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%14%
1 years$1,469,907$1,456,814$1,444,040$1,431,572$1,419,397$1,395,883
2 years$727,677$714,125$700,990$688,256$675,903$652,282
3 years$480,299$466,688$453,587$440,972$428,821$405,827
4 years$356,634$343,065$330,095$317,696$305,839$283,650
5 years$282,455$268,967$256,167$244,021$232,494$211,174
6 years$233,018$219,632$207,021$195,145$183,964$163,538
7 years$197,720$184,447$172,036$160,440$149,612$130,086
8 years$171,259$158,105$145,900$134,589$124,118$105,487
9 years$150,688$137,659$125,664$114,640$104,525$86,780
10 years$134,242$121,339$109,556$98,821$89,061$72,186
11 years$120,794$108,021$96,452$86,004$76,595$60,573
12 years$109,596$96,954$85,598$75,437$66,376$51,186
13 years$100,128$87,618$76,477$66,599$57,881$43,501
14 years$92,019$79,643$68,715$59,119$50,738$37,143
15 years$84,998$72,755$62,040$52,724$44,674$31,839
16 years$78,861$66,751$56,248$47,209$39,483$27,381
17 years$73,451$61,475$51,184$42,417$35,008$23,612
18 years$68,648$56,806$46,724$38,226$31,128$20,409
19 years$64,355$52,647$42,774$34,540$27,745$17,676
20 years$60,497$48,922$39,256$31,283$24,782$15,335
21 years$57,010$45,569$36,108$28,391$22,177$13,324
22 years$53,845$42,537$33,279$25,814$19,879$11,590
23 years$50,959$39,784$30,727$23,510$17,844$10,093
24 years$48,317$37,275$28,417$21,442$16,039$8,798
25 years$45,891$34,981$26,320$19,582$14,433$7,675
26 years$43,655$32,876$24,411$17,905$13,000$6,700
27 years$41,588$30,941$22,667$16,389$11,721$5,853
28 years$39,672$29,155$21,072$15,016$10,576$5,115
29 years$37,892$27,505$19,610$13,770$9,550$4,473
30 years$36,233$25,975$18,266$12,637$8,629$3,912
31 years$34,684$24,555$17,028$11,606$7,801$3,423
32 years$33,235$23,234$15,888$10,666$7,057$2,997
33 years$31,877$22,003$14,835$9,809$6,386$2,624
34 years$30,602$20,854$13,861$9,025$5,782$2,298
35 years$29,401$19,780$12,959$8,308$5,237$2,013
36 years$28,271$18,774$12,122$7,651$4,745$1,763
37 years$27,203$17,831$11,346$7,050$4,301$1,545
38 years$26,195$16,946$10,625$6,498$3,899$1,354
39 years$25,240$16,114$9,955$5,991$3,536$1,187
40 years$24,335$15,331$9,331$5,526$3,207$1,040
41 years$23,477$14,593$8,749$5,099$2,909$912
42 years$22,662$13,898$8,207$4,705$2,640$799
43 years$21,887$13,242$7,701$4,344$2,396$701
44 years$21,149$12,623$7,229$4,011$2,175$615
45 years$20,446$12,037$6,788$3,704$1,974$539
46 years$19,775$11,483$6,375$3,421$1,793$473
47 years$19,135$10,958$5,989$3,161$1,628$414
48 years$18,524$10,461$5,628$2,921$1,478$363
49 years$17,939$9,990$5,290$2,699$1,343$319
50 years$17,379$9,542$4,974$2,495$1,220$279

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 $5,866 every year, while hoping to spend $28,751 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: 34/38/28 Blend
51$17,800,000$17,800,000$17,800,000$17,800,000
52$19,621,651$18,678,251$18,402,351$20,122,257
53$21,592,468$19,562,894$18,988,239$21,385,161
54$23,763,346$20,489,922$19,592,790$22,743,082
55$26,154,658$21,461,379$20,216,600$24,206,882
56$28,788,860$22,479,413$20,860,283$25,786,007
57$31,690,692$23,546,273$21,524,471$27,490,806
58$34,887,421$24,664,318$22,209,819$29,332,626
59$38,409,090$25,836,023$22,917,000$31,323,904
60$42,288,810$27,063,980$23,646,711$33,478,282
61$46,563,063$28,350,909$24,399,671$35,810,722
62$51,272,055$29,699,664$25,176,620$38,337,638
63$56,460,090$31,113,233$25,978,322$41,077,045
64$62,175,991$32,594,753$26,805,568$44,048,713
65$68,473,559$34,147,512$27,659,171$47,274,347
66$75,412,080$35,774,959$28,539,971$50,777,779
67$83,056,889$37,480,708$29,448,837$54,585,179
68$91,479,980$39,268,552$30,386,661$58,725,294
69$100,760,692$41,142,465$31,354,369$63,229,702
70$110,986,454$43,106,617$32,352,912$68,133,099
71$122,253,612$45,165,380$33,383,273$73,473,610
72$134,668,335$47,323,339$34,446,468$79,293,136
73$148,347,623$49,585,300$35,543,542$85,637,735
74$163,420,406$51,956,306$36,675,577$92,558,037
75$180,028,766$54,441,643$37,843,687$100,109,705
76$198,329,271$57,046,855$39,049,021$108,353,947
77$218,494,462$59,777,756$40,292,769$117,358,071
78$240,714,473$62,640,442$41,576,153$127,196,102
79$265,198,833$65,641,308$42,900,438$137,949,460
80$292,178,440$68,787,058$44,266,928$149,707,709
81$321,907,741$72,084,723$45,676,970$162,569,376
82$354,667,134$75,541,678$47,131,952$176,642,863
83$390,765,616$79,165,654$48,633,307$192,047,442
84$430,543,700$82,964,763$50,182,514$208,914,358
85$474,376,628$86,947,507$51,781,099$227,388,038
86$522,677,916$91,122,806$53,430,637$247,627,428
87$575,903,253$95,500,013$55,132,753$269,807,466
88$634,554,808$100,088,938$56,889,124$294,120,700
89$699,185,969$104,899,866$58,701,480$320,779,074
90$770,406,566$109,943,587$60,571,607$350,015,897
91$848,888,627$115,231,415$62,501,348$382,088,008
92$935,372,727$120,775,215$64,492,604$417,278,166
93$1,030,674,976$126,587,431$66,547,336$455,897,679
94$1,135,694,722$132,681,113$68,667,571$498,289,304
95$1,251,423,046$139,069,950$70,855,396$544,830,439
96$1,378,952,114$145,768,295$73,112,969$595,936,643
97$1,519,485,490$152,791,201$75,442,514$652,065,512
98$1,674,349,498$160,154,459$77,846,327$713,720,952
99$1,845,005,745$167,874,625$80,326,777$781,457,884
100$2,033,064,916$175,969,067$82,886,309$855,887,429