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 $6,044 every year, while hoping to spend $30,916 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: 67/18/15 Blend
51$18,100,000$18,100,000$18,100,000$18,100,000
52$19,952,434$18,993,134$18,712,584$21,218,370
53$21,954,688$19,890,904$19,306,562$22,961,528
54$24,160,136$20,831,627$19,919,401$24,862,616
55$26,589,470$21,817,378$20,551,701$26,940,531
56$29,265,495$22,850,327$21,204,082$29,212,614
57$32,213,336$23,932,754$21,877,179$31,697,947
58$35,460,684$25,067,047$22,571,653$34,417,529
59$39,038,052$26,255,710$23,288,181$37,394,465
60$42,979,063$27,501,370$24,027,465$40,654,187
61$47,320,770$28,806,780$24,790,227$44,224,683
62$52,104,003$30,174,826$25,577,214$48,136,762
63$57,373,756$31,608,537$26,389,196$52,424,334
64$63,179,611$33,111,088$27,226,966$57,124,732
65$69,576,205$34,685,805$28,091,343$62,279,052
66$76,623,749$36,336,180$28,983,174$67,932,539
67$84,388,592$38,065,873$29,903,331$74,135,008
68$92,943,849$39,878,722$30,852,713$80,941,308
69$102,370,092$41,778,750$31,832,249$88,411,832
70$112,756,110$43,770,177$32,842,898$96,613,082
71$124,199,746$45,857,429$33,885,649$105,618,288
72$136,808,823$48,045,146$34,961,520$115,508,094
73$150,702,157$50,338,192$36,071,566$126,371,310
74$166,010,685$52,741,672$37,216,871$138,305,742
75$182,878,696$55,260,934$38,398,557$151,419,110
76$201,465,193$57,901,590$39,617,779$165,830,052
77$221,945,398$60,669,524$40,875,730$181,669,236
78$244,512,404$63,570,905$42,173,642$199,080,585
79$269,378,993$66,612,204$43,512,783$218,222,627
80$296,779,655$69,800,206$44,894,466$239,269,975
81$326,972,790$73,142,026$46,320,040$262,414,974
82$360,243,155$76,645,126$47,790,902$287,869,494
83$396,904,550$80,317,331$49,308,491$315,866,928
84$437,302,781$84,166,847$50,874,292$346,664,377
85$481,818,921$88,202,279$52,489,837$380,545,067
86$530,872,912$92,432,652$54,156,708$417,821,006
87$584,927,526$96,867,429$55,876,535$458,835,918
88$644,492,737$101,516,536$57,651,002$503,968,471
89$710,130,532$106,390,382$59,481,846$553,635,838
90$782,460,216$111,499,881$61,370,858$608,297,618
91$862,164,265$116,856,481$63,319,888$668,460,155
92$949,994,759$122,472,188$65,330,843$734,681,304
93$1,046,780,490$128,359,591$67,405,693$807,575,680
94$1,153,434,783$134,531,894$69,546,466$887,820,433
95$1,270,964,119$141,002,944$71,755,261$976,161,628
96$1,400,477,634$147,787,264$74,034,238$1,073,421,264
97$1,543,197,597$154,900,084$76,385,629$1,180,505,012
98$1,700,470,940$162,357,376$78,811,735$1,298,410,738
99$1,873,781,980$170,175,892$81,314,933$1,428,237,906
100$2,064,766,431$178,373,200$83,897,672$1,571,197,925