Can I retire at age 52 with 17,900,000?

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 $17,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$1,478,165$1,464,999$1,452,153$1,439,614$1,427,371$1,409,535
2 years$731,765$718,137$704,928$692,122$679,701$661,753
3 years$482,997$469,310$456,135$443,449$431,230$413,729
4 years$358,638$344,993$331,950$319,480$307,557$290,638
5 years$284,042$270,478$257,607$245,392$233,800$217,512
6 years$234,327$220,866$208,184$196,242$184,998$169,360
7 years$198,831$185,483$173,002$161,341$150,453$135,472
8 years$172,221$158,993$146,720$135,345$124,815$110,489
9 years$151,535$138,432$126,370$115,284$105,112$91,435
10 years$134,996$122,021$110,172$99,376$89,561$76,523
11 years$121,473$108,628$96,994$86,487$77,025$64,615
12 years$110,211$97,499$86,079$75,860$66,749$54,952
13 years$100,690$88,110$76,906$66,973$58,206$47,008
14 years$92,536$80,090$69,101$59,452$51,023$40,408
15 years$85,476$73,164$62,388$53,020$44,925$34,874
16 years$79,304$67,126$56,564$47,474$39,705$30,201
17 years$73,864$61,821$51,471$42,655$35,205$26,229
18 years$69,033$57,125$46,987$38,441$31,303$22,836
19 years$64,717$52,943$43,014$34,734$27,901$19,923
20 years$60,836$49,197$39,476$31,459$24,921$17,413
21 years$57,330$45,825$36,310$28,551$22,302$15,243
22 years$54,147$42,776$33,466$25,959$19,990$13,362
23 years$51,245$40,008$30,900$23,642$17,945$11,726
24 years$48,589$37,485$28,577$21,562$16,129$10,301
25 years$46,149$35,177$26,468$19,692$14,514$9,058
26 years$43,900$33,061$24,548$18,005$13,073$7,970
27 years$41,822$31,114$22,795$16,481$11,787$7,018
28 years$39,895$29,319$21,191$15,100$10,635$6,184
29 years$38,105$27,659$19,720$13,847$9,603$5,451
30 years$36,437$26,121$18,368$12,708$8,677$4,807
31 years$34,879$24,693$17,124$11,671$7,845$4,242
32 years$33,422$23,365$15,977$10,726$7,096$3,744
33 years$32,056$22,127$14,918$9,864$6,422$3,305
34 years$30,773$20,971$13,938$9,075$5,815$2,919
35 years$29,567$19,891$13,031$8,354$5,267$2,578
36 years$28,429$18,879$12,191$7,694$4,772$2,278
37 years$27,356$17,931$11,410$7,089$4,325$2,013
38 years$26,342$17,041$10,685$6,534$3,921$1,779
39 years$25,382$16,204$10,011$6,025$3,556$1,573
40 years$24,472$15,417$9,383$5,557$3,225$1,390
41 years$23,609$14,675$8,798$5,127$2,926$1,229
42 years$22,789$13,976$8,253$4,732$2,655$1,087
43 years$22,010$13,317$7,745$4,368$2,409$961
44 years$21,268$12,694$7,270$4,033$2,187$850
45 years$20,561$12,104$6,826$3,725$1,985$752
46 years$19,886$11,547$6,411$3,441$1,803$665
47 years$19,243$11,020$6,023$3,179$1,637$588
48 years$18,628$10,520$5,660$2,937$1,487$521
49 years$18,039$10,046$5,320$2,714$1,350$461
50 years$17,477$9,596$5,002$2,509$1,226$407

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $17,900,000, adding $4,357 every year, while hoping to spend $48,896 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: 43/42/15 Blend
51$17,900,000$17,900,000$17,900,000$17,900,000
52$19,730,294$18,781,594$18,504,144$20,492,485
53$21,690,759$19,649,867$19,072,008$21,895,974
54$23,849,553$20,559,047$19,657,257$23,410,348
55$26,226,853$21,511,086$20,260,421$25,049,928
56$28,844,894$22,508,032$20,882,047$26,826,236
57$31,728,177$23,552,029$21,522,699$28,751,915
58$34,903,700$24,645,327$22,182,958$30,840,838
59$38,401,212$25,790,282$22,863,422$33,108,236
60$42,253,496$26,989,367$23,564,707$35,570,826
61$46,496,677$28,245,170$24,287,449$38,246,966
62$51,170,563$29,560,408$25,032,303$41,156,818
63$56,319,018$30,937,926$25,799,943$44,322,526
64$61,990,381$32,380,708$26,591,064$47,768,417
65$68,237,918$33,891,880$27,406,383$51,521,222
66$75,120,326$35,474,723$28,246,638$55,610,315
67$82,702,287$37,132,672$29,112,588$60,067,976
68$91,055,079$38,869,331$30,005,018$64,929,692
69$100,257,245$40,688,477$30,924,734$70,234,470
70$110,395,341$42,594,069$31,872,570$76,025,199
71$121,564,746$44,590,259$32,849,381$82,349,038
72$133,870,567$46,681,398$33,856,052$89,257,846
73$147,428,627$48,872,049$34,893,491$96,808,660
74$162,366,561$51,166,994$35,962,638$105,064,213
75$178,825,022$53,571,248$37,064,458$114,093,513
76$196,959,004$56,090,069$38,199,947$123,972,478
77$216,939,308$58,728,967$39,370,130$134,784,631
78$238,954,152$61,493,722$40,576,065$146,621,870
79$263,210,953$64,390,392$41,818,840$159,585,321
80$289,938,276$67,425,327$43,099,578$173,786,264
81$319,388,001$70,605,189$44,419,434$189,347,167
82$351,837,692$73,936,958$45,779,600$206,402,820
83$387,593,223$77,427,955$47,181,303$225,101,578
84$426,991,664$81,085,857$48,625,808$245,606,744
85$470,404,458$84,918,709$50,114,418$268,098,079
86$518,240,937$88,934,950$51,648,475$292,773,472
87$570,952,176$93,143,426$53,229,363$319,850,784
88$629,035,258$97,553,413$54,858,506$349,569,870
89$693,037,961$102,174,638$56,537,373$382,194,814
90$763,563,936$107,017,297$58,267,477$418,016,388
91$841,278,396$112,092,084$60,050,377$457,354,765
92$926,914,407$117,410,210$61,887,679$500,562,502
93$1,021,279,797$122,983,431$63,781,037$548,027,835
94$1,125,264,791$128,824,073$65,732,156$600,178,300
95$1,239,850,409$134,945,063$67,742,793$657,484,732
96$1,366,117,732$141,359,952$69,814,758$720,465,663
97$1,505,258,103$148,082,952$71,949,914$789,692,173
98$1,658,584,377$155,128,964$74,150,184$865,793,236
99$1,827,543,315$162,513,615$76,417,547$949,461,605
100$2,013,729,239$170,253,288$78,754,040$1,041,460,301