Can I retire at age 52 with 18,200,000?

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 $18,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$1,502,939$1,489,552$1,476,490$1,463,742$1,451,294$1,417,937
2 years$744,029$730,172$716,743$703,722$691,092$657,670
3 years$491,092$477,176$463,780$450,882$438,457$406,014
4 years$364,649$350,775$337,513$324,835$312,711$281,496
5 years$288,802$275,012$261,924$249,504$237,718$207,819
6 years$238,255$224,568$211,674$199,531$188,098$159,546
7 years$202,163$188,592$175,902$164,045$152,974$125,774
8 years$175,107$161,658$149,179$137,613$126,907$101,047
9 years$154,074$140,752$128,487$117,216$106,874$82,335
10 years$137,258$124,066$112,018$101,041$91,062$67,818
11 years$123,508$110,449$98,619$87,936$78,316$56,335
12 years$112,059$99,133$87,522$77,132$67,867$47,114
13 years$102,378$89,587$78,195$68,096$59,182$39,617
14 years$94,087$81,432$70,259$60,448$51,878$33,462
15 years$86,908$74,390$63,434$53,909$45,678$28,367
16 years$80,633$68,251$57,512$48,270$40,370$24,122
17 years$75,102$62,857$52,334$43,370$35,795$20,564
18 years$70,190$58,083$47,774$39,085$31,827$17,568
19 years$65,801$53,830$43,735$35,317$28,368$15,036
20 years$61,856$50,022$40,138$31,986$25,339$12,889
21 years$58,291$46,593$36,919$29,029$22,676$11,063
22 years$55,055$43,493$34,027$26,394$20,325$9,506
23 years$52,104$40,678$31,417$24,038$18,245$8,175
24 years$49,403$38,113$29,056$21,924$16,399$7,037
25 years$46,922$35,767$26,912$20,022$14,757$6,061
26 years$44,636$33,615$24,959$18,307$13,292$5,224
27 years$42,523$31,636$23,177$16,757$11,984$4,505
28 years$40,564$29,810$21,546$15,353$10,814$3,886
29 years$38,743$28,123$20,050$14,079$9,764$3,354
30 years$37,047$26,559$18,676$12,921$8,823$2,895
31 years$35,464$25,107$17,411$11,867$7,977$2,500
32 years$33,982$23,756$16,245$10,906$7,215$2,159
33 years$32,594$22,498$15,168$10,029$6,530$1,866
34 years$31,289$21,323$14,172$9,228$5,912$1,612
35 years$30,062$20,224$13,250$8,494$5,355$1,393
36 years$28,906$19,196$12,395$7,823$4,852$1,204
37 years$27,815$18,231$11,601$7,208$4,397$1,041
38 years$26,783$17,326$10,864$6,644$3,987$900
39 years$25,807$16,476$10,179$6,126$3,615$778
40 years$24,882$15,675$9,540$5,650$3,279$673
41 years$24,005$14,921$8,946$5,213$2,975$582
42 years$23,171$14,211$8,392$4,811$2,699$503
43 years$22,379$13,540$7,874$4,441$2,450$435
44 years$21,624$12,906$7,391$4,101$2,224$376
45 years$20,905$12,307$6,940$3,787$2,019$325
46 years$20,220$11,741$6,518$3,498$1,833$281
47 years$19,565$11,204$6,124$3,232$1,664$243
48 years$18,940$10,696$5,755$2,986$1,511$210
49 years$18,342$10,214$5,409$2,760$1,373$182
50 years$17,770$9,757$5,085$2,551$1,247$157

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $18,200,000, adding $5,552 every year, while hoping to spend $48,257 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: 58/25/17 Blend
51$18,200,000$18,200,000$18,200,000$18,200,000
52$20,062,127$19,097,527$18,815,427$21,136,570
53$22,057,119$19,981,961$19,394,399$22,749,755
54$24,253,982$20,908,114$19,991,149$24,501,757
55$26,673,258$21,877,981$20,606,221$26,410,602
56$29,337,579$22,893,651$21,240,178$28,491,405
57$32,271,885$23,957,313$21,893,597$30,760,781
58$35,503,659$25,071,263$22,567,075$33,237,003
59$39,063,186$26,237,909$23,261,226$35,940,167
60$42,983,837$27,459,772$23,976,682$38,892,376
61$47,302,384$28,739,497$24,714,097$42,117,942
62$52,059,350$30,079,855$25,474,142$45,643,609
63$57,299,389$31,483,753$26,257,511$49,498,804
64$63,071,706$32,954,236$27,064,917$53,715,900
65$69,430,525$34,494,499$27,897,097$58,330,521
66$76,435,596$36,107,887$28,754,807$63,381,870
67$84,152,765$37,797,911$29,638,831$68,913,089
68$92,654,587$39,568,249$30,549,972$74,971,661
69$102,021,021$41,422,759$31,489,062$81,609,847
70$112,340,173$43,365,483$32,456,954$88,885,175
71$123,709,140$45,400,660$33,454,530$96,860,969
72$136,234,914$47,532,734$34,482,699$105,606,942
73$150,035,401$49,766,364$35,542,396$115,199,839
74$165,240,531$52,106,435$36,634,585$125,724,157
75$181,993,482$54,558,067$37,760,261$137,272,929
76$200,452,034$57,126,630$38,920,446$149,948,588
77$220,790,058$59,817,751$40,116,197$163,863,928
78$243,199,156$62,637,332$41,348,602$179,143,152
79$267,890,469$65,591,561$42,618,780$195,923,033
80$295,096,674$68,686,925$43,927,886$214,354,193
81$325,074,176$71,930,225$45,277,111$234,602,508
82$358,105,528$75,328,592$46,667,680$256,850,662
83$394,502,103$78,889,504$48,100,858$281,299,855
84$434,607,027$82,620,799$49,577,946$308,171,683
85$478,798,423$86,530,697$51,100,287$337,710,221
86$527,492,978$90,627,818$52,669,263$370,184,300
87$581,149,877$94,921,196$54,286,298$405,890,034
88$640,275,137$99,420,307$55,952,862$445,153,592
89$705,426,385$104,135,086$57,670,466$488,334,258
90$777,218,120$109,075,949$59,440,671$535,827,802
91$856,327,517$114,253,819$61,265,082$588,070,193
92$943,500,816$119,680,149$63,145,355$645,541,694
93$1,039,560,371$125,366,948$65,083,196$708,771,369
94$1,145,412,408$131,326,808$67,080,363$778,342,054
95$1,262,055,585$137,572,933$69,138,666$854,895,831
96$1,390,590,416$144,119,167$71,259,972$939,140,066
97$1,532,229,662$150,980,030$73,446,205$1,031,854,051
98$1,688,309,780$158,170,744$75,699,346$1,133,896,338
99$1,860,303,540$165,707,274$78,021,437$1,246,212,808
100$2,049,833,928$173,606,357$80,414,581$1,369,845,568