Can I retire at age 52 with 18,600,000?

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 $18,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$1,535,971$1,522,289$1,508,941$1,495,912$1,483,190$1,465,872
2 years$760,381$746,220$732,495$719,188$706,281$688,850
3 years$501,886$487,663$473,973$460,791$448,094$431,090
4 years$372,663$358,484$344,931$331,974$319,584$303,140
5 years$295,150$281,056$267,681$254,988$242,943$227,105
6 years$243,491$229,503$216,326$203,916$192,232$177,021
7 years$206,606$192,736$179,768$167,650$156,336$141,757
8 years$178,956$165,211$152,457$140,638$129,696$115,748
9 years$157,461$143,846$131,311$119,792$109,223$95,900
10 years$140,275$126,793$114,480$103,262$93,063$80,357
11 years$126,223$112,876$100,787$89,869$80,038$67,937
12 years$114,521$101,312$89,446$78,827$69,359$57,851
13 years$104,628$91,556$79,914$69,593$60,482$49,553
14 years$96,155$83,222$71,803$61,776$53,018$42,652
15 years$88,818$76,025$64,828$55,094$46,682$36,861
16 years$82,405$69,751$58,776$49,330$41,257$31,965
17 years$76,752$64,238$53,484$44,323$36,582$27,801
18 years$71,733$59,359$48,824$39,944$32,527$24,239
19 years$67,248$55,013$44,696$36,093$28,992$21,178
20 years$63,216$51,121$41,020$32,689$25,896$18,537
21 years$59,572$47,617$37,730$29,667$23,174$16,251
22 years$56,265$44,449$34,774$26,974$20,772$14,267
23 years$53,249$41,572$32,108$24,566$18,646$12,540
24 years$50,489$38,951$29,694$22,406$16,760$11,033
25 years$47,954$36,553$27,503$20,462$15,081$9,716
26 years$45,617$34,354$25,508$18,710$13,585$8,564
27 years$43,457$32,331$23,686$17,125$12,248$7,553
28 years$41,455$30,466$22,019$15,690$11,051$6,665
29 years$39,595$28,741$20,491$14,388$9,979$5,885
30 years$37,862$27,143$19,086$13,205$9,017$5,199
31 years$36,243$25,659$17,794$12,128$8,152$4,594
32 years$34,729$24,278$16,602$11,146$7,374$4,062
33 years$33,310$22,992$15,501$10,249$6,673$3,592
34 years$31,977$21,791$14,483$9,430$6,042$3,178
35 years$30,723$20,669$13,541$8,681$5,473$2,812
36 years$29,541$19,618$12,667$7,995$4,958$2,488
37 years$28,426$18,632$11,856$7,366$4,494$2,203
38 years$27,372$17,707$11,103$6,790$4,074$1,950
39 years$26,374$16,838$10,402$6,261$3,695$1,727
40 years$25,429$16,020$9,750$5,774$3,351$1,529
41 years$24,532$15,249$9,142$5,328$3,040$1,354
42 years$23,681$14,523$8,576$4,917$2,759$1,200
43 years$22,871$13,837$8,047$4,539$2,504$1,063
44 years$22,099$13,190$7,554$4,191$2,273$942
45 years$21,365$12,578$7,093$3,870$2,063$834
46 years$20,664$11,999$6,662$3,575$1,873$739
47 years$19,995$11,450$6,259$3,303$1,701$655
48 years$19,356$10,931$5,881$3,052$1,545$581
49 years$18,745$10,439$5,528$2,821$1,403$514
50 years$18,160$9,971$5,197$2,607$1,274$456

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $18,600,000, adding $3,813 every year, while hoping to spend $23,204 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: 58/27/15 Blend
51$18,600,000$18,600,000$18,600,000$18,600,000
52$20,501,133$19,515,333$19,227,033$21,611,198
53$22,567,560$20,446,896$19,846,450$23,294,063
54$24,843,984$21,423,327$20,485,839$25,124,799
55$27,351,802$22,446,801$21,145,846$27,119,954
56$30,114,590$23,519,598$21,827,136$29,295,346
57$33,158,328$24,644,109$22,530,395$31,668,366
58$36,511,647$25,822,840$23,256,333$34,258,132
59$40,206,097$27,058,421$24,005,682$37,085,668
60$44,276,444$28,353,608$24,779,197$40,174,094
61$48,760,999$29,711,294$25,577,659$43,548,836
62$53,701,983$31,134,509$26,401,872$47,237,864
63$59,145,919$32,626,434$27,252,669$51,271,942
64$65,144,077$34,190,402$28,130,907$55,684,918
65$71,752,952$35,829,911$29,037,472$60,514,030
66$79,034,804$37,548,628$29,973,278$65,800,251
67$87,058,241$39,350,398$30,939,270$71,588,670
68$95,898,869$41,239,254$31,936,422$77,928,902
69$105,640,002$43,219,426$32,965,741$84,875,555
70$116,373,453$45,295,349$34,028,264$92,488,727
71$128,200,398$47,471,674$35,125,064$100,834,572
72$141,232,333$49,753,281$36,257,248$109,985,905
73$155,592,123$52,145,284$37,425,958$120,022,883
74$171,415,166$54,653,049$38,632,374$131,033,750
75$188,850,667$57,282,203$39,877,713$143,115,655
76$208,063,051$60,038,646$41,163,232$156,375,556
77$229,233,511$62,928,569$42,490,229$170,931,221
78$252,561,721$65,958,460$43,860,043$186,912,318
79$278,267,720$69,135,128$45,274,058$204,461,630
80$306,593,988$72,465,710$46,733,700$223,736,384
81$337,807,739$75,957,695$48,240,443$244,909,722
82$372,203,440$79,618,933$49,795,809$268,172,315
83$410,105,590$83,457,660$51,401,368$293,734,146
84$451,871,788$87,482,513$53,058,742$321,826,474
85$497,896,104$91,702,549$54,769,603$352,704,001
86$548,612,802$96,127,270$56,535,680$386,647,248
87$604,500,439$100,766,637$58,358,757$423,965,188
88$666,086,382$105,631,101$60,240,674$464,998,139
89$733,951,790$110,731,621$62,183,333$510,120,951
90$808,737,093$116,079,692$64,188,695$559,746,525
91$891,148,047$121,687,367$66,258,787$614,329,678
92$981,962,392$127,567,292$68,395,700$674,371,416
93$1,082,037,193$133,732,726$70,601,593$740,423,632
94$1,192,316,934$140,197,577$72,878,694$813,094,288
95$1,313,842,436$146,976,433$75,229,305$893,053,120
96$1,447,760,677$154,084,591$77,655,800$981,037,936
97$1,595,335,628$161,538,098$80,160,631$1,077,861,539
98$1,757,960,180$169,353,783$82,746,330$1,184,419,368
99$1,937,169,297$177,549,297$85,415,510$1,301,697,915
100$2,134,654,504$186,143,151$88,170,869$1,430,783,997