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%19.8%
1 years$1,469,907$1,456,814$1,444,040$1,431,572$1,419,397$1,363,619
2 years$727,677$714,125$700,990$688,256$675,903$620,391
3 years$480,299$466,688$453,587$440,972$428,821$375,321
4 years$356,634$343,065$330,095$317,696$305,839$254,759
5 years$282,455$268,967$256,167$244,021$232,494$183,965
6 years$233,018$219,632$207,021$195,145$183,964$138,018
7 years$197,720$184,447$172,036$160,440$149,612$106,232
8 years$171,259$158,105$145,900$134,589$124,118$83,260
9 years$150,688$137,659$125,664$114,640$104,525$66,129
10 years$134,242$121,339$109,556$98,821$89,061$53,052
11 years$120,794$108,021$96,452$86,004$76,595$42,891
12 years$109,596$96,954$85,598$75,437$66,376$34,886
13 years$100,128$87,618$76,477$66,599$57,881$28,511
14 years$92,019$79,643$68,715$59,119$50,738$23,391
15 years$84,998$72,755$62,040$52,724$44,674$19,249
16 years$78,861$66,751$56,248$47,209$39,483$15,881
17 years$73,451$61,475$51,184$42,417$35,008$13,128
18 years$68,648$56,806$46,724$38,226$31,128$10,871
19 years$64,355$52,647$42,774$34,540$27,745$9,015
20 years$60,497$48,922$39,256$31,283$24,782$7,483
21 years$57,010$45,569$36,108$28,391$22,177$6,218
22 years$53,845$42,537$33,279$25,814$19,879$5,171
23 years$50,959$39,784$30,727$23,510$17,844$4,302
24 years$48,317$37,275$28,417$21,442$16,039$3,582
25 years$45,891$34,981$26,320$19,582$14,433$2,983
26 years$43,655$32,876$24,411$17,905$13,000$2,486
27 years$41,588$30,941$22,667$16,389$11,721$2,072
28 years$39,672$29,155$21,072$15,016$10,576$1,727
29 years$37,892$27,505$19,610$13,770$9,550$1,440
30 years$36,233$25,975$18,266$12,637$8,629$1,201
31 years$34,684$24,555$17,028$11,606$7,801$1,002
32 years$33,235$23,234$15,888$10,666$7,057$836
33 years$31,877$22,003$14,835$9,809$6,386$697
34 years$30,602$20,854$13,861$9,025$5,782$582
35 years$29,401$19,780$12,959$8,308$5,237$485
36 years$28,271$18,774$12,122$7,651$4,745$405
37 years$27,203$17,831$11,346$7,050$4,301$338
38 years$26,195$16,946$10,625$6,498$3,899$282
39 years$25,240$16,114$9,955$5,991$3,536$235
40 years$24,335$15,331$9,331$5,526$3,207$197
41 years$23,477$14,593$8,749$5,099$2,909$164
42 years$22,662$13,898$8,207$4,705$2,640$137
43 years$21,887$13,242$7,701$4,344$2,396$114
44 years$21,149$12,623$7,229$4,011$2,175$95
45 years$20,446$12,037$6,788$3,704$1,974$80
46 years$19,775$11,483$6,375$3,421$1,793$66
47 years$19,135$10,958$5,989$3,161$1,628$55
48 years$18,524$10,461$5,628$2,921$1,478$46
49 years$17,939$9,990$5,290$2,699$1,343$39
50 years$17,379$9,542$4,974$2,495$1,220$32

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 $2,852 every year, while hoping to spend $36,412 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: 66/19/15 Blend
51$17,800,000$17,800,000$17,800,000$17,800,000
52$19,618,542$18,675,142$18,399,242$20,843,203
53$21,580,891$19,551,482$18,976,874$22,538,073
54$23,742,179$20,469,542$19,572,637$24,385,458
55$26,122,660$21,431,328$20,187,099$26,403,882
56$28,744,652$22,438,943$20,820,847$28,610,090
57$31,632,747$23,494,593$21,474,487$31,022,501
58$34,814,047$24,600,587$22,148,641$33,661,383
59$38,318,414$25,759,350$22,843,955$36,549,040
60$42,178,757$26,973,422$23,561,092$39,710,015
61$46,431,338$28,245,468$24,300,736$43,171,321
62$51,116,118$29,578,280$25,063,595$46,962,688
63$56,277,133$30,974,786$25,850,396$51,116,840
64$61,962,907$32,438,057$26,661,891$55,669,800
65$68,226,913$33,971,312$27,498,854$60,661,220
66$75,128,078$35,577,926$28,362,085$66,134,757
67$82,731,335$37,261,437$29,252,408$72,138,469
68$91,108,240$39,025,556$30,170,672$78,725,275
69$100,337,646$40,874,175$31,117,756$85,953,435
70$110,506,447$42,811,370$32,094,562$93,887,103
71$121,710,399$44,841,421$33,102,023$102,596,921
72$134,055,020$46,968,812$34,141,102$112,160,678
73$147,656,593$49,198,245$35,212,790$122,664,041
74$162,643,258$51,534,650$36,318,110$134,201,348
75$179,156,221$53,983,199$37,458,118$146,876,498
76$197,351,092$56,549,313$38,633,902$160,803,917
77$217,399,350$59,238,675$39,846,584$176,109,631
78$239,489,961$62,057,247$41,097,321$192,932,449
79$263,831,164$65,011,280$42,387,309$211,425,258
80$290,652,437$68,107,326$43,717,778$231,756,459
81$320,206,660$71,352,260$45,089,998$254,111,543
82$352,772,505$74,753,287$46,505,279$278,694,833
83$388,657,067$78,317,965$47,964,972$305,731,403
84$428,198,760$82,054,217$49,470,471$335,469,182
85$471,770,514$85,970,354$51,023,212$368,181,290
86$519,783,294$90,075,089$52,624,677$404,168,596
87$572,689,982$94,377,560$54,276,396$443,762,548
88$630,989,649$98,887,349$55,979,944$487,328,287
89$695,232,269$103,614,505$57,736,947$535,268,073
90$766,023,908$108,569,563$59,549,083$588,025,071
91$844,032,450$113,763,576$61,418,081$646,087,518
92$929,993,898$119,208,128$63,345,724$709,993,309
93$1,024,719,323$124,915,374$65,333,853$780,335,059
94$1,129,102,521$130,898,055$67,384,365$857,765,680
95$1,244,128,453$137,169,534$69,499,216$943,004,520
96$1,370,882,541$143,743,827$71,680,425$1,036,844,134
97$1,510,560,915$150,635,629$73,930,074$1,140,157,744
98$1,664,481,706$157,860,353$76,250,309$1,253,907,458
99$1,834,097,490$165,434,161$78,643,345$1,379,153,329
100$2,021,009,002$173,374,002$81,111,465$1,517,063,335