Can I retire at age 52 with 18,500,000?

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 $18,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$1,527,713$1,514,105$1,500,828$1,487,869$1,475,216$1,435,478
2 years$756,293$742,208$728,557$715,322$702,484$662,732
3 years$499,187$485,041$471,425$458,314$445,685$407,164
4 years$370,659$356,557$343,077$330,189$317,866$280,872
5 years$293,563$279,545$266,242$253,617$241,637$206,271
6 years$242,182$228,269$215,163$202,820$191,199$157,495
7 years$205,496$191,700$178,801$166,749$155,496$123,456
8 years$177,994$164,322$151,638$139,882$128,999$98,607
9 years$156,614$143,072$130,605$119,148$108,636$79,864
10 years$139,521$126,111$113,865$102,707$92,563$65,374
11 years$125,544$112,269$100,245$89,386$79,607$53,960
12 years$113,906$100,767$88,965$78,403$68,986$44,832
13 years$104,065$91,064$79,484$69,218$60,157$37,447
14 years$95,638$82,775$71,417$61,444$52,733$31,413
15 years$88,341$75,616$64,480$54,798$46,431$26,444
16 years$81,962$69,376$58,460$49,065$41,036$22,327
17 years$76,340$63,893$53,197$44,085$36,385$18,896
18 years$71,347$59,040$48,562$39,729$32,352$16,025
19 years$66,886$54,718$44,456$35,899$28,836$13,613
20 years$62,876$50,846$40,799$32,513$25,757$11,581
21 years$59,252$47,361$37,528$29,508$23,049$9,864
22 years$55,962$44,210$34,587$26,829$20,660$8,410
23 years$52,963$41,349$31,935$24,434$18,546$7,177
24 years$50,218$38,741$29,535$22,285$16,670$6,129
25 years$47,696$36,357$27,355$20,352$15,000$5,237
26 years$45,372$34,169$25,371$18,609$13,512$4,477
27 years$43,224$32,157$23,559$17,033$12,182$3,830
28 years$41,232$30,302$21,901$15,606$10,992$3,277
29 years$39,382$28,586$20,381$14,311$9,925$2,805
30 years$37,658$26,997$18,984$13,134$8,968$2,402
31 years$36,048$25,521$17,698$12,063$8,108$2,057
32 years$34,543$24,148$16,513$11,086$7,334$1,762
33 years$33,131$22,868$15,418$10,194$6,638$1,509
34 years$31,805$21,674$14,406$9,380$6,010$1,293
35 years$30,558$20,557$13,468$8,635$5,443$1,108
36 years$29,382$19,512$12,599$7,952$4,932$950
37 years$28,273$18,532$11,793$7,327$4,470$814
38 years$27,225$17,612$11,043$6,753$4,052$698
39 years$26,233$16,747$10,346$6,227$3,675$598
40 years$25,292$15,934$9,698$5,743$3,333$513
41 years$24,400$15,167$9,093$5,299$3,024$440
42 years$23,553$14,445$8,530$4,890$2,744$377
43 years$22,748$13,763$8,004$4,514$2,490$323
44 years$21,981$13,119$7,513$4,168$2,260$277
45 years$21,250$12,510$7,055$3,850$2,052$238
46 years$20,553$11,934$6,626$3,556$1,863$204
47 years$19,888$11,389$6,225$3,285$1,692$175
48 years$19,252$10,872$5,850$3,036$1,536$150
49 years$18,644$10,382$5,498$2,805$1,395$129
50 years$18,062$9,918$5,169$2,593$1,267$110

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $18,500,000, adding $5,734 every year, while hoping to spend $31,865 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: 55/29/16 Blend
51$18,500,000$18,500,000$18,500,000$18,500,000
52$20,392,915$19,412,415$19,125,665$21,427,769
53$22,439,088$20,329,719$19,732,470$23,050,362
54$24,692,903$21,290,903$20,358,536$24,812,408
55$27,175,505$22,298,083$21,004,473$26,730,403
56$29,910,196$23,353,480$21,670,913$28,819,250
57$32,922,654$24,459,418$22,358,506$31,095,327
58$36,241,174$25,618,338$23,067,925$33,576,638
59$39,896,935$26,832,798$23,799,862$36,282,974
60$43,924,298$28,105,481$24,555,033$39,236,093
61$48,361,125$29,439,198$25,334,175$42,459,923
62$53,249,139$30,836,898$26,138,050$45,980,775
63$58,634,319$32,301,674$26,967,442$49,827,588
64$64,567,331$33,836,767$27,823,163$54,032,189
65$71,104,008$35,445,578$28,706,048$58,629,593
66$78,305,877$37,131,671$29,616,960$63,658,318
67$86,240,738$38,898,785$30,556,790$69,160,742
68$94,983,306$40,750,838$31,526,455$75,183,494
69$104,615,915$42,691,941$32,526,904$81,777,884
70$115,229,297$44,726,404$33,559,113$89,000,378
71$126,923,433$46,858,747$34,624,092$96,913,116
72$139,808,506$49,093,708$35,722,881$105,584,493
73$154,005,930$51,436,256$36,856,555$115,089,788
74$169,649,506$53,891,604$38,026,220$125,511,867
75$186,886,679$56,465,215$39,233,021$136,941,947
76$205,879,930$59,162,820$40,478,137$149,480,447
77$226,808,313$61,990,429$41,762,785$163,237,922
78$249,869,143$64,954,342$43,088,221$178,336,087
79$275,279,859$68,061,168$44,455,739$194,908,957
80$303,280,075$71,317,836$45,866,678$213,104,094
81$334,133,847$74,731,614$47,322,415$233,083,977
82$368,132,158$78,310,122$48,824,375$255,027,528
83$405,595,672$82,061,352$50,374,025$279,131,774
84$446,877,756$85,993,683$51,972,880$305,613,692
85$492,367,819$90,115,906$53,622,504$334,712,234
86$542,494,988$94,437,236$55,324,509$366,690,564
87$597,732,156$98,967,340$57,080,559$401,838,520
88$658,600,449$103,716,353$58,892,371$440,475,323
89$725,674,146$108,694,906$60,761,717$482,952,570
90$799,586,098$113,914,146$62,690,424$529,657,527
91$881,033,705$119,385,764$64,680,378$581,016,756
92$970,785,498$125,122,021$66,733,525$637,500,115
93$1,069,688,393$131,135,774$68,851,873$699,625,165
94$1,178,675,691$137,440,509$71,037,493$767,962,023
95$1,298,775,885$144,050,367$73,292,522$843,138,715
96$1,431,122,369$150,980,180$75,619,166$925,847,069
97$1,576,964,142$158,245,500$78,019,699$1,016,849,210
98$1,737,677,596$165,862,641$80,496,470$1,116,984,720
99$1,914,779,510$173,848,709$83,051,901$1,227,178,524
100$2,109,941,371$182,221,647$85,688,491$1,348,449,583