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

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 $17,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$1,469,907$1,456,814$1,444,040$1,431,572$1,419,397$1,382,839
2 years$727,677$714,125$700,990$688,256$675,903$639,315
3 years$480,299$466,688$453,587$440,972$428,821$393,347
4 years$356,634$343,065$330,095$317,696$305,839$271,752
5 years$282,455$268,967$256,167$244,021$232,494$199,889
6 years$233,018$219,632$207,021$195,145$183,964$152,873
7 years$197,720$184,447$172,036$160,440$149,612$120,037
8 years$171,259$158,105$145,900$134,589$124,118$96,044
9 years$150,688$137,659$125,664$114,640$104,525$77,929
10 years$134,242$121,339$109,556$98,821$89,061$63,910
11 years$120,794$108,021$96,452$86,004$76,595$52,853
12 years$109,596$96,954$85,598$75,437$66,376$43,999
13 years$100,128$87,618$76,477$66,599$57,881$36,825
14 years$92,019$79,643$68,715$59,119$50,738$30,955
15 years$84,998$72,755$62,040$52,724$44,674$26,114
16 years$78,861$66,751$56,248$47,209$39,483$22,095
17 years$73,451$61,475$51,184$42,417$35,008$18,741
18 years$68,648$56,806$46,724$38,226$31,128$15,929
19 years$64,355$52,647$42,774$34,540$27,745$13,562
20 years$60,497$48,922$39,256$31,283$24,782$11,564
21 years$57,010$45,569$36,108$28,391$22,177$9,872
22 years$53,845$42,537$33,279$25,814$19,879$8,437
23 years$50,959$39,784$30,727$23,510$17,844$7,216
24 years$48,317$37,275$28,417$21,442$16,039$6,177
25 years$45,891$34,981$26,320$19,582$14,433$5,291
26 years$43,655$32,876$24,411$17,905$13,000$4,535
27 years$41,588$30,941$22,667$16,389$11,721$3,888
28 years$39,672$29,155$21,072$15,016$10,576$3,335
29 years$37,892$27,505$19,610$13,770$9,550$2,862
30 years$36,233$25,975$18,266$12,637$8,629$2,456
31 years$34,684$24,555$17,028$11,606$7,801$2,109
32 years$33,235$23,234$15,888$10,666$7,057$1,811
33 years$31,877$22,003$14,835$9,809$6,386$1,555
34 years$30,602$20,854$13,861$9,025$5,782$1,336
35 years$29,401$19,780$12,959$8,308$5,237$1,148
36 years$28,271$18,774$12,122$7,651$4,745$986
37 years$27,203$17,831$11,346$7,050$4,301$848
38 years$26,195$16,946$10,625$6,498$3,899$728
39 years$25,240$16,114$9,955$5,991$3,536$626
40 years$24,335$15,331$9,331$5,526$3,207$538
41 years$23,477$14,593$8,749$5,099$2,909$462
42 years$22,662$13,898$8,207$4,705$2,640$398
43 years$21,887$13,242$7,701$4,344$2,396$342
44 years$21,149$12,623$7,229$4,011$2,175$294
45 years$20,446$12,037$6,788$3,704$1,974$253
46 years$19,775$11,483$6,375$3,421$1,793$217
47 years$19,135$10,958$5,989$3,161$1,628$187
48 years$18,524$10,461$5,628$2,921$1,478$160
49 years$17,939$9,990$5,290$2,699$1,343$138
50 years$17,379$9,542$4,974$2,495$1,220$119

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 $5,137 every year, while hoping to spend $21,129 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: 33/47/20 Blend
51$17,800,000$17,800,000$17,800,000$17,800,000
52$19,620,899$18,677,499$18,401,599$20,147,178
53$21,599,749$19,570,215$18,995,571$21,431,478
54$23,779,735$20,505,966$19,608,734$22,812,390
55$26,181,348$21,486,839$20,241,707$24,300,242
56$28,827,172$22,515,021$20,895,131$25,904,458
57$31,742,093$23,592,807$21,569,667$27,635,355
58$34,953,535$24,722,602$22,265,999$29,504,233
59$38,491,716$25,906,931$22,984,831$31,523,473
60$42,389,939$27,148,438$23,726,891$33,706,639
61$46,684,901$28,449,900$24,492,930$36,068,600
62$51,417,042$29,814,226$25,283,723$38,625,659
63$56,630,924$31,244,467$26,100,072$41,395,690
64$62,375,657$32,743,825$26,942,804$44,398,301
65$68,705,357$34,315,655$27,812,770$47,655,005
66$75,679,659$35,963,477$28,710,853$51,189,404
67$83,364,280$37,690,983$29,637,962$55,027,406
68$91,831,638$39,502,043$30,595,036$59,197,449
69$101,161,540$41,400,718$31,583,045$63,730,758
70$111,441,929$43,391,265$32,602,988$68,661,619
71$122,769,717$45,478,148$33,655,900$74,027,692
72$135,251,702$47,666,052$34,742,846$79,870,343
73$149,005,573$49,959,886$35,864,929$86,235,020
74$164,161,023$52,364,801$37,023,285$93,171,662
75$180,860,969$54,886,198$38,219,088$100,735,147
76$199,262,910$57,529,744$39,453,549$108,985,796
77$219,540,403$60,301,377$40,727,919$117,989,912
78$241,884,709$63,207,330$42,043,490$127,820,387
79$266,506,598$66,254,138$43,401,594$138,557,368
80$293,638,332$69,448,652$44,803,610$150,288,983
81$323,535,868$72,798,062$46,250,956$163,112,151
82$356,481,265$76,309,905$47,745,102$177,133,465
83$392,785,351$79,992,088$49,287,560$192,470,172
84$432,790,659$83,852,902$50,879,895$209,251,249
85$476,874,656$87,901,044$52,523,721$227,618,587
86$525,453,310$92,145,634$54,220,705$247,728,298
87$578,985,016$96,596,239$55,972,567$269,752,155
88$637,974,924$101,262,890$57,781,084$293,879,173
89$702,979,705$106,156,111$59,648,090$320,317,359
90$774,612,811$111,286,937$61,575,477$349,295,634
91$853,550,263$116,666,942$63,565,201$381,065,949
92$940,537,034$122,308,266$65,619,279$415,905,624
93$1,036,394,082$128,223,642$67,739,795$454,119,917
94$1,142,026,100$134,426,422$69,928,900$496,044,856
95$1,258,430,058$140,930,613$72,188,814$542,050,366
96$1,386,704,615$147,750,904$74,521,831$592,543,699
97$1,528,060,490$154,902,702$76,930,316$647,973,231
98$1,683,831,892$162,402,167$79,416,714$708,832,634
99$1,855,489,117$170,266,245$81,983,546$775,665,474
100$2,044,652,431$178,512,715$84,633,419$849,070,277