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%11.1%
1 years$1,461,649$1,448,630$1,435,927$1,423,529$1,411,423$1,404,885
2 years$723,589$710,113$697,052$684,389$672,106$665,507
3 years$477,601$464,066$451,039$438,495$426,412$419,955
4 years$354,631$341,138$328,241$315,911$304,120$297,856
5 years$280,868$267,456$254,728$242,650$231,188$225,135
6 years$231,709$218,398$205,858$194,049$182,931$177,097
7 years$196,609$183,410$171,069$159,538$148,772$143,160
8 years$170,296$157,217$145,080$133,833$123,420$118,031
9 years$149,842$136,885$124,958$113,996$103,938$98,769
10 years$133,487$120,658$108,941$98,265$88,560$83,610
11 years$120,115$107,415$95,910$85,520$76,165$71,430
12 years$108,980$96,409$85,118$75,013$66,003$61,480
13 years$99,565$87,126$76,047$66,225$57,556$53,241
14 years$91,502$79,195$68,328$58,787$50,453$46,341
15 years$84,521$72,346$61,691$52,428$44,423$40,508
16 years$78,418$66,376$55,932$46,944$39,261$35,539
17 years$73,038$61,130$50,896$42,178$34,812$31,276
18 years$68,262$56,487$46,462$38,011$30,953$27,598
19 years$63,994$52,351$42,533$34,346$27,589$24,409
20 years$60,157$48,648$39,035$31,107$24,643$21,632
21 years$56,690$45,313$35,905$28,232$22,053$19,205
22 years$53,542$42,298$33,092$25,669$19,767$17,076
23 years$50,673$39,561$30,554$23,377$17,744$15,203
24 years$48,046$37,066$28,258$21,322$15,949$13,552
25 years$45,633$34,784$26,172$19,472$14,351$12,093
26 years$43,410$32,692$24,273$17,804$12,927$10,801
27 years$41,355$30,767$22,540$16,297$11,655$9,655
28 years$39,449$28,991$20,954$14,931$10,517$8,637
29 years$37,679$27,350$19,499$13,692$9,496$7,732
30 years$36,030$25,829$18,163$12,566$8,580$6,925
31 years$34,490$24,417$16,933$11,541$7,757$6,205
32 years$33,049$23,104$15,799$10,606$7,017$5,563
33 years$31,698$21,879$14,751$9,753$6,351$4,990
34 years$30,430$20,737$13,783$8,974$5,750$4,477
35 years$29,236$19,669$12,886$8,261$5,208$4,018
36 years$28,112$18,668$12,054$7,608$4,718$3,607
37 years$27,050$17,731$11,283$7,010$4,277$3,239
38 years$26,047$16,850$10,566$6,461$3,877$2,910
39 years$25,098$16,023$9,899$5,958$3,516$2,614
40 years$24,199$15,245$9,278$5,495$3,189$2,349
41 years$23,345$14,511$8,700$5,070$2,893$2,111
42 years$22,535$13,820$8,161$4,679$2,625$1,898
43 years$21,764$13,168$7,658$4,319$2,383$1,706
44 years$21,030$12,552$7,188$3,988$2,163$1,534
45 years$20,331$11,969$6,750$3,683$1,963$1,379
46 years$19,664$11,418$6,339$3,402$1,783$1,240
47 years$19,028$10,896$5,956$3,143$1,619$1,116
48 years$18,419$10,402$5,597$2,904$1,470$1,003
49 years$17,838$9,933$5,261$2,684$1,335$903
50 years$17,281$9,489$4,946$2,481$1,213$812

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 $5,695 every year, while hoping to spend $25,680 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: 46/45/9 Blend
51$17,700,000$17,700,000$17,700,000$17,700,000
52$19,511,274$18,573,174$18,298,824$20,359,764
53$21,474,101$19,455,937$18,884,512$21,828,336
54$23,636,275$20,381,094$19,488,959$23,417,390
55$26,018,104$21,350,695$20,112,767$25,140,575
56$28,641,963$22,366,892$20,756,557$27,010,305
57$31,532,511$23,431,937$21,420,970$29,040,204
58$34,716,920$24,548,196$22,106,666$31,245,225
59$38,225,135$25,718,146$22,814,327$33,641,780
60$42,090,150$26,944,387$23,544,659$36,247,887
61$46,348,328$28,229,644$24,298,388$39,083,333
62$51,039,736$29,576,776$25,076,263$42,169,849
63$56,208,531$30,988,779$25,879,059$45,531,304
64$61,903,369$32,468,797$26,707,575$49,193,923
65$68,177,870$34,020,125$27,562,636$53,186,518
66$75,091,121$35,646,220$28,445,093$57,540,753
67$82,708,235$37,350,705$29,355,824$62,291,427
68$91,100,967$39,137,381$30,295,736$67,476,793
69$100,348,387$41,010,234$31,265,764$73,138,901
70$110,537,630$42,973,443$32,266,875$79,323,985
71$121,764,717$45,031,391$33,300,064$86,082,882
72$134,135,464$47,188,675$34,366,362$93,471,496
73$147,766,475$49,450,113$35,466,829$101,551,312
74$162,786,248$51,820,762$36,602,561$110,389,955
75$179,336,388$54,305,922$37,774,689$120,061,816
76$197,572,939$56,911,152$38,984,380$130,648,730
77$217,667,862$59,642,281$40,232,840$142,240,730
78$239,810,656$62,505,424$41,521,312$154,936,879
79$264,210,145$65,506,993$42,851,078$168,846,181
80$291,096,455$68,653,710$44,223,464$184,088,588
81$320,723,179$71,952,628$45,639,837$200,796,109
82$353,369,779$75,411,142$47,101,606$219,114,029
83$389,344,216$79,037,008$48,610,230$239,202,257
84$428,985,863$82,838,359$50,167,210$261,236,808
85$472,668,708$86,823,724$51,774,098$285,411,434
86$520,804,880$91,002,051$53,432,494$311,939,425
87$573,848,547$95,382,721$55,144,052$341,055,588
88$632,300,197$99,975,572$56,910,476$373,018,436
89$696,711,367$104,790,925$58,733,527$408,112,589
90$767,689,848$109,839,602$60,615,021$446,651,425
91$845,905,423$115,132,953$62,556,835$488,980,003
92$932,096,189$120,682,880$64,560,902$535,478,279
93$1,027,075,528$126,501,870$66,629,220$586,564,652
94$1,131,739,784$132,603,013$68,763,851$642,699,868
95$1,247,076,725$139,000,044$70,966,923$704,391,328
96$1,374,174,867$145,707,362$73,240,631$772,197,825
97$1,514,233,754$152,740,073$75,587,242$846,734,772
98$1,668,575,278$160,114,018$78,009,096$928,679,959
99$1,838,656,162$167,845,811$80,508,607$1,018,779,897
100$2,026,081,713$175,952,878$83,088,267$1,117,856,802