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%15%
1 years$1,535,971$1,522,289$1,508,941$1,495,912$1,483,190$1,452,650
2 years$760,381$746,220$732,495$719,188$706,281$675,651
3 years$501,886$487,663$473,973$460,791$448,094$418,330
4 years$372,663$358,484$344,931$331,974$319,584$290,915
5 years$295,150$281,056$267,681$254,988$242,943$215,451
6 years$243,491$229,503$216,326$203,916$192,232$165,946
7 years$206,606$192,736$179,768$167,650$156,336$131,262
8 years$178,956$165,211$152,457$140,638$129,696$105,826
9 years$157,461$143,846$131,311$119,792$109,223$86,540
10 years$140,275$126,793$114,480$103,262$93,063$71,546
11 years$126,223$112,876$100,787$89,869$80,038$59,659
12 years$114,521$101,312$89,446$78,827$69,359$50,088
13 years$104,628$91,556$79,914$69,593$60,482$42,287
14 years$96,155$83,222$71,803$61,776$53,018$35,864
15 years$88,818$76,025$64,828$55,094$46,682$30,530
16 years$82,405$69,751$58,776$49,330$41,257$26,072
17 years$76,752$64,238$53,484$44,323$36,582$22,323
18 years$71,733$59,359$48,824$39,944$32,527$19,155
19 years$67,248$55,013$44,696$36,093$28,992$16,468
20 years$63,216$51,121$41,020$32,689$25,896$14,180
21 years$59,572$47,617$37,730$29,667$23,174$12,227
22 years$56,265$44,449$34,774$26,974$20,772$10,555
23 years$53,249$41,572$32,108$24,566$18,646$9,120
24 years$50,489$38,951$29,694$22,406$16,760$7,888
25 years$47,954$36,553$27,503$20,462$15,081$6,827
26 years$45,617$34,354$25,508$18,710$13,585$5,912
27 years$43,457$32,331$23,686$17,125$12,248$5,123
28 years$41,455$30,466$22,019$15,690$11,051$4,441
29 years$39,595$28,741$20,491$14,388$9,979$3,851
30 years$37,862$27,143$19,086$13,205$9,017$3,341
31 years$36,243$25,659$17,794$12,128$8,152$2,900
32 years$34,729$24,278$16,602$11,146$7,374$2,517
33 years$33,310$22,992$15,501$10,249$6,673$2,186
34 years$31,977$21,791$14,483$9,430$6,042$1,898
35 years$30,723$20,669$13,541$8,681$5,473$1,649
36 years$29,541$19,618$12,667$7,995$4,958$1,432
37 years$28,426$18,632$11,856$7,366$4,494$1,244
38 years$27,372$17,707$11,103$6,790$4,074$1,081
39 years$26,374$16,838$10,402$6,261$3,695$940
40 years$25,429$16,020$9,750$5,774$3,351$817
41 years$24,532$15,249$9,142$5,328$3,040$710
42 years$23,681$14,523$8,576$4,917$2,759$617
43 years$22,871$13,837$8,047$4,539$2,504$536
44 years$22,099$13,190$7,554$4,191$2,273$466
45 years$21,365$12,578$7,093$3,870$2,063$405
46 years$20,664$11,999$6,662$3,575$1,873$352
47 years$19,995$11,450$6,259$3,303$1,701$306
48 years$19,356$10,931$5,881$3,052$1,545$266
49 years$18,745$10,439$5,528$2,821$1,403$231
50 years$18,160$9,971$5,197$2,607$1,274$201

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 $5,808 every year, while hoping to spend $20,986 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: 45/33/22 Blend
51$18,600,000$18,600,000$18,600,000$18,600,000
52$20,503,191$19,517,391$19,229,091$21,295,570
53$22,572,187$20,451,414$19,850,937$22,788,272
54$24,851,518$21,430,501$20,492,911$24,403,537
55$27,362,615$22,456,838$21,155,665$26,154,818
56$30,129,096$23,532,717$21,839,874$28,054,773
57$33,176,986$24,660,542$22,546,232$30,117,299
58$36,534,964$25,842,834$23,275,456$32,357,653
59$40,234,634$27,082,237$24,028,288$34,792,593
60$44,310,824$28,381,524$24,805,493$37,440,521
61$48,801,911$29,743,601$25,607,860$40,321,657
62$53,750,188$31,171,520$26,436,205$43,458,213
63$59,202,259$32,668,476$27,291,370$46,874,600
64$65,209,482$34,237,824$28,174,223$50,597,644
65$71,828,453$35,883,081$29,085,663$54,656,833
66$79,121,538$37,607,935$30,026,616$59,084,581
67$87,157,465$39,416,254$30,998,038$63,916,529
68$96,011,971$41,312,095$32,000,916$69,191,862
69$105,768,516$43,299,712$33,036,272$74,953,672
70$116,519,074$45,383,567$34,105,156$81,249,355
71$128,364,997$47,568,340$35,208,656$88,131,036
72$141,417,976$49,858,937$36,347,895$95,656,058
73$155,801,090$52,260,505$37,524,030$103,887,501
74$171,649,973$54,778,442$38,738,257$112,894,767
75$189,114,094$57,418,409$39,991,812$122,754,216
76$208,358,164$60,186,343$41,285,970$133,549,875
77$229,563,693$63,088,471$42,622,046$145,374,210
78$252,930,705$66,131,322$44,001,401$158,328,982
79$278,679,626$69,321,745$45,425,437$172,526,189
80$307,053,361$72,666,924$46,895,602$188,089,106
81$338,319,592$76,174,392$48,413,393$205,153,423
82$372,773,303$79,852,049$49,980,354$223,868,509
83$410,739,563$83,708,183$51,598,079$244,398,798
84$452,576,598$87,751,483$53,268,214$266,925,315
85$498,679,172$91,991,066$54,992,460$291,647,367
86$549,482,310$96,436,491$56,772,570$318,784,392
87$605,465,411$101,097,785$58,610,356$348,578,005
88$667,156,769$105,985,462$60,507,690$381,294,254
89$735,138,563$111,110,554$62,466,501$417,226,098
90$810,052,352$116,484,627$64,488,784$456,696,144
91$892,605,132$122,119,813$66,576,598$500,059,660
92$983,576,009$128,028,838$68,732,068$547,707,894
93$1,083,823,559$134,225,047$70,957,389$600,071,730
94$1,194,293,926$140,722,439$73,254,826$657,625,725
95$1,316,029,763$147,535,695$75,626,719$720,892,542
96$1,450,180,067$154,680,212$78,075,482$790,447,850
97$1,598,011,033$162,172,142$80,603,610$866,925,714
98$1,760,918,005$170,028,423$83,213,678$951,024,532
99$1,940,438,648$178,266,822$85,908,342$1,043,513,589
100$2,138,267,467$186,905,974$88,690,349$1,145,240,263