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

Use the below retirement simulation to view the chances of a successful retirement.
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%11.4%
1 years$1,527,713$1,514,105$1,500,828$1,487,869$1,475,216$1,466,534
2 years$756,293$742,208$728,557$715,322$702,484$693,725
3 years$499,187$485,041$471,425$458,314$445,685$437,119
4 years$370,659$356,557$343,077$330,189$317,866$309,561
5 years$293,563$279,545$266,242$253,617$241,637$233,616
6 years$242,182$228,269$215,163$202,820$191,199$183,473
7 years$205,496$191,700$178,801$166,749$155,496$148,069
8 years$177,994$164,322$151,638$139,882$128,999$121,871
9 years$156,614$143,072$130,605$119,148$108,636$101,805
10 years$139,521$126,111$113,865$102,707$92,563$86,026
11 years$125,544$112,269$100,245$89,386$79,607$73,360
12 years$113,906$100,767$88,965$78,403$68,986$63,023
13 years$104,065$91,064$79,484$69,218$60,157$54,472
14 years$95,638$82,775$71,417$61,444$52,733$47,320
15 years$88,341$75,616$64,480$54,798$46,431$41,282
16 years$81,962$69,376$58,460$49,065$41,036$36,144
17 years$76,340$63,893$53,197$44,085$36,385$31,743
18 years$71,347$59,040$48,562$39,729$32,352$27,951
19 years$66,886$54,718$44,456$35,899$28,836$24,669
20 years$62,876$50,846$40,799$32,513$25,757$21,815
21 years$59,252$47,361$37,528$29,508$23,049$19,325
22 years$55,962$44,210$34,587$26,829$20,660$17,144
23 years$52,963$41,349$31,935$24,434$18,546$15,230
24 years$50,218$38,741$29,535$22,285$16,670$13,545
25 years$47,696$36,357$27,355$20,352$15,000$12,059
26 years$45,372$34,169$25,371$18,609$13,512$10,746
27 years$43,224$32,157$23,559$17,033$12,182$9,583
28 years$41,232$30,302$21,901$15,606$10,992$8,552
29 years$39,382$28,586$20,381$14,311$9,925$7,637
30 years$37,658$26,997$18,984$13,134$8,968$6,824
31 years$36,048$25,521$17,698$12,063$8,108$6,100
32 years$34,543$24,148$16,513$11,086$7,334$5,455
33 years$33,131$22,868$15,418$10,194$6,638$4,881
34 years$31,805$21,674$14,406$9,380$6,010$4,368
35 years$30,558$20,557$13,468$8,635$5,443$3,911
36 years$29,382$19,512$12,599$7,952$4,932$3,502
37 years$28,273$18,532$11,793$7,327$4,470$3,137
38 years$27,225$17,612$11,043$6,753$4,052$2,811
39 years$26,233$16,747$10,346$6,227$3,675$2,519
40 years$25,292$15,934$9,698$5,743$3,333$2,257
41 years$24,400$15,167$9,093$5,299$3,024$2,024
42 years$23,553$14,445$8,530$4,890$2,744$1,814
43 years$22,748$13,763$8,004$4,514$2,490$1,627
44 years$21,981$13,119$7,513$4,168$2,260$1,459
45 years$21,250$12,510$7,055$3,850$2,052$1,308
46 years$20,553$11,934$6,626$3,556$1,863$1,174
47 years$19,888$11,389$6,225$3,285$1,692$1,053
48 years$19,252$10,872$5,850$3,036$1,536$944
49 years$18,644$10,382$5,498$2,805$1,395$847
50 years$18,062$9,918$5,169$2,593$1,267$760

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 $2,309 every year, while hoping to spend $39,345 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: 58/34/8 Blend
51$18,500,000$18,500,000$18,500,000$18,500,000
52$20,389,382$19,408,882$19,122,132$21,535,280
53$22,427,236$20,318,054$19,720,860$23,215,036
54$24,671,633$21,270,457$20,338,328$25,040,405
55$27,143,597$22,268,168$20,975,120$27,028,986
56$29,866,300$23,313,364$21,631,842$29,196,416
57$32,865,270$24,408,326$22,309,117$31,559,878
58$36,168,643$25,555,450$23,007,587$34,138,261
59$39,807,420$26,757,242$23,727,917$36,952,331
60$43,815,763$28,016,334$24,470,789$40,024,917
61$48,231,320$29,335,483$25,236,909$43,381,123
62$53,095,573$30,717,580$26,027,004$47,048,555
63$58,454,237$32,165,656$26,841,823$51,057,576
64$64,357,686$33,682,890$27,682,142$55,441,580
65$70,861,432$35,272,614$28,548,755$60,237,302
66$78,026,647$36,938,321$29,442,488$65,485,156
67$85,920,740$38,683,675$30,364,187$71,229,604
68$94,617,996$40,512,515$31,314,727$77,519,566
69$104,200,271$42,428,868$32,295,010$84,408,874
70$114,757,773$44,436,956$33,305,967$91,956,768
71$126,389,906$46,541,207$34,348,557$100,228,441
72$139,206,212$48,746,262$35,423,769$109,295,645
73$153,327,403$51,056,987$36,532,623$119,237,356
74$168,886,505$53,478,485$37,676,172$130,140,504
75$186,030,105$56,016,108$38,855,501$142,100,782
76$204,919,744$58,675,465$40,071,728$155,223,532
77$225,733,435$61,462,440$41,326,008$169,624,728
78$248,667,346$64,383,201$42,619,531$185,432,052
79$273,937,653$67,444,215$43,953,523$202,786,082
80$301,782,578$70,652,266$45,329,250$221,841,605
81$332,464,639$74,014,465$46,748,017$242,769,055
82$366,273,127$77,538,269$48,211,171$265,756,109
83$403,526,840$81,231,498$49,720,099$291,009,431
84$444,577,088$85,102,351$51,276,233$318,756,610
85$489,811,012$89,159,427$52,881,047$349,248,278
86$539,655,238$93,411,743$54,536,066$382,760,461
87$594,579,907$97,868,752$56,242,858$419,597,155
88$655,103,106$102,540,370$58,003,043$460,093,171
89$721,795,767$107,436,992$59,818,289$504,617,273
90$795,287,052$112,569,522$61,690,318$553,575,626
91$876,270,294$117,949,391$63,620,906$607,415,606
92$965,509,541$123,588,588$65,611,884$666,629,990
93$1,063,846,771$129,499,686$67,665,139$731,761,576
94$1,172,209,839$135,695,868$69,782,619$803,408,276
95$1,291,621,238$142,190,960$71,966,331$882,228,724
96$1,423,207,747$148,999,461$74,218,347$968,948,455
97$1,568,211,077$156,136,574$76,540,801$1,064,366,719
98$1,727,999,585$163,618,244$78,935,896$1,169,363,986
99$1,904,081,196$171,461,192$81,405,902$1,284,910,212
100$2,098,117,640$179,682,952$83,953,162$1,412,073,957