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

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 $17,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$1,478,165$1,464,999$1,452,153$1,439,614$1,427,371$1,373,452
2 years$731,765$718,137$704,928$692,122$679,701$626,003
3 years$482,997$469,310$456,135$443,449$431,230$379,445
4 years$358,638$344,993$331,950$319,480$307,557$258,078
5 years$284,042$270,478$257,607$245,392$233,800$186,755
6 years$234,327$220,866$208,184$196,242$184,998$140,420
7 years$198,831$185,483$173,002$161,341$150,453$108,329
8 years$172,221$158,993$146,720$135,345$124,815$85,106
9 years$151,535$138,432$126,370$115,284$105,112$67,761
10 years$134,996$122,021$110,172$99,376$89,561$54,500
11 years$121,473$108,628$96,994$86,487$77,025$44,176
12 years$110,211$97,499$86,079$75,860$66,749$36,028
13 years$100,690$88,110$76,906$66,973$58,206$29,526
14 years$92,536$80,090$69,101$59,452$51,023$24,291
15 years$85,476$73,164$62,388$53,020$44,925$20,047
16 years$79,304$67,126$56,564$47,474$39,705$16,587
17 years$73,864$61,821$51,471$42,655$35,205$13,753
18 years$69,033$57,125$46,987$38,441$31,303$11,423
19 years$64,717$52,943$43,014$34,734$27,901$9,501
20 years$60,836$49,197$39,476$31,459$24,921$7,911
21 years$57,330$45,825$36,310$28,551$22,302$6,594
22 years$54,147$42,776$33,466$25,959$19,990$5,500
23 years$51,245$40,008$30,900$23,642$17,945$4,591
24 years$48,589$37,485$28,577$21,562$16,129$3,835
25 years$46,149$35,177$26,468$19,692$14,514$3,204
26 years$43,900$33,061$24,548$18,005$13,073$2,678
27 years$41,822$31,114$22,795$16,481$11,787$2,239
28 years$39,895$29,319$21,191$15,100$10,635$1,873
29 years$38,105$27,659$19,720$13,847$9,603$1,567
30 years$36,437$26,121$18,368$12,708$8,677$1,311
31 years$34,879$24,693$17,124$11,671$7,845$1,097
32 years$33,422$23,365$15,977$10,726$7,096$918
33 years$32,056$22,127$14,918$9,864$6,422$769
34 years$30,773$20,971$13,938$9,075$5,815$643
35 years$29,567$19,891$13,031$8,354$5,267$539
36 years$28,429$18,879$12,191$7,694$4,772$451
37 years$27,356$17,931$11,410$7,089$4,325$378
38 years$26,342$17,041$10,685$6,534$3,921$316
39 years$25,382$16,204$10,011$6,025$3,556$265
40 years$24,472$15,417$9,383$5,557$3,225$222
41 years$23,609$14,675$8,798$5,127$2,926$186
42 years$22,789$13,976$8,253$4,732$2,655$155
43 years$22,010$13,317$7,745$4,368$2,409$130
44 years$21,268$12,694$7,270$4,033$2,187$109
45 years$20,561$12,104$6,826$3,725$1,985$91
46 years$19,886$11,547$6,411$3,441$1,803$76
47 years$19,243$11,020$6,023$3,179$1,637$64
48 years$18,628$10,520$5,660$2,937$1,487$54
49 years$18,039$10,046$5,320$2,714$1,350$45
50 years$17,477$9,596$5,002$2,509$1,226$38

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 $6,375 every year, while hoping to spend $41,461 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: 51/23/26 Blend
51$17,900,000$17,900,000$17,900,000$17,900,000
52$19,732,376$18,783,676$18,506,226$20,594,262
53$21,700,964$19,659,962$19,082,070$22,070,454
54$23,868,959$20,577,796$19,675,816$23,670,002
55$26,256,655$21,539,171$20,288,018$25,408,494
56$28,886,418$22,546,175$20,919,251$27,299,158
57$31,782,892$23,600,996$21,570,106$29,356,532
58$34,973,233$24,705,931$22,241,190$31,596,596
59$38,487,367$25,863,385$22,933,133$34,036,917
60$42,358,267$27,075,881$23,646,583$36,696,811
61$46,622,274$28,346,062$24,382,207$39,597,518
62$51,319,428$29,676,701$25,140,693$42,762,397
63$56,493,855$31,070,705$25,922,751$46,217,139
64$62,194,178$32,531,120$26,729,114$49,990,003
65$68,473,980$34,061,140$27,560,535$54,112,077
66$75,392,306$35,664,116$28,417,792$58,617,563
67$83,014,221$37,343,557$29,301,688$63,544,092
68$91,411,426$39,103,147$30,213,049$68,933,072
69$100,662,934$40,946,743$31,152,729$74,830,069
70$110,855,813$42,878,393$32,121,605$81,285,231
71$122,086,011$44,902,339$33,120,584$88,353,750
72$134,459,261$47,023,031$34,150,600$96,096,374
73$148,092,077$49,245,131$35,212,617$104,579,970
74$163,112,857$51,573,531$36,307,628$113,878,148
75$179,663,091$54,013,356$37,436,656$124,071,941
76$197,898,700$56,569,984$38,600,757$135,250,559
77$217,991,505$59,249,051$39,801,020$147,512,222
78$240,130,851$62,056,467$41,038,567$160,965,075
79$264,525,393$64,998,429$42,314,554$175,728,190
80$291,405,066$68,081,435$43,630,175$191,932,685
81$321,023,255$71,312,298$44,986,658$209,722,942
82$353,659,188$74,698,161$46,385,272$229,257,956
83$389,620,570$78,246,516$47,827,323$250,712,823
84$429,246,489$81,965,217$49,314,160$274,280,375
85$472,910,619$85,862,500$50,847,172$300,172,984
86$521,024,740$89,947,001$52,427,790$328,624,548
87$574,042,635$94,227,775$54,057,493$359,892,683
88$632,464,366$98,714,318$55,737,801$394,261,136
89$696,840,999$103,416,588$57,470,286$432,042,440
90$767,779,805$108,345,025$59,256,564$473,580,848
91$845,949,992$113,510,577$61,098,305$519,255,558
92$932,089,022$118,924,726$62,997,229$569,484,273
93$1,027,009,574$124,599,510$64,955,109$624,727,114
94$1,131,607,219$130,547,555$66,973,773$685,490,948
95$1,246,868,868$136,782,097$69,055,107$752,334,140
96$1,373,882,092$143,317,020$71,201,053$825,871,799
97$1,513,845,393$150,166,881$73,413,615$906,781,556
98$1,668,079,510$157,346,946$75,694,859$995,809,934
99$1,838,039,898$164,873,223$78,046,914$1,093,779,360
100$2,025,330,457$172,762,501$80,471,976$1,201,595,902