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%14.8%
1 years$1,527,713$1,514,105$1,500,828$1,487,869$1,475,216$1,446,022
2 years$756,293$742,208$728,557$715,322$702,484$673,195
3 years$499,187$485,041$471,425$458,314$445,685$417,213
4 years$370,659$356,557$343,077$330,189$317,866$290,432
5 years$293,563$279,545$266,242$253,617$241,637$215,319
6 years$242,182$228,269$215,163$202,820$191,199$166,025
7 years$205,496$191,700$178,801$166,749$155,496$131,472
8 years$177,994$164,322$151,638$139,882$128,999$106,118
9 years$156,614$143,072$130,605$119,148$108,636$86,884
10 years$139,521$126,111$113,865$102,707$92,563$71,918
11 years$125,544$112,269$100,245$89,386$79,607$60,045
12 years$113,906$100,767$88,965$78,403$68,986$50,478
13 years$104,065$91,064$79,484$69,218$60,157$42,673
14 years$95,638$82,775$71,417$61,444$52,733$36,240
15 years$88,341$75,616$64,480$54,798$46,431$30,894
16 years$81,962$69,376$58,460$49,065$41,036$26,419
17 years$76,340$63,893$53,197$44,085$36,385$22,653
18 years$71,347$59,040$48,562$39,729$32,352$19,467
19 years$66,886$54,718$44,456$35,899$28,836$16,760
20 years$62,876$50,846$40,799$32,513$25,757$14,454
21 years$59,252$47,361$37,528$29,508$23,049$12,482
22 years$55,962$44,210$34,587$26,829$20,660$10,791
23 years$52,963$41,349$31,935$24,434$18,546$9,340
24 years$50,218$38,741$29,535$22,285$16,670$8,090
25 years$47,696$36,357$27,355$20,352$15,000$7,013
26 years$45,372$34,169$25,371$18,609$13,512$6,083
27 years$43,224$32,157$23,559$17,033$12,182$5,279
28 years$41,232$30,302$21,901$15,606$10,992$4,584
29 years$39,382$28,586$20,381$14,311$9,925$3,982
30 years$37,658$26,997$18,984$13,134$8,968$3,461
31 years$36,048$25,521$17,698$12,063$8,108$3,008
32 years$34,543$24,148$16,513$11,086$7,334$2,616
33 years$33,131$22,868$15,418$10,194$6,638$2,275
34 years$31,805$21,674$14,406$9,380$6,010$1,979
35 years$30,558$20,557$13,468$8,635$5,443$1,722
36 years$29,382$19,512$12,599$7,952$4,932$1,498
37 years$28,273$18,532$11,793$7,327$4,470$1,304
38 years$27,225$17,612$11,043$6,753$4,052$1,135
39 years$26,233$16,747$10,346$6,227$3,675$988
40 years$25,292$15,934$9,698$5,743$3,333$860
41 years$24,400$15,167$9,093$5,299$3,024$749
42 years$23,553$14,445$8,530$4,890$2,744$652
43 years$22,748$13,763$8,004$4,514$2,490$568
44 years$21,981$13,119$7,513$4,168$2,260$494
45 years$21,250$12,510$7,055$3,850$2,052$430
46 years$20,553$11,934$6,626$3,556$1,863$375
47 years$19,888$11,389$6,225$3,285$1,692$326
48 years$19,252$10,872$5,850$3,036$1,536$284
49 years$18,644$10,382$5,498$2,805$1,395$248
50 years$18,062$9,918$5,169$2,593$1,267$216

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 $6,310 every year, while hoping to spend $57,151 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: 51/29/20 Blend
51$18,500,000$18,500,000$18,500,000$18,500,000
52$20,393,509$19,413,009$19,126,259$21,320,114
53$22,412,838$20,303,438$19,706,180$22,850,675
54$24,636,224$21,235,583$20,303,614$24,507,459
55$27,084,420$22,211,427$20,919,085$26,307,617
56$29,780,293$23,233,049$21,553,137$28,264,747
57$32,749,043$24,302,629$22,206,327$30,393,788
58$36,018,437$25,422,450$22,879,231$32,711,161
59$39,619,073$26,594,905$23,572,440$35,234,913
60$43,584,666$27,822,503$24,286,565$37,984,881
61$47,952,370$29,107,873$25,022,233$40,982,876
62$52,763,125$30,453,772$25,780,091$44,252,881
63$58,062,045$31,863,088$26,560,805$47,821,266
64$63,898,842$33,338,848$27,365,061$51,717,034
65$70,328,299$34,884,226$28,193,565$55,972,085
66$77,410,781$36,502,549$29,047,045$60,621,509
67$85,212,809$38,197,303$29,926,250$65,703,907
68$93,807,688$39,972,143$30,831,951$71,261,748
69$103,276,194$41,830,900$31,764,944$77,341,763
70$113,707,342$43,777,590$32,726,045$83,995,368
71$125,199,221$45,816,422$33,716,098$91,279,148
72$137,859,925$47,951,810$34,735,970$99,255,374
73$151,808,567$50,188,379$35,786,555$107,992,585
74$167,176,410$52,530,978$36,868,773$117,566,216
75$184,108,098$54,984,690$37,983,572$128,059,304
76$202,763,029$57,554,845$39,131,926$139,563,256
77$223,316,854$60,247,028$40,314,842$152,178,700
78$245,963,136$63,067,096$41,533,353$166,016,417
79$270,915,181$66,021,189$42,788,525$181,198,377
80$298,408,044$69,115,741$44,081,455$197,858,871
81$328,700,753$72,357,502$45,413,273$216,145,765
82$362,078,755$75,753,544$46,785,142$236,221,878
83$398,856,604$79,311,284$48,198,260$258,266,499
84$439,380,937$83,038,496$49,653,861$282,477,067
85$484,033,742$86,943,332$51,153,215$309,071,008
86$533,235,965$91,034,337$52,697,630$338,287,774
87$587,451,485$95,320,471$54,288,452$370,391,077
88$647,191,490$99,811,127$55,927,068$405,671,360
89$713,019,303$104,516,154$57,614,906$444,448,514
90$785,555,704$109,445,877$59,353,437$487,074,874
91$865,484,783$114,611,122$61,144,175$533,938,519
92$953,560,403$120,023,240$62,988,677$585,466,912
93$1,050,613,317$125,694,131$64,888,550$642,130,904
94$1,157,559,004$131,636,272$66,845,446$704,449,152
95$1,275,406,321$137,862,748$68,861,066$772,992,984
96$1,405,267,017$144,387,274$70,937,163$848,391,761
97$1,548,366,235$151,224,233$73,075,541$931,338,788
98$1,706,054,076$158,388,705$75,278,057$1,022,597,820
99$1,879,818,343$165,896,503$77,546,623$1,123,010,237
100$2,071,298,588$173,764,206$79,883,209$1,233,502,952