,697
63$56,113,865$30,917,717$25,813,540$41,819,082
64$61,793,320$32,388,526$26,634,134$44,926,276
65$68,050,687$33,930,013$27,480,827$48,303,558
66$74,944,872$35,545,598$28,354,449$51,976,493
67$82,540,784$37,238,867$29,255,857$55,973,172
68$90,909,951$39,013,579$30,185,936$60,324,455
69$100,131,199$40,873,678$31,145,598$65,064,260
70$110,291,391$42,823,296$32,135,785$70,229,859
71$121,486,246$44,866,771$33,157,467$75,862,228
72$133,821,247$47,008,648$34,211,647$82,006,408
73$147,412,637$49,253,694$35,299,359$88,711,925
74$162,388,509$51,606,908$36,421,671$96,033,236
75$178,890,023$54,073,533$37,579,683$104,030,226
76$197,072,736$56,659,066$38,774,532$112,768,763
77$217,108,066$59,369,272$40,007,391$122,321,292
78$239,184,919$62,210,196$41,279,468$132,767,510
79$263,511,463$65,188,178$42,592,013$144,195,092
80$290,317,100$68,309,866$43,946,313$156,700,500
81$319,854,627$71,582,232$45,343,697$170,389,874
82$352,402,624$75,012,587$46,785,537$185,380,007
83$388,268,087$78,608,599$48,273,247$201,799,431
84$427,789,319$82,378,308$49,808,288$219,789,598
85$471,339,131$86,330,146$51,392,167$239,506,196
86$519,328,355$90,472,956$53,026,437$261,120,588
87$572,209,728$94,816,012$54,712,704$284,821,404
88$630,482,162$99,369,038$56,452,621$310,816,289
89$694,695,457$104,142,235$58,247,898$339,333,836
90$765,455,487$109,146,298$60,100,296$370,625,711
91$843,429,924$114,392,444$62,011,634$404,968,991
92$929,354,541$119,892,438$63,983,788$442,668,752
93$1,024,040,153$125,658,617$66,018,694$484,060,905
94$1,128,380,279$131,703,919$68,118,350$529,515,330
95$1,243,359,570$138,041,914$70,284,817$579,439,331
96$1,370,063,111$144,686,833$72,520,224$634,281,436
97$1,509,686,660$151,653,599$74,826,763$694,535,586
98$1,663,547,941$158,957,867$77,206,700$760,745,753
99$1,833,099,078$166,616,050$79,662,373$833,511,026
100$2,019,940,314$174,645,366$82,196,192$913,491,218