Can I retire at age 52 with 18,700,000?

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 $18,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$1,544,229$1,530,473$1,517,053$1,503,955$1,491,164$1,468,275
2 years$764,470$750,232$736,434$723,055$710,078$687,073
3 years$504,584$490,285$476,521$463,268$450,503$428,097
4 years$374,667$360,411$346,785$333,759$321,302$299,669
5 years$296,736$282,567$269,120$256,359$244,249$223,451
6 years$244,800$230,737$217,489$205,012$193,266$173,327
7 years$207,717$193,773$180,734$168,552$157,177$138,104
8 years$179,918$166,099$153,277$141,394$130,393$112,183
9 years$158,307$144,619$132,017$120,436$109,810$92,453
10 years$141,029$127,475$115,096$103,817$93,564$77,046
11 years$126,902$113,483$101,328$90,352$80,468$64,774
12 years$115,137$101,856$89,926$79,251$69,732$54,841
13 years$105,190$92,048$80,343$69,967$60,807$46,699
14 years$96,672$83,669$72,189$62,109$53,303$39,954
15 years$89,296$76,434$65,177$55,390$46,933$34,319
16 years$82,848$70,126$59,092$49,596$41,479$29,576
17 years$77,165$64,584$53,772$44,561$36,778$25,559
18 years$72,119$59,678$49,087$40,159$32,702$22,141
19 years$67,609$55,309$44,936$36,287$29,148$19,218
20 years$63,555$51,396$41,240$32,865$26,035$16,710
21 years$59,893$47,873$37,933$29,827$23,299$14,551
22 years$56,567$44,688$34,961$27,119$20,884$12,687
23 years$53,535$41,796$32,281$24,698$18,747$11,074
24 years$50,760$39,160$29,854$22,526$16,850$9,676
25 years$48,211$36,750$27,651$20,572$15,162$8,461
26 years$45,862$34,539$25,645$18,810$13,658$7,404
27 years$43,691$32,505$23,813$17,217$12,314$6,483
28 years$41,678$30,629$22,138$15,775$11,111$5,680
29 years$39,808$28,895$20,601$14,466$10,033$4,978
30 years$38,065$27,288$19,189$13,276$9,065$4,366
31 years$36,438$25,797$17,889$12,193$8,196$3,830
32 years$34,916$24,409$16,691$11,206$7,414$3,360
33 years$33,489$23,116$15,585$10,305$6,709$2,950
34 years$32,149$21,908$14,561$9,481$6,075$2,590
35 years$30,888$20,780$13,614$8,728$5,502$2,274
36 years$29,700$19,723$12,735$8,038$4,985$1,997
37 years$28,579$18,732$11,920$7,406$4,518$1,755
38 years$27,519$17,802$11,163$6,826$4,096$1,542
39 years$26,516$16,928$10,458$6,294$3,714$1,355
40 years$25,566$16,106$9,802$5,806$3,369$1,190
41 years$24,664$15,331$9,192$5,356$3,057$1,046
42 years$23,808$14,601$8,622$4,943$2,774$920
43 years$22,993$13,912$8,091$4,563$2,517$808
44 years$22,218$13,261$7,594$4,213$2,285$711
45 years$21,480$12,645$7,131$3,891$2,074$625
46 years$20,775$12,063$6,698$3,594$1,883$549
47 years$20,103$11,512$6,292$3,321$1,710$483
48 years$19,460$10,990$5,913$3,068$1,553$425
49 years$18,846$10,495$5,558$2,836$1,410$373
50 years$18,258$10,025$5,225$2,621$1,281$328

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $18,700,000, adding $3,093 every year, while hoping to spend $59,454 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: 66/20/14 Blend
51$18,700,000$18,700,000$18,700,000$18,700,000
52$20,610,590$19,619,490$19,329,640$21,903,208
53$22,649,612$20,517,587$19,913,925$23,664,627
54$24,894,621$21,457,697$20,515,790$25,581,949
55$27,366,566$22,441,818$21,135,762$27,676,184
56$30,088,529$23,472,040$21,774,384$29,964,638
57$33,085,945$24,550,556$22,432,212$32,466,352
58$36,386,842$25,679,664$23,109,821$35,202,275
59$40,022,103$26,861,771$23,807,804$38,195,460
60$44,025,761$28,099,401$24,526,768$41,471,279
61$48,435,316$29,395,199$25,267,343$45,057,651
62$53,292,092$30,751,938$26,030,172$48,985,308
63$58,641,625$32,172,522$26,815,923$53,288,075
64$64,534,093$33,659,998$27,625,278$58,003,185
65$71,024,790$35,217,558$28,458,945$63,171,627
66$78,174,647$36,848,546$29,317,648$68,838,525
67$86,050,808$38,556,472$30,202,135$75,053,557
68$94,727,260$40,345,009$31,113,177$81,871,420
69$104,285,538$42,218,011$32,051,566$89,352,338
70$114,815,487$44,179,518$33,018,117$97,562,622
71$126,416,115$46,233,763$34,013,673$106,575,295
72$139,196,525$48,385,183$35,039,096$116,470,764
73$153,276,944$50,638,431$36,095,280$127,337,579
74$168,789,861$52,998,383$37,183,140$139,273,257
75$185,881,273$55,470,150$38,303,622$152,385,195
76$204,712,067$58,059,091$39,457,698$166,791,674
77$225,459,536$60,770,825$40,646,368$182,622,966
78$248,319,052$63,611,238$41,870,665$200,022,554
79$273,505,911$66,586,505$43,131,649$219,148,478
80$301,257,368$69,703,097$44,430,412$240,174,811
81$331,834,869$72,967,799$45,768,081$263,293,298
82$365,526,527$76,387,722$47,145,813$288,715,146
83$402,649,835$79,970,324$48,564,800$316,673,015
84$443,554,669$83,723,420$50,026,271$347,423,192
85$488,626,584$87,655,206$51,531,490$381,248,002
86$538,290,458$91,774,274$53,081,758$418,458,460
87$593,014,503$96,089,631$54,678,415$459,397,188
88$653,314,680$100,610,721$56,322,839$504,441,637
89$719,759,575$105,347,444$58,016,452$554,007,634
90$792,975,764$110,310,181$59,760,716$608,553,290
91$873,653,726$115,509,814$61,557,134$668,583,306
92$962,554,365$120,957,754$63,407,257$734,653,721
93$1,060,516,190$126,665,964$65,312,680$807,377,140
94$1,168,463,232$132,646,987$67,275,045$887,428,499
95$1,287,413,765$138,913,972$69,296,042$975,551,414
96$1,418,489,922$145,480,710$71,377,413$1,072,565,179
97$1,562,928,285$152,361,656$73,520,947$1,179,372,479
98$1,722,091,562$159,571,969$75,728,491$1,296,967,884
99$1,897,481,448$167,127,542$78,001,942$1,426,447,219
100$2,090,752,803$175,045,039$80,343,254$1,569,017,875