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%14.7%
1 years$1,519,455$1,505,920$1,492,716$1,479,827$1,467,242$1,438,794
2 years$752,205$738,196$724,619$711,455$698,687$670,142
3 years$496,489$482,419$468,877$455,836$443,275$415,523
4 years$368,656$354,629$341,222$328,404$316,148$289,402
5 years$291,976$278,034$264,802$252,246$240,331$214,667
6 years$240,873$227,035$214,000$201,723$190,165$165,613
7 years$204,385$190,664$177,835$165,848$154,655$131,220
8 years$177,031$163,434$150,818$139,126$128,302$105,976
9 years$155,768$142,299$129,899$118,504$108,048$86,819
10 years$138,767$125,430$113,249$102,152$92,063$71,909
11 years$124,866$111,663$99,703$88,903$79,177$60,076
12 years$113,290$100,222$88,484$77,980$68,613$50,537
13 years$103,503$90,572$79,054$68,844$59,832$42,751
14 years$95,121$82,327$71,031$61,112$52,448$36,331
15 years$87,863$75,207$64,131$54,501$46,180$30,992
16 years$81,519$69,001$58,144$48,800$40,814$26,522
17 years$75,927$63,548$52,909$43,846$36,188$22,757
18 years$70,962$58,721$48,299$39,514$32,177$19,571
19 years$66,524$54,422$44,216$35,705$28,680$16,863
20 years$62,536$50,571$40,579$32,337$25,617$14,553
21 years$58,932$47,105$37,325$29,348$22,925$12,577
22 years$55,660$43,971$34,400$26,684$20,549$10,882
23 years$52,677$41,125$31,763$24,302$18,446$9,425
24 years$49,946$38,532$29,375$22,165$16,580$8,171
25 years$47,438$36,160$27,207$20,242$14,919$7,088
26 years$45,127$33,985$25,233$18,508$13,439$6,154
27 years$42,990$31,984$23,431$16,941$12,116$5,345
28 years$41,010$30,138$21,783$15,522$10,932$4,645
29 years$39,169$28,432$20,270$14,234$9,872$4,038
30 years$37,454$26,851$18,881$13,063$8,920$3,512
31 years$35,854$25,383$17,602$11,997$8,064$3,055
32 years$34,356$24,017$16,423$11,026$7,295$2,659
33 years$32,952$22,745$15,335$10,139$6,602$2,314
34 years$31,633$21,557$14,328$9,329$5,977$2,015
35 years$30,392$20,446$13,395$8,588$5,414$1,755
36 years$29,223$19,407$12,531$7,909$4,905$1,528
37 years$28,120$18,432$11,729$7,287$4,446$1,331
38 years$27,078$17,517$10,984$6,717$4,030$1,160
39 years$26,091$16,657$10,290$6,193$3,655$1,010
40 years$25,156$15,848$9,645$5,712$3,315$880
41 years$24,269$15,085$9,044$5,270$3,008$767
42 years$23,426$14,367$8,484$4,864$2,729$668
43 years$22,625$13,689$7,961$4,490$2,477$582
44 years$21,862$13,048$7,473$4,146$2,248$508
45 years$21,135$12,443$7,017$3,829$2,041$442
46 years$20,442$11,870$6,590$3,537$1,853$386
47 years$19,780$11,327$6,191$3,267$1,683$336
48 years$19,148$10,813$5,818$3,019$1,528$293
49 years$18,543$10,326$5,469$2,790$1,388$255
50 years$17,965$9,864$5,141$2,579$1,261$223

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 $2,375 every year, while hoping to spend $39,721 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: 43/49/8 Blend
51$18,400,000$18,400,000$18,400,000$18,400,000
52$20,279,250$19,304,050$19,018,850$21,104,306
53$22,305,470$20,207,685$19,613,718$22,581,266
54$24,537,034$21,154,268$20,227,184$24,176,083
55$26,994,844$22,145,860$20,859,827$25,902,833
56$29,701,935$23,184,623$21,512,248$27,773,592
57$32,683,687$24,272,825$22,185,063$29,801,603
58$35,968,071$25,412,841$22,878,911$32,001,395
59$39,585,908$26,607,164$23,594,448$34,388,907
60$43,571,161$27,858,405$24,332,351$36,981,632
61$47,961,255$29,169,302$25,093,321$39,798,770
62$52,797,432$30,542,728$25,878,077$42,861,400
63$58,125,140$31,981,691$26,687,362$46,192,665
64$63,994,459$33,489,348$27,521,943$49,817,982
65$70,460,575$35,069,008$28,382,610$53,765,269
66$77,584,304$36,724,140$29,270,178$58,065,194
67$85,432,661$38,458,380$30,185,486$62,751,452
68$94,079,495$40,275,544$31,129,403$67,861,069
69$103,606,187$42,179,628$32,102,821$73,434,737
70$114,102,414$44,174,826$33,106,662$79,517,183
71$125,667,001$46,265,534$34,141,876$86,157,573
72$138,408,850$48,456,359$35,209,443$93,409,962
73$152,447,967$50,752,135$36,310,373$101,333,784
74$167,916,598$53,157,928$37,445,710$109,994,396
75$184,960,476$55,679,052$38,616,527$119,463,675
76$203,740,197$58,321,078$39,823,932$129,820,674
77$224,432,732$61,089,845$41,069,068$141,152,353
78$247,233,103$63,991,480$42,353,115$153,554,368
79$272,356,221$67,032,404$43,677,286$167,131,961
80$300,038,915$70,219,352$45,042,835$182,000,920
81$330,542,169$73,559,384$46,451,054$198,288,650
82$364,153,582$77,059,906$47,903,276$216,135,351
83$401,190,087$80,728,681$49,400,875$235,695,308
84$442,000,939$84,573,850$50,945,268$257,138,323
85$486,971,017$88,603,950$52,537,916$280,651,281
86$536,524,451$92,827,934$54,180,327$306,439,889
87$591,128,630$97,255,188$55,874,053$334,730,578
88$651,298,615$101,895,557$57,620,698$365,772,604
89$717,601,996$106,759,362$59,421,914$399,840,371
90$790,664,256$111,857,427$61,279,404$437,235,974
91$871,174,672$117,201,103$63,194,927$478,292,015
92$959,892,825$122,802,293$65,170,293$523,374,695
93$1,057,655,767$128,673,479$67,207,372$572,887,232
94$1,165,385,926$134,827,751$69,308,090$627,273,614
95$1,284,099,813$141,278,834$71,474,434$687,022,746
96$1,414,917,620$148,041,122$73,708,453$752,673,010
97$1,559,073,790$155,129,710$76,012,259$824,817,293
98$1,717,928,680$162,560,429$78,388,033$904,108,531
99$1,892,981,393$170,349,877$80,838,019$991,265,808
100$2,085,883,938$178,515,465$83,364,536$1,087,081,085