Can I retire at age 52 with 18,000,000?

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 $18,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$1,486,423$1,473,183$1,460,265$1,447,657$1,435,345$1,405,216
2 years$735,853$722,148$708,867$695,989$683,498$653,285
3 years$485,696$471,932$458,684$445,927$433,639$404,285
4 years$360,642$346,920$333,804$321,265$309,275$281,007
5 years$285,629$271,990$259,046$246,762$235,106$208,003
6 years$235,636$222,100$209,347$197,338$186,031$160,123
7 years$199,942$186,519$173,969$162,242$151,293$126,584
8 years$173,183$159,881$147,539$136,101$125,512$101,995
9 years$152,381$139,205$127,076$115,928$105,700$83,358
10 years$135,750$122,703$110,787$99,931$90,061$68,873
11 years$122,151$109,235$97,535$86,970$77,456$57,393
12 years$110,827$98,044$86,560$76,284$67,122$48,155
13 years$101,253$88,603$77,336$67,348$58,531$40,628
14 years$93,053$80,537$69,487$59,784$51,308$34,433
15 years$85,953$73,572$62,737$53,317$45,176$29,292
16 years$79,747$67,501$56,880$47,739$39,926$24,997
17 years$74,276$62,166$51,759$42,893$35,402$21,387
18 years$69,419$57,444$47,249$38,655$31,477$18,339
19 years$65,078$53,239$43,254$34,929$28,057$15,754
20 years$61,176$49,472$39,697$31,634$25,061$13,555
21 years$57,651$46,081$36,513$28,710$22,426$11,679
22 years$54,450$43,015$33,653$26,104$20,102$10,074
23 years$51,531$40,231$31,072$23,774$18,045$8,698
24 years$48,860$37,694$28,737$21,683$16,219$7,517
25 years$46,407$35,374$26,616$19,802$14,595$6,500
26 years$44,146$33,246$24,685$18,106$13,146$5,625
27 years$42,055$31,288$22,922$16,573$11,853$4,870
28 years$40,118$29,483$21,309$15,184$10,695$4,219
29 years$38,318$27,814$19,830$13,924$9,657$3,656
30 years$36,640$26,267$18,471$12,779$8,726$3,169
31 years$35,074$24,831$17,220$11,737$7,889$2,748
32 years$33,609$23,495$16,066$10,786$7,136$2,383
33 years$32,235$22,250$15,001$9,919$6,458$2,067
34 years$30,945$21,088$14,016$9,126$5,847$1,794
35 years$29,732$20,002$13,104$8,401$5,296$1,557
36 years$28,588$18,985$12,259$7,737$4,798$1,351
37 years$27,509$18,031$11,474$7,129$4,349$1,173
38 years$26,489$17,136$10,745$6,571$3,943$1,018
39 years$25,524$16,295$10,067$6,059$3,575$884
40 years$24,609$15,503$9,436$5,588$3,243$768
41 years$23,741$14,757$8,848$5,156$2,942$667
42 years$22,917$14,054$8,299$4,758$2,670$579
43 years$22,133$13,391$7,788$4,392$2,423$503
44 years$21,387$12,764$7,310$4,056$2,199$437
45 years$20,676$12,172$6,864$3,745$1,997$379
46 years$19,997$11,612$6,447$3,460$1,813$330
47 years$19,350$11,081$6,057$3,196$1,646$286
48 years$18,732$10,578$5,692$2,954$1,495$249
49 years$18,140$10,102$5,350$2,730$1,358$216
50 years$17,574$9,650$5,030$2,523$1,233$188

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $18,000,000, adding $3,017 every year, while hoping to spend $24,033 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: 28/50/22 Blend
51$18,000,000$18,000,000$18,000,000$18,000,000
52$19,839,112$18,885,112$18,606,112$20,257,081
53$21,837,131$19,784,912$19,203,846$21,483,175
54$24,038,141$20,727,996$19,820,798$22,797,292
55$26,462,825$21,716,460$20,457,588$24,208,738
56$29,133,968$22,752,503$21,114,853$25,725,845
57$32,076,685$23,838,427$21,793,252$27,357,718
58$35,318,647$24,976,650$22,493,466$29,114,318
59$38,890,348$26,169,705$23,216,196$31,006,544
60$42,825,392$27,420,249$23,962,168$33,046,322
61$47,160,810$28,731,070$24,732,128$35,246,710
62$51,937,409$30,105,088$25,526,851$37,622,008
63$57,200,156$31,545,368$26,347,131$40,187,880
64$62,998,604$33,055,124$27,193,793$42,961,488
65$69,387,362$34,637,725$28,067,684$45,961,642
66$76,426,603$36,296,704$28,969,683$49,208,964
67$84,182,643$38,035,769$29,900,693$52,726,063
68$92,728,554$39,858,803$30,861,648$56,537,739
69$102,144,866$41,769,884$31,853,513$60,671,196
70$112,520,319$43,773,285$32,877,282$65,156,283
71$123,952,704$45,873,488$33,933,983$70,025,761
72$136,549,784$48,075,193$35,024,675$75,315,586
73$150,430,314$50,383,329$36,150,454$81,065,236
74$165,725,160$52,803,067$37,312,449$87,318,059
75$182,578,536$55,339,827$38,511,825$94,121,663
76$201,149,362$57,999,294$39,749,787$101,528,340
77$221,612,769$60,787,431$41,027,577$109,595,537
78$244,161,748$63,710,492$42,346,477$118,386,376
79$269,008,974$66,775,034$43,707,812$127,970,220
80$296,388,813$69,987,934$45,112,947$138,423,304
81$326,559,534$73,356,405$46,563,293$149,829,423
82$359,805,749$76,888,012$48,060,306$162,280,694
83$396,441,099$80,590,687$49,605,490$175,878,399
84$436,811,211$84,472,751$51,200,394$190,733,901
85$481,296,969$88,542,930$52,846,621$206,969,665
86$530,318,100$92,810,374$54,545,824$224,720,378
87$584,337,146$97,284,682$56,299,708$244,134,186
88$643,863,822$101,975,919$58,110,035$265,374,044
89$709,459,834$106,894,641$59,978,624$288,619,225
90$781,744,179$112,051,920$61,907,350$314,066,958
91$861,398,990$117,459,369$63,898,151$341,934,255
92$949,175,974$123,129,165$65,953,026$372,459,905
93$1,045,903,510$129,074,081$68,074,039$405,906,680
94$1,152,494,470$135,307,513$70,263,321$442,563,767
95$1,269,954,836$141,843,511$72,523,072$482,749,441
96$1,399,393,195$148,696,809$74,855,561$526,814,013
97$1,542,031,210$155,882,862$77,263,132$575,143,078
98$1,699,215,150$163,417,879$79,748,204$628,161,092
99$1,872,428,600$171,318,860$82,313,273$686,335,315
100$2,063,306,467$179,603,634$84,960,917$750,180,152