Can I retire at age 52 with 18,100,000?

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 $18,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$1,494,681$1,481,367$1,468,378$1,455,699$1,443,319$1,431,226
2 years$739,941$726,160$712,805$699,855$687,295$675,107
3 years$488,394$474,554$461,232$448,404$436,048$424,142
4 years$362,645$348,847$335,659$323,050$310,993$299,462
5 years$287,216$273,501$260,485$248,133$236,412$225,289
6 years$236,946$223,334$210,510$198,434$187,065$176,364
7 years$201,052$187,555$174,935$163,144$152,134$141,860
8 years$174,145$160,770$148,359$136,857$126,210$116,363
9 years$153,228$139,979$127,782$116,572$106,287$96,864
10 years$136,504$123,384$111,403$100,486$90,562$81,557
11 years$122,830$109,842$98,077$87,453$77,886$69,293
12 years$111,443$98,588$87,041$76,708$67,494$59,305
13 years$101,815$89,095$77,765$67,722$58,856$51,062
14 years$93,570$80,985$69,873$60,116$51,593$44,184
15 years$86,431$73,981$63,086$53,613$45,427$38,392
16 years$80,190$67,876$57,196$48,004$40,148$33,476
17 years$74,689$62,512$52,046$43,132$35,598$29,278
18 years$69,805$57,763$47,512$38,870$31,652$25,672
19 years$65,440$53,535$43,495$35,123$28,212$22,560
20 years$61,516$49,747$39,917$31,810$25,200$19,864
21 years$57,971$46,337$36,716$28,870$22,551$17,518
22 years$54,752$43,254$33,840$26,249$20,214$15,472
23 years$51,818$40,455$31,245$23,906$18,145$13,682
24 years$49,132$37,903$28,896$21,803$16,309$12,113
25 years$46,665$35,571$26,764$19,912$14,676$10,734
26 years$44,391$33,431$24,822$18,207$13,219$9,520
27 years$42,289$31,462$23,049$16,665$11,918$8,450
28 years$40,341$29,647$21,427$15,269$10,754$7,505
29 years$38,530$27,968$19,940$14,002$9,711$6,670
30 years$36,844$26,413$18,573$12,850$8,774$5,931
31 years$35,269$24,969$17,315$11,802$7,933$5,276
32 years$33,796$23,626$16,156$10,846$7,176$4,695
33 years$32,414$22,374$15,085$9,974$6,494$4,180
34 years$31,117$21,205$14,094$9,177$5,880$3,722
35 years$29,897$20,113$13,177$8,448$5,325$3,316
36 years$28,747$19,090$12,327$7,780$4,825$2,954
37 years$27,662$18,131$11,538$7,168$4,373$2,633
38 years$26,636$17,231$10,805$6,607$3,965$2,347
39 years$25,665$16,385$10,123$6,092$3,595$2,092
40 years$24,746$15,589$9,488$5,619$3,261$1,866
41 years$23,873$14,839$8,897$5,184$2,959$1,664
42 years$23,044$14,133$8,345$4,785$2,685$1,484
43 years$22,256$13,465$7,831$4,417$2,436$1,324
44 years$21,505$12,835$7,351$4,078$2,212$1,181
45 years$20,790$12,240$6,902$3,766$2,008$1,054
46 years$20,109$11,676$6,483$3,479$1,823$940
47 years$19,458$11,143$6,090$3,214$1,655$839
48 years$18,836$10,637$5,723$2,970$1,503$749
49 years$18,241$10,158$5,379$2,745$1,365$668
50 years$17,672$9,703$5,058$2,537$1,240$596

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $18,100,000, adding $4,534 every year, while hoping to spend $21,630 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: 39/40/21 Blend
51$18,100,000$18,100,000$18,100,000$18,100,000
52$19,950,877$18,991,577$18,711,027$20,603,991
53$21,962,852$19,899,150$19,314,832$21,982,401
54$24,179,324$20,850,469$19,938,140$23,469,498
55$26,621,128$21,847,655$20,581,581$25,077,054
56$29,311,225$22,892,932$21,245,805$26,816,013
57$32,274,916$23,988,632$21,931,486$28,698,374
58$35,540,083$25,137,200$22,639,316$30,737,295
59$39,137,450$26,341,202$23,370,012$32,947,214
60$43,100,876$27,603,327$24,124,313$35,343,970
61$47,467,670$28,926,395$24,902,983$37,944,948
62$52,278,948$30,313,364$25,706,809$40,769,232
63$57,580,019$31,767,336$26,536,604$43,837,771
64$63,420,810$33,291,565$27,393,209$47,173,571
65$69,856,341$34,889,461$28,277,491$50,801,899
66$76,947,246$36,564,602$29,190,345$54,750,508
67$84,760,337$38,320,740$30,132,694$59,049,889
68$93,369,245$40,161,809$31,105,492$63,733,544
69$102,855,107$42,091,937$32,109,725$68,838,290
70$113,307,336$44,115,450$33,146,410$74,404,591
71$124,824,465$46,236,888$34,216,594$80,476,926
72$137,515,073$48,461,008$35,321,363$87,104,195
73$151,498,817$50,792,804$36,461,835$94,340,159
74$166,907,555$53,237,510$37,639,165$102,243,936
75$183,886,593$55,800,615$38,854,545$110,880,539
76$202,596,060$58,487,879$40,109,206$120,321,469
77$223,212,412$61,305,339$41,404,419$130,645,376
78$245,930,106$64,259,329$42,741,495$141,938,775
79$270,963,431$67,356,490$44,121,789$154,296,842
80$298,548,531$70,603,789$45,546,699$167,824,296
81$328,945,636$74,008,530$47,017,669$182,636,357
82$362,441,519$77,578,376$48,536,189$198,859,811
83$399,352,200$81,321,362$50,103,797$216,634,185
84$440,025,932$85,245,916$51,722,082$236,113,031
85$484,846,489$89,360,878$53,392,683$257,465,353
86$534,236,786$93,675,516$55,117,294$280,877,168
87$588,662,877$98,199,555$56,897,661$306,553,236
88$648,638,348$102,943,191$58,735,591$334,718,957
89$714,729,170$107,917,118$60,632,944$365,622,465
90$787,559,043$113,132,554$62,591,644$399,536,938
91$867,815,278$118,601,262$64,613,677$436,763,136
92$956,255,294$124,335,581$66,701,093$477,632,205
93$1,053,713,761$130,348,452$68,856,007$522,508,759
94$1,161,110,485$136,653,447$71,080,604$571,794,281
95$1,279,459,090$143,264,801$73,377,139$625,930,869
96$1,409,876,586$150,197,445$75,747,942$685,405,361
97$1,553,593,915$157,467,037$78,195,415$750,753,886
98$1,711,967,574$165,090,001$80,722,041$822,566,868
99$1,886,492,419$173,083,564$83,330,382$901,494,550
100$2,078,815,779$181,465,792$86,023,084$988,253,078