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

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 $18,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$1,535,971$1,522,289$1,508,941$1,495,912$1,483,190$1,427,728
2 years$760,381$746,220$732,495$719,188$706,281$651,039
3 years$501,886$487,663$473,973$460,791$448,094$394,809
4 years$372,663$358,484$344,931$331,974$319,584$268,664
5 years$295,150$281,056$267,681$254,988$242,943$194,518
6 years$243,491$229,503$216,326$203,916$192,232$146,337
7 years$206,606$192,736$179,768$167,650$156,336$112,959
8 years$178,956$165,211$152,457$140,638$129,696$88,796
9 years$157,461$143,846$131,311$119,792$109,223$70,743
10 years$140,275$126,793$114,480$103,262$93,063$56,933
11 years$126,223$112,876$100,787$89,869$80,038$46,179
12 years$114,521$101,312$89,446$78,827$69,359$37,687
13 years$104,628$91,556$79,914$69,593$60,482$30,906
14 years$96,155$83,222$71,803$61,776$53,018$25,445
15 years$88,818$76,025$64,828$55,094$46,682$21,014
16 years$82,405$69,751$58,776$49,330$41,257$17,400
17 years$76,752$64,238$53,484$44,323$36,582$14,438
18 years$71,733$59,359$48,824$39,944$32,527$12,000
19 years$67,248$55,013$44,696$36,093$28,992$9,988
20 years$63,216$51,121$41,020$32,689$25,896$8,324
21 years$59,572$47,617$37,730$29,667$23,174$6,943
22 years$56,265$44,449$34,774$26,974$20,772$5,796
23 years$53,249$41,572$32,108$24,566$18,646$4,842
24 years$50,489$38,951$29,694$22,406$16,760$4,047
25 years$47,954$36,553$27,503$20,462$15,081$3,384
26 years$45,617$34,354$25,508$18,710$13,585$2,831
27 years$43,457$32,331$23,686$17,125$12,248$2,369
28 years$41,455$30,466$22,019$15,690$11,051$1,983
29 years$39,595$28,741$20,491$14,388$9,979$1,661
30 years$37,862$27,143$19,086$13,205$9,017$1,391
31 years$36,243$25,659$17,794$12,128$8,152$1,165
32 years$34,729$24,278$16,602$11,146$7,374$976
33 years$33,310$22,992$15,501$10,249$6,673$817
34 years$31,977$21,791$14,483$9,430$6,042$685
35 years$30,723$20,669$13,541$8,681$5,473$574
36 years$29,541$19,618$12,667$7,995$4,958$481
37 years$28,426$18,632$11,856$7,366$4,494$403
38 years$27,372$17,707$11,103$6,790$4,074$338
39 years$26,374$16,838$10,402$6,261$3,695$283
40 years$25,429$16,020$9,750$5,774$3,351$237
41 years$24,532$15,249$9,142$5,328$3,040$199
42 years$23,681$14,523$8,576$4,917$2,759$167
43 years$22,871$13,837$8,047$4,539$2,504$140
44 years$22,099$13,190$7,554$4,191$2,273$117
45 years$21,365$12,578$7,093$3,870$2,063$98
46 years$20,664$11,999$6,662$3,575$1,873$82
47 years$19,995$11,450$6,259$3,303$1,701$69
48 years$19,356$10,931$5,881$3,052$1,545$58
49 years$18,745$10,439$5,528$2,821$1,403$48
50 years$18,160$9,971$5,197$2,607$1,274$41

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 $3,227 every year, while hoping to spend $41,750 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: 79/16/5 Blend
51$18,600,000$18,600,000$18,600,000$18,600,000
52$20,500,529$19,514,729$19,226,429$22,115,928
53$22,547,161$20,426,529$19,826,092$24,086,011
54$24,801,150$21,381,608$20,444,445$26,240,669
55$27,283,603$22,382,042$21,082,070$28,602,836
56$30,017,778$23,430,009$21,739,566$31,193,154
57$33,029,302$24,527,791$22,417,553$34,034,352
58$36,346,418$25,677,779$23,116,668$37,151,450
59$40,000,246$26,882,484$23,837,569$40,571,997
60$44,025,078$28,144,533$24,580,935$44,326,324
61$48,458,705$29,466,684$25,347,466$48,447,827
62$53,342,769$30,851,827$26,137,882$52,973,284
63$58,723,157$32,302,992$26,952,926$57,943,190
64$64,650,437$33,823,357$27,793,367$63,402,141
65$71,180,331$35,416,251$28,659,995$69,399,248
66$78,374,244$37,085,167$29,553,624$75,988,597
67$86,299,843$38,833,765$30,475,096$83,229,755
68$95,031,692$40,665,885$31,425,276$91,188,326
69$104,651,961$42,585,550$32,405,060$99,936,568
70$115,251,200$44,596,981$33,415,368$109,554,067
71$126,929,190$46,704,601$34,457,151$120,128,482
72$139,795,890$48,913,049$35,531,388$131,756,371
73$153,972,471$51,227,188$36,639,090$144,544,092
74$169,592,462$53,652,119$37,781,298$158,608,802
75$186,803,007$56,193,187$38,959,085$174,079,555
76$205,766,260$58,855,999$40,173,561$191,098,517
77$226,660,908$61,646,433$41,425,865$209,822,297
78$249,683,866$64,570,653$42,717,176$230,423,419
79$275,052,127$67,635,121$44,048,708$253,091,940
80$303,004,816$70,846,615$45,421,712$278,037,242
81$333,805,447$74,212,239$46,837,479$305,489,992
82$367,744,407$77,739,443$48,297,340$335,704,317
83$405,141,702$81,436,041$49,802,666$368,960,189
84$446,349,973$85,310,225$51,354,873$405,566,058
85$491,757,828$89,370,583$52,955,419$445,861,757
86$541,793,509$93,626,125$54,605,808$490,221,694
87$596,928,936$98,086,293$56,307,591$539,058,379
88$657,684,159$102,760,994$58,062,368$592,826,303
89$724,632,272$107,660,611$59,871,786$652,026,219
90$798,404,819$112,796,037$61,737,546$717,209,851
91$879,697,758$118,178,689$63,661,401$788,985,094
92$969,278,029$123,820,545$65,645,157$868,021,736
93$1,067,990,798$129,734,161$67,690,680$955,057,764
94$1,176,767,431$135,932,707$69,799,889$1,050,906,318
95$1,296,634,290$142,429,990$71,974,766$1,156,463,349
96$1,428,722,420$149,240,493$74,217,354$1,272,716,058
97$1,574,278,231$156,379,401$76,529,759$1,400,752,201
98$1,734,675,256$163,862,637$78,914,152$1,541,770,337
99$1,911,427,129$171,706,903$81,372,773$1,697,091,123
100$2,106,201,865$179,929,711$83,907,930$1,868,169,758