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%13.4%
1 years$1,486,423$1,473,183$1,460,265$1,447,657$1,435,345$1,415,064
2 years$735,853$722,148$708,867$695,989$683,498$663,104
3 years$485,696$471,932$458,684$445,927$433,639$413,767
4 years$360,642$346,920$333,804$321,265$309,275$290,077
5 years$285,629$271,990$259,046$246,762$235,106$216,639
6 years$235,636$222,100$209,347$197,338$186,031$168,316
7 years$199,942$186,519$173,969$162,242$151,293$134,336
8 years$173,183$159,881$147,539$136,101$125,512$109,311
9 years$152,381$139,205$127,076$115,928$105,700$90,247
10 years$135,750$122,703$110,787$99,931$90,061$75,345
11 years$122,151$109,235$97,535$86,970$77,456$63,462
12 years$110,827$98,044$86,560$76,284$67,122$53,834
13 years$101,253$88,603$77,336$67,348$58,531$45,932
14 years$93,053$80,537$69,487$59,784$51,308$39,377
15 years$85,953$73,572$62,737$53,317$45,176$33,892
16 years$79,747$67,501$56,880$47,739$39,926$29,269
17 years$74,276$62,166$51,759$42,893$35,402$25,348
18 years$69,419$57,444$47,249$38,655$31,477$22,005
19 years$65,078$53,239$43,254$34,929$28,057$19,143
20 years$61,176$49,472$39,697$31,634$25,061$16,682
21 years$57,651$46,081$36,513$28,710$22,426$14,559
22 years$54,450$43,015$33,653$26,104$20,102$12,723
23 years$51,531$40,231$31,072$23,774$18,045$11,132
24 years$48,860$37,694$28,737$21,683$16,219$9,749
25 years$46,407$35,374$26,616$19,802$14,595$8,545
26 years$44,146$33,246$24,685$18,106$13,146$7,495
27 years$42,055$31,288$22,922$16,573$11,853$6,579
28 years$40,118$29,483$21,309$15,184$10,695$5,778
29 years$38,318$27,814$19,830$13,924$9,657$5,077
30 years$36,640$26,267$18,471$12,779$8,726$4,463
31 years$35,074$24,831$17,220$11,737$7,889$3,924
32 years$33,609$23,495$16,066$10,786$7,136$3,452
33 years$32,235$22,250$15,001$9,919$6,458$3,038
34 years$30,945$21,088$14,016$9,126$5,847$2,674
35 years$29,732$20,002$13,104$8,401$5,296$2,354
36 years$28,588$18,985$12,259$7,737$4,798$2,073
37 years$27,509$18,031$11,474$7,129$4,349$1,825
38 years$26,489$17,136$10,745$6,571$3,943$1,608
39 years$25,524$16,295$10,067$6,059$3,575$1,416
40 years$24,609$15,503$9,436$5,588$3,243$1,248
41 years$23,741$14,757$8,848$5,156$2,942$1,100
42 years$22,917$14,054$8,299$4,758$2,670$969
43 years$22,133$13,391$7,788$4,392$2,423$854
44 years$21,387$12,764$7,310$4,056$2,199$753
45 years$20,676$12,172$6,864$3,745$1,997$663
46 years$19,997$11,612$6,447$3,460$1,813$585
47 years$19,350$11,081$6,057$3,196$1,646$516
48 years$18,732$10,578$5,692$2,954$1,495$454
49 years$18,140$10,102$5,350$2,730$1,358$401
50 years$17,574$9,650$5,030$2,523$1,233$353

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 $2,575 every year, while hoping to spend $44,480 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: 76/13/11 Blend
51$18,000,000$18,000,000$18,000,000$18,000,000
52$19,838,656$18,884,656$18,605,656$21,305,523
53$21,814,873$19,762,678$19,181,619$23,150,236
54$23,991,173$20,682,232$19,775,386$25,165,963
55$26,387,917$21,645,306$20,387,507$27,374,342
56$29,027,544$22,653,985$21,018,547$29,794,515
57$31,934,776$23,710,453$21,669,091$32,447,551
58$35,136,858$24,817,001$22,339,741$35,356,649
59$38,663,812$25,976,028$23,031,117$38,547,352
60$42,548,719$27,190,052$23,743,858$42,047,781
61$46,828,035$28,461,711$24,478,623$45,888,903
62$51,541,930$29,793,770$25,236,093$50,104,818
63$56,734,672$31,189,130$26,016,967$54,733,075
64$62,455,041$32,650,830$26,821,967$59,815,025
65$68,756,790$34,182,055$27,651,838$65,396,206
66$75,699,155$35,786,148$28,507,347$71,526,774
67$83,347,410$37,466,611$29,389,285$78,261,964
68$91,773,486$39,227,115$30,298,466$85,662,612
69$101,056,648$41,071,509$31,235,730$93,795,727
70$111,284,243$43,003,831$32,201,944$102,735,112
71$122,552,527$45,028,310$33,198,001$112,562,061
72$134,967,571$47,149,384$34,224,821$123,366,122
73$148,646,263$49,371,702$35,283,351$135,245,931
74$163,717,408$51,700,143$36,374,570$148,310,145
75$180,322,952$54,139,817$37,499,486$162,678,454
76$198,619,311$56,696,086$38,659,137$178,482,713
77$218,778,856$59,374,570$39,854,594$195,868,172
78$240,991,537$62,181,162$41,086,960$214,994,848
79$265,466,675$65,122,040$42,357,374$236,039,023
80$292,434,937$68,203,681$43,667,008$259,194,904
81$322,150,518$71,432,879$45,017,070$284,676,446
82$354,893,536$74,816,755$46,408,807$312,719,368
83$390,972,677$78,362,776$47,843,502$343,583,366
84$430,728,110$82,078,773$49,322,480$377,554,555
85$474,534,699$85,972,954$50,847,104$414,948,167
86$522,805,537$90,053,928$52,418,781$456,111,511
87$575,995,853$94,330,721$54,038,961$501,427,244
88$634,607,302$98,812,798$55,709,138$551,316,974
89$699,192,704$103,510,082$57,430,852$606,245,228
90$770,361,264$108,432,981$59,205,689$666,723,827
91$848,784,321$113,592,405$61,035,288$733,316,706
92$935,201,685$118,999,796$62,921,333$806,645,222
93$1,030,428,623$124,667,152$64,865,565$887,394,012
94$1,135,363,555$130,607,055$66,869,773$976,317,440
95$1,250,996,532$136,832,696$68,935,805$1,074,246,705
96$1,378,418,590$143,357,909$71,065,566$1,182,097,671
97$1,518,832,039$150,197,200$73,261,016$1,300,879,503
98$1,673,561,826$157,365,781$75,524,178$1,431,704,172
99$1,844,068,032$164,879,604$77,857,138$1,575,796,939
100$2,031,959,662$172,755,395$80,262,043$1,734,507,904