Can I retire at age 52 with 18,400,000?

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 $18,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$1,519,455$1,505,920$1,492,716$1,479,827$1,467,242$1,420,274
2 years$752,205$738,196$724,619$711,455$698,687$651,801
3 years$496,489$482,419$468,877$455,836$443,275$397,943
4 years$368,656$354,629$341,222$328,404$316,148$272,715
5 years$291,976$278,034$264,802$252,246$240,331$198,915
6 years$240,873$227,035$214,000$201,723$190,165$150,801
7 years$204,385$190,664$177,835$165,848$154,655$117,339
8 years$177,031$163,434$150,818$139,126$128,302$93,007
9 years$155,768$142,299$129,899$118,504$108,048$74,735
10 years$138,767$125,430$113,249$102,152$92,063$60,680
11 years$124,866$111,663$99,703$88,903$79,177$49,668
12 years$113,290$100,222$88,484$77,980$68,613$40,913
13 years$103,503$90,572$79,054$68,844$59,832$33,874
14 years$95,121$82,327$71,031$61,112$52,448$28,162
15 years$87,863$75,207$64,131$54,501$46,180$23,491
16 years$81,519$69,001$58,144$48,800$40,814$19,649
17 years$75,927$63,548$52,909$43,846$36,188$16,472
18 years$70,962$58,721$48,299$39,514$32,177$13,835
19 years$66,524$54,422$44,216$35,705$28,680$11,639
20 years$62,536$50,571$40,579$32,337$25,617$9,804
21 years$58,932$47,105$37,325$29,348$22,925$8,267
22 years$55,660$43,971$34,400$26,684$20,549$6,977
23 years$52,677$41,125$31,763$24,302$18,446$5,893
24 years$49,946$38,532$29,375$22,165$16,580$4,981
25 years$47,438$36,160$27,207$20,242$14,919$4,212
26 years$45,127$33,985$25,233$18,508$13,439$3,564
27 years$42,990$31,984$23,431$16,941$12,116$3,016
28 years$41,010$30,138$21,783$15,522$10,932$2,554
29 years$39,169$28,432$20,270$14,234$9,872$2,163
30 years$37,454$26,851$18,881$13,063$8,920$1,832
31 years$35,854$25,383$17,602$11,997$8,064$1,552
32 years$34,356$24,017$16,423$11,026$7,295$1,315
33 years$32,952$22,745$15,335$10,139$6,602$1,115
34 years$31,633$21,557$14,328$9,329$5,977$945
35 years$30,392$20,446$13,395$8,588$5,414$801
36 years$29,223$19,407$12,531$7,909$4,905$679
37 years$28,120$18,432$11,729$7,287$4,446$576
38 years$27,078$17,517$10,984$6,717$4,030$488
39 years$26,091$16,657$10,290$6,193$3,655$414
40 years$25,156$15,848$9,645$5,712$3,315$351
41 years$24,269$15,085$9,044$5,270$3,008$298
42 years$23,426$14,367$8,484$4,864$2,729$252
43 years$22,625$13,689$7,961$4,490$2,477$214
44 years$21,862$13,048$7,473$4,146$2,248$182
45 years$21,135$12,443$7,017$3,829$2,041$154
46 years$20,442$11,870$6,590$3,537$1,853$131
47 years$19,780$11,327$6,191$3,267$1,683$111
48 years$19,148$10,813$5,818$3,019$1,528$94
49 years$18,543$10,326$5,469$2,790$1,388$80
50 years$17,965$9,864$5,141$2,579$1,261$68

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $18,400,000, adding $4,792 every year, while hoping to spend $32,467 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: 80/15/5 Blend
51$18,400,000$18,400,000$18,400,000$18,400,000
52$20,281,743$19,306,543$19,021,343$21,900,749
53$22,315,936$20,218,019$19,624,013$23,872,236
54$24,556,529$21,173,069$20,245,785$26,030,048
55$27,024,539$22,173,794$20,887,264$28,396,561
56$29,743,130$23,222,397$21,549,074$30,992,571
57$32,737,821$24,321,187$22,231,861$33,840,978
58$36,036,740$25,472,586$22,936,289$36,966,990
59$39,670,878$26,679,133$23,663,045$40,398,366
60$43,674,387$27,943,490$24,412,836$44,165,670
61$48,084,902$29,268,449$25,186,393$48,302,559
62$52,943,894$30,656,936$25,984,471$52,846,092
63$58,297,066$32,112,020$26,807,845$57,837,084
64$64,194,777$33,636,919$27,657,318$63,320,480
65$70,692,525$35,235,008$28,533,718$69,345,780
66$77,851,463$36,909,825$29,437,899$75,967,500
67$85,738,985$38,665,079$30,370,741$83,245,680
68$94,429,354$40,504,661$31,333,154$91,246,453
69$104,004,409$42,432,649$32,326,075$100,042,656
70$114,554,331$44,453,322$33,350,471$109,714,518
71$126,178,502$46,571,164$34,407,341$120,350,411
72$138,986,437$48,790,878$35,497,714$132,047,675
73$153,098,820$51,117,397$36,622,654$144,913,539
74$168,648,642$53,555,892$37,783,255$159,066,116
75$185,782,459$56,111,786$38,980,650$174,635,524
76$204,661,772$58,790,767$40,216,004$191,765,096
77$225,464,555$61,598,796$41,490,522$210,612,735
78$248,386,931$64,542,129$42,805,446$231,352,391
79$273,645,026$67,627,321$44,162,057$254,175,700
80$301,477,010$70,861,251$45,561,677$279,293,782
81$332,145,343$74,251,130$47,005,671$306,939,228
82$365,939,252$77,804,520$48,495,445$337,368,283
83$403,177,465$81,529,351$50,032,452$370,863,261
84$444,211,217$85,433,939$51,618,189$407,735,197
85$489,427,565$89,527,006$53,254,203$448,326,773
86$539,253,045$93,817,698$54,942,087$493,015,544
87$594,157,696$98,315,606$56,683,488$542,217,491
88$654,659,498$103,030,788$58,480,101$596,390,937
89$721,329,262$107,973,791$60,333,680$656,040,858
90$794,796,018$113,155,679$62,246,030$721,723,642
91$875,752,956$118,588,050$64,219,015$794,052,326
92$964,963,965$124,283,072$66,254,560$873,702,371
93$1,063,270,849$130,253,503$68,354,647$961,418,020
94$1,171,601,273$136,512,722$70,521,326$1,058,019,314
95$1,290,977,520$143,074,762$72,756,707$1,164,409,815
96$1,422,526,140$149,954,339$75,062,970$1,281,585,119
97$1,567,488,591$157,166,886$77,442,364$1,410,642,240
98$1,727,232,953$164,728,589$79,897,208$1,552,789,943
99$1,903,266,845$172,656,421$82,429,896$1,709,360,142
100$2,097,251,663$180,968,185$85,042,898$1,881,820,451