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%15.8%
1 years$1,461,649$1,448,630$1,435,927$1,423,529$1,411,423$1,377,862
2 years$723,589$710,113$697,052$684,389$672,106$638,490
3 years$477,601$464,066$451,039$438,495$426,412$393,791
4 years$354,631$341,138$328,241$315,911$304,120$272,747
5 years$280,868$267,456$254,728$242,650$231,188$201,148
6 years$231,709$218,398$205,858$194,049$182,931$154,256
7 years$196,609$183,410$171,069$159,538$148,772$121,466
8 years$170,296$157,217$145,080$133,833$123,420$97,473
9 years$149,842$136,885$124,958$113,996$103,938$79,327
10 years$133,487$120,658$108,941$98,265$88,560$65,259
11 years$120,115$107,415$95,910$85,520$76,165$54,141
12 years$108,980$96,409$85,118$75,013$66,003$45,219
13 years$99,565$87,126$76,047$66,225$57,556$37,973
14 years$91,502$79,195$68,328$58,787$50,453$32,030
15 years$84,521$72,346$61,691$52,428$44,423$27,115
16 years$78,418$66,376$55,932$46,944$39,261$23,024
17 years$73,038$61,130$50,896$42,178$34,812$19,600
18 years$68,262$56,487$46,462$38,011$30,953$16,720
19 years$63,994$52,351$42,533$34,346$27,589$14,289
20 years$60,157$48,648$39,035$31,107$24,643$12,230
21 years$56,690$45,313$35,905$28,232$22,053$10,481
22 years$53,542$42,298$33,092$25,669$19,767$8,992
23 years$50,673$39,561$30,554$23,377$17,744$7,722
24 years$48,046$37,066$28,258$21,322$15,949$6,636
25 years$45,633$34,784$26,172$19,472$14,351$5,707
26 years$43,410$32,692$24,273$17,804$12,927$4,911
27 years$41,355$30,767$22,540$16,297$11,655$4,228
28 years$39,449$28,991$20,954$14,931$10,517$3,641
29 years$37,679$27,350$19,499$13,692$9,496$3,137
30 years$36,030$25,829$18,163$12,566$8,580$2,704
31 years$34,490$24,417$16,933$11,541$7,757$2,331
32 years$33,049$23,104$15,799$10,606$7,017$2,010
33 years$31,698$21,879$14,751$9,753$6,351$1,734
34 years$30,430$20,737$13,783$8,974$5,750$1,495
35 years$29,236$19,669$12,886$8,261$5,208$1,290
36 years$28,112$18,668$12,054$7,608$4,718$1,113
37 years$27,050$17,731$11,283$7,010$4,277$961
38 years$26,047$16,850$10,566$6,461$3,877$829
39 years$25,098$16,023$9,899$5,958$3,516$716
40 years$24,199$15,245$9,278$5,495$3,189$618
41 years$23,345$14,511$8,700$5,070$2,893$533
42 years$22,535$13,820$8,161$4,679$2,625$460
43 years$21,764$13,168$7,658$4,319$2,383$397
44 years$21,030$12,552$7,188$3,988$2,163$343
45 years$20,331$11,969$6,750$3,683$1,963$296
46 years$19,664$11,418$6,339$3,402$1,783$256
47 years$19,028$10,896$5,956$3,143$1,619$221
48 years$18,419$10,402$5,597$2,904$1,470$191
49 years$17,838$9,933$5,261$2,684$1,335$165
50 years$17,281$9,489$4,946$2,481$1,213$142

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 $6,732 every year, while hoping to spend $34,945 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: 48/36/16 Blend
51$17,700,000$17,700,000$17,700,000$17,700,000
52$19,512,344$18,574,244$18,299,894$20,361,198
53$21,465,422$19,447,201$18,875,759$21,822,362
54$23,616,543$20,361,761$19,469,745$23,403,899
55$25,985,869$21,319,927$20,082,421$25,120,419
56$28,595,621$22,323,797$20,714,375$26,984,564
57$31,470,283$23,375,571$21,366,215$29,010,217
58$34,636,834$24,477,556$22,038,565$31,212,625
59$38,125,005$25,632,170$22,732,071$33,608,533
60$41,967,559$26,841,950$23,447,399$36,216,340
61$46,200,598$28,109,554$24,185,235$39,056,260
62$50,863,907$29,437,770$24,946,288$42,150,507
63$56,001,324$30,829,520$25,731,288$45,523,495
64$61,661,162$32,287,868$26,540,988$49,202,060
65$67,896,655$33,816,028$27,376,166$53,215,704
66$74,766,469$35,417,369$28,237,623$57,596,864
67$82,335,251$37,095,422$29,126,186$62,381,206
68$90,674,241$38,853,893$30,042,707$67,607,953
69$99,861,943$40,696,663$30,988,067$73,320,243
70$109,984,867$42,627,805$31,963,174$79,565,523
71$121,138,345$44,651,589$32,968,961$86,395,989
72$133,427,431$46,772,492$34,006,396$93,869,059
73$146,967,893$48,995,207$35,076,474$102,047,907
74$161,887,303$51,324,658$36,180,221$111,002,045
75$178,326,247$53,766,005$37,318,698$120,807,959
76$196,439,647$56,324,662$38,492,996$131,549,823
77$216,398,222$59,006,302$39,704,244$143,320,269
78$238,390,107$61,816,877$40,953,602$156,221,254
79$262,622,622$64,762,627$42,242,271$170,364,995
80$289,324,229$67,850,096$43,571,487$185,875,017
81$318,746,695$71,086,145$44,942,526$202,887,296
82$351,167,461$74,477,969$46,356,704$221,551,522
83$386,892,266$78,033,114$47,815,378$242,032,493
84$426,258,032$81,759,491$49,319,947$264,511,647
85$469,636,042$85,665,397$50,871,857$289,188,750
86$517,435,450$89,759,533$52,472,596$316,283,760
87$570,107,138$94,051,023$54,123,700$346,038,875
88$628,147,976$98,549,433$55,826,754$378,720,795
89$692,105,512$103,264,798$57,583,393$414,623,211
90$762,583,140$108,207,638$59,395,302$454,069,546
91$840,245,796$113,388,988$61,264,220$497,415,980
92$925,826,237$118,820,418$63,191,941$545,054,777
93$1,020,131,957$124,514,063$65,180,315$597,417,958
94$1,124,052,811$130,482,646$67,231,250$654,981,343
95$1,238,569,415$136,739,513$69,346,714$718,269,003
96$1,364,762,404$143,298,658$71,528,738$787,858,171
97$1,503,822,633$150,174,756$73,779,415$864,384,652
98$1,657,062,421$157,383,199$76,100,905$948,548,778
99$1,825,927,940$164,940,127$78,495,436$1,041,121,981
100$2,012,012,863$172,862,467$80,965,307$1,142,954,023