Can I retire at age 52 with 17,800,000?

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 $17,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$1,469,907$1,456,814$1,444,040$1,431,572$1,419,397$1,405,159
2 years$727,677$714,125$700,990$688,256$675,903$661,562
3 years$480,299$466,688$453,587$440,972$428,821$414,822
4 years$356,634$343,065$330,095$317,696$305,839$292,290
5 years$282,455$268,967$256,167$244,021$232,494$219,435
6 years$233,018$219,632$207,021$195,145$183,964$171,412
7 years$197,720$184,447$172,036$160,440$149,612$137,571
8 years$171,259$158,105$145,900$134,589$124,118$112,587
9 years$150,688$137,659$125,664$114,640$104,525$93,501
10 years$134,242$121,339$109,556$98,821$89,061$78,537
11 years$120,794$108,021$96,452$86,004$76,595$66,563
12 years$109,596$96,954$85,598$75,437$66,376$56,825
13 years$100,128$87,618$76,477$66,599$57,881$48,800
14 years$92,019$79,643$68,715$59,119$50,738$42,115
15 years$84,998$72,755$62,040$52,724$44,674$36,496
16 years$78,861$66,751$56,248$47,209$39,483$31,736
17 years$73,451$61,475$51,184$42,417$35,008$27,679
18 years$68,648$56,806$46,724$38,226$31,128$24,201
19 years$64,355$52,647$42,774$34,540$27,745$21,206
20 years$60,497$48,922$39,256$31,283$24,782$18,617
21 years$57,010$45,569$36,108$28,391$22,177$16,370
22 years$53,845$42,537$33,279$25,814$19,879$14,415
23 years$50,959$39,784$30,727$23,510$17,844$12,709
24 years$48,317$37,275$28,417$21,442$16,039$11,216
25 years$45,891$34,981$26,320$19,582$14,433$9,909
26 years$43,655$32,876$24,411$17,905$13,000$8,760
27 years$41,588$30,941$22,667$16,389$11,721$7,751
28 years$39,672$29,155$21,072$15,016$10,576$6,862
29 years$37,892$27,505$19,610$13,770$9,550$6,079
30 years$36,233$25,975$18,266$12,637$8,629$5,387
31 years$34,684$24,555$17,028$11,606$7,801$4,777
32 years$33,235$23,234$15,888$10,666$7,057$4,237
33 years$31,877$22,003$14,835$9,809$6,386$3,759
34 years$30,602$20,854$13,861$9,025$5,782$3,337
35 years$29,401$19,780$12,959$8,308$5,237$2,962
36 years$28,271$18,774$12,122$7,651$4,745$2,631
37 years$27,203$17,831$11,346$7,050$4,301$2,337
38 years$26,195$16,946$10,625$6,498$3,899$2,076
39 years$25,240$16,114$9,955$5,991$3,536$1,844
40 years$24,335$15,331$9,331$5,526$3,207$1,639
41 years$23,477$14,593$8,749$5,099$2,909$1,457
42 years$22,662$13,898$8,207$4,705$2,640$1,295
43 years$21,887$13,242$7,701$4,344$2,396$1,151
44 years$21,149$12,623$7,229$4,011$2,175$1,023
45 years$20,446$12,037$6,788$3,704$1,974$910
46 years$19,775$11,483$6,375$3,421$1,793$809
47 years$19,135$10,958$5,989$3,161$1,628$719
48 years$18,524$10,461$5,628$2,921$1,478$640
49 years$17,939$9,990$5,290$2,699$1,343$569
50 years$17,379$9,542$4,974$2,495$1,220$506

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $17,800,000, adding $5,955 every year, while hoping to spend $39,472 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: 42/49/9 Blend
51$17,800,000$17,800,000$17,800,000$17,800,000
52$19,621,743$18,678,343$18,402,443$20,393,856
53$21,581,162$19,551,583$18,976,927$21,806,408
54$23,739,120$20,466,290$19,569,333$23,330,560
55$26,115,825$21,424,453$20,180,220$24,980,017
56$28,733,546$22,428,158$20,810,164$26,766,210
57$31,616,823$23,479,593$21,459,760$28,701,677
58$34,792,696$24,581,050$22,129,619$30,800,170
59$38,290,964$25,734,934$22,820,374$33,076,775
60$42,144,461$26,943,765$23,532,675$35,548,044
61$46,389,371$28,210,185$24,267,195$38,232,147
62$51,065,567$29,536,964$25,024,626$41,149,026
63$56,216,986$30,927,006$25,805,682$44,320,577
64$61,892,045$32,383,356$26,611,100$47,770,842
65$68,144,100$33,909,207$27,441,638$51,526,228
66$75,031,945$35,507,905$28,298,079$55,615,741
67$82,620,370$37,182,959$29,181,232$60,071,247
68$90,980,773$38,938,049$30,091,928$64,927,760
69$100,191,830$40,777,031$31,031,025$70,223,759
70$110,340,242$42,703,951$31,999,410$76,001,532
71$121,521,550$44,723,048$32,997,994$82,307,564
72$133,841,040$46,838,769$34,027,718$89,192,960
73$147,414,733$49,055,776$35,089,554$96,713,905
74$162,370,483$51,378,956$36,184,501$104,932,181
75$178,849,182$53,813,435$37,313,591$113,915,728
76$197,006,090$56,364,585$38,477,889$123,739,268
77$217,012,304$59,038,042$39,678,491$134,484,990
78$239,056,367$61,839,714$40,916,528$146,243,302
79$263,346,051$64,775,795$42,193,167$159,113,662
80$290,110,320$67,852,781$43,509,610$173,205,494
81$319,601,489$71,077,483$44,867,097$188,639,196
82$352,097,604$74,457,043$46,266,908$205,547,249
83$387,905,070$77,998,949$47,710,361$224,075,442
84$427,361,544$81,711,054$49,198,814$244,384,218
85$470,839,118$85,601,592$50,733,671$266,650,160
86$518,747,836$89,679,198$52,316,377$291,067,626
87$571,539,561$93,952,925$53,948,421$317,850,548
88$629,712,245$98,432,267$55,631,342$347,234,422
89$693,814,625$103,127,179$57,366,723$379,478,490
90$764,451,408$108,048,102$59,156,200$414,868,152
91$842,288,975$113,205,982$61,001,456$453,717,622
92$928,061,675$118,612,300$62,904,229$496,372,846
93$1,022,578,755$124,279,092$64,866,310$543,214,732
94$1,126,732,004$130,218,984$66,889,548$594,662,697
95$1,241,504,166$136,445,211$68,975,845$651,178,574
96$1,367,978,222$142,971,657$71,127,166$713,270,930
97$1,507,347,611$149,812,879$73,345,537$781,499,807
98$1,660,927,500$156,984,143$75,633,045$856,481,958
99$1,830,167,196$164,501,457$77,991,843$938,896,610
100$2,016,663,831$172,381,609$80,424,151$1,029,491,816