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

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 $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%19%
1 years$1,494,681$1,481,367$1,468,378$1,455,699$1,443,319$1,391,003
2 years$739,941$726,160$712,805$699,855$687,295$635,161
3 years$488,394$474,554$461,232$448,404$436,048$385,736
4 years$362,645$348,847$335,659$323,050$310,993$262,887
5 years$287,216$273,501$260,485$248,133$236,412$190,637
6 years$236,946$223,334$210,510$198,434$187,065$143,655
7 years$201,052$187,555$174,935$163,144$152,134$111,078
8 years$174,145$160,770$148,359$136,857$126,210$87,473
9 years$153,228$139,979$127,782$116,572$106,287$69,817
10 years$136,504$123,384$111,403$100,486$90,562$56,296
11 years$122,830$109,842$98,077$87,453$77,886$45,751
12 years$111,443$98,588$87,041$76,708$67,494$37,412
13 years$101,815$89,095$77,765$67,722$58,856$30,744
14 years$93,570$80,985$69,873$60,116$51,593$25,364
15 years$86,431$73,981$63,086$53,613$45,427$20,993
16 years$80,190$67,876$57,196$48,004$40,148$17,420
17 years$74,689$62,512$52,046$43,132$35,598$14,486
18 years$69,805$57,763$47,512$38,870$31,652$12,068
19 years$65,440$53,535$43,495$35,123$28,212$10,068
20 years$61,516$49,747$39,917$31,810$25,200$8,409
21 years$57,971$46,337$36,716$28,870$22,551$7,031
22 years$54,752$43,254$33,840$26,249$20,214$5,883
23 years$51,818$40,455$31,245$23,906$18,145$4,926
24 years$49,132$37,903$28,896$21,803$16,309$4,127
25 years$46,665$35,571$26,764$19,912$14,676$3,460
26 years$44,391$33,431$24,822$18,207$13,219$2,901
27 years$42,289$31,462$23,049$16,665$11,918$2,434
28 years$40,341$29,647$21,427$15,269$10,754$2,042
29 years$38,530$27,968$19,940$14,002$9,711$1,714
30 years$36,844$26,413$18,573$12,850$8,774$1,439
31 years$35,269$24,969$17,315$11,802$7,933$1,208
32 years$33,796$23,626$16,156$10,846$7,176$1,014
33 years$32,414$22,374$15,085$9,974$6,494$852
34 years$31,117$21,205$14,094$9,177$5,880$716
35 years$29,897$20,113$13,177$8,448$5,325$601
36 years$28,747$19,090$12,327$7,780$4,825$505
37 years$27,662$18,131$11,538$7,168$4,373$424
38 years$26,636$17,231$10,805$6,607$3,965$356
39 years$25,665$16,385$10,123$6,092$3,595$299
40 years$24,746$15,589$9,488$5,619$3,261$252
41 years$23,873$14,839$8,897$5,184$2,959$211
42 years$23,044$14,133$8,345$4,785$2,685$178
43 years$22,256$13,465$7,831$4,417$2,436$149
44 years$21,505$12,835$7,351$4,078$2,212$125
45 years$20,790$12,240$6,902$3,766$2,008$105
46 years$20,109$11,676$6,483$3,479$1,823$89
47 years$19,458$11,143$6,090$3,214$1,655$74
48 years$18,836$10,637$5,723$2,970$1,503$63
49 years$18,241$10,158$5,379$2,745$1,365$53
50 years$17,672$9,703$5,058$2,537$1,240$44

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 $3,388 every year, while hoping to spend $24,442 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: 40/31/29 Blend
51$18,100,000$18,100,000$18,100,000$18,100,000
52$19,949,695$18,990,395$18,709,845$20,576,703
53$21,958,557$19,894,918$19,310,618$21,938,351
54$24,171,505$20,842,944$19,930,699$23,408,008
55$26,609,328$21,836,578$20,570,707$24,997,596
56$29,294,938$22,878,028$21,231,284$26,718,124
57$32,253,581$23,969,610$21,913,091$28,581,672
58$35,513,077$25,113,753$22,616,811$30,601,499
59$39,104,086$26,313,002$23,343,149$32,792,157
60$43,060,391$27,570,027$24,092,833$35,169,624
61$47,419,222$28,887,629$24,866,613$37,751,448
62$52,221,603$30,268,744$25,665,265$40,556,899
63$57,512,744$31,716,450$26,489,590$43,607,147
64$63,342,465$33,233,976$27,340,411$46,925,450
65$69,765,664$34,824,709$28,218,583$50,537,364
66$76,842,842$36,492,200$29,124,986$54,470,976
67$84,640,666$38,240,172$30,060,527$58,757,155
68$93,232,603$40,072,529$31,026,143$63,429,839
69$102,699,613$41,993,368$32,022,804$68,526,334
70$113,130,913$44,006,982$33,051,507$74,087,664
71$124,624,817$46,117,875$34,113,284$80,158,940
72$137,289,668$48,330,771$35,209,199$86,789,774
73$151,244,857$50,650,622$36,340,350$94,034,734
74$166,621,953$53,082,622$37,507,871$101,953,844
75$183,565,940$55,632,219$38,712,933$110,613,135
76$202,236,594$58,305,125$39,956,744$120,085,257
77$222,809,982$61,107,332$41,240,551$130,450,142
78$245,480,132$64,045,123$42,565,641$141,795,747
79$270,460,858$67,125,087$43,933,343$154,218,862
80$297,987,784$70,354,134$45,345,028$167,826,009
81$328,320,563$73,739,512$46,802,112$182,734,423
82$361,745,334$77,288,822$48,306,056$199,073,145
83$398,577,417$81,010,033$49,858,368$216,984,212
84$439,164,296$84,911,507$51,460,606$236,623,980
85$483,888,895$89,002,011$53,114,376$258,164,574
86$533,173,192$93,290,739$54,821,337$281,795,491
87$587,482,207$97,787,336$56,583,202$307,725,360
88$647,328,391$102,501,914$58,401,738$336,183,888
89$713,276,460$107,445,081$60,278,770$367,424,000
90$785,948,730$112,627,961$62,216,180$401,724,192
91$866,030,991$118,062,221$64,215,912$439,391,139
92$954,278,980$123,760,099$66,279,973$480,762,551
93$1,051,525,519$129,734,426$68,410,435$526,210,328
94$1,158,688,372$135,998,663$70,609,435$576,144,040
95$1,276,778,914$142,566,926$72,879,179$631,014,753
96$1,406,911,678$149,454,020$75,221,946$691,319,250
97$1,550,314,875$156,675,473$77,640,088$757,604,681
98$1,708,341,992$164,247,571$80,136,030$830,473,687
99$1,882,484,568$172,187,394$82,712,279$910,590,043
100$2,074,386,274$180,512,857$85,371,421$998,684,882