Can I retire at age 52 with 18,900,000?

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 $18,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$1,560,744$1,546,842$1,533,278$1,520,040$1,507,113$1,483,366
2 years$772,646$758,256$744,310$730,788$717,673$693,810
3 years$509,981$495,529$481,618$468,223$455,321$432,085
4 years$378,674$364,266$350,494$337,328$324,739$302,308
5 years$299,910$285,589$271,998$259,101$246,861$225,301
6 years$247,418$233,205$219,815$207,205$195,333$174,667
7 years$209,939$195,845$182,667$170,354$158,858$139,094
8 years$181,842$167,875$154,916$142,906$131,788$112,922
9 years$160,000$146,166$133,429$121,724$110,985$93,007
10 years$142,537$128,838$116,327$104,928$94,564$77,461
11 years$128,259$114,697$102,412$91,318$81,329$65,081
12 years$116,368$102,946$90,888$80,099$70,478$55,066
13 years$106,315$93,033$81,203$70,715$61,458$46,860
14 years$97,706$84,564$72,961$62,773$53,874$40,065
15 years$90,251$77,251$65,874$55,982$47,435$34,390
16 years$83,734$70,876$59,724$50,126$41,923$29,617
17 years$77,990$65,274$54,347$45,038$37,172$25,576
18 years$72,890$60,317$49,612$40,588$33,051$22,139
19 years$68,332$55,901$45,417$36,675$29,459$19,203
20 years$64,235$51,946$41,681$33,216$26,314$16,684
21 years$60,533$48,385$38,339$30,146$23,548$14,518
22 years$57,172$45,166$35,335$27,409$21,107$12,648
23 years$54,108$42,243$32,626$24,962$18,947$11,032
24 years$51,303$39,579$30,173$22,767$17,030$9,631
25 years$48,727$37,143$27,947$20,792$15,324$8,415
26 years$46,353$34,908$25,919$19,011$13,804$7,358
27 years$44,158$32,853$24,068$17,402$12,445$6,438
28 years$42,124$30,957$22,374$15,944$11,230$5,636
29 years$40,233$29,204$20,821$14,621$10,140$4,936
30 years$38,472$27,580$19,394$13,418$9,162$4,325
31 years$36,828$26,073$18,081$12,323$8,283$3,790
32 years$35,289$24,670$16,870$11,326$7,493$3,323
33 years$33,847$23,363$15,751$10,415$6,781$2,915
34 years$32,493$22,143$14,717$9,582$6,140$2,557
35 years$31,218$21,002$13,759$8,821$5,561$2,243
36 years$30,018$19,934$12,872$8,124$5,038$1,969
37 years$28,884$18,933$12,048$7,485$4,566$1,728
38 years$27,813$17,993$11,282$6,899$4,140$1,517
39 years$26,800$17,109$10,570$6,362$3,754$1,332
40 years$25,839$16,278$9,907$5,868$3,405$1,169
41 years$24,928$15,495$9,290$5,414$3,089$1,027
42 years$24,062$14,757$8,714$4,996$2,803$902
43 years$23,239$14,061$8,177$4,612$2,544$792
44 years$22,456$13,403$7,676$4,258$2,309$696
45 years$21,709$12,781$7,207$3,933$2,096$611
46 years$20,997$12,192$6,769$3,633$1,903$537
47 years$20,318$11,635$6,360$3,356$1,728$471
48 years$19,668$11,107$5,976$3,101$1,570$414
49 years$19,047$10,607$5,617$2,866$1,426$364
50 years$18,453$10,132$5,281$2,649$1,295$320

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $18,900,000, adding $5,499 every year, while hoping to spend $50,075 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: 49/43/8 Blend
51$18,900,000$18,900,000$18,900,000$18,900,000
52$20,833,472$19,831,772$19,538,822$21,810,227
53$22,905,207$20,750,250$20,140,093$23,397,280
54$25,186,580$21,712,054$20,759,829$25,114,381
55$27,698,923$22,719,256$21,398,594$26,978,254
56$30,465,738$23,774,025$22,056,972$29,002,621
57$33,512,927$24,878,636$22,735,565$31,202,540
58$36,869,029$26,035,472$23,434,989$33,594,551
59$40,565,494$27,247,034$24,155,885$36,196,815
60$44,636,976$28,515,941$24,898,910$39,029,282
61$49,121,665$29,844,939$25,664,740$42,113,868
62$54,061,640$31,236,907$26,454,075$45,474,652
63$59,503,275$32,694,863$27,267,633$49,138,095
64$65,497,668$34,221,970$28,106,158$53,133,277
65$72,101,128$35,821,544$28,970,412$57,492,164
66$79,375,706$37,497,063$29,861,184$62,249,896
67$87,389,780$39,252,170$30,779,285$67,445,105
68$96,218,698$41,090,687$31,725,552$73,120,272
69$105,945,493$43,016,619$32,700,846$79,322,112
70$116,661,665$45,034,165$33,706,056$86,101,999
71$128,468,042$47,147,727$34,742,097$93,516,440
72$141,475,738$49,361,920$35,809,912$101,627,595
73$155,807,193$51,681,584$36,910,473$110,503,842
74$171,597,335$54,111,791$38,044,783$120,220,412
75$188,994,853$56,657,858$39,213,873$130,860,076
76$208,163,597$59,325,363$40,418,807$142,513,914
77$229,284,129$62,120,150$41,660,682$155,282,154
78$252,555,421$65,048,349$42,940,626$169,275,096
79$278,196,742$68,116,385$44,259,804$184,614,133
80$306,449,718$71,330,996$45,619,416$201,432,880
81$337,580,620$74,699,246$47,020,698$219,878,405
82$371,882,874$78,228,540$48,464,922$240,112,598
83$409,679,833$81,926,645$49,953,403$262,313,676
84$451,327,827$85,801,701$51,487,493$286,677,833
85$497,219,526$89,862,245$53,068,584$313,421,071
86$547,787,651$94,117,228$54,698,115$342,781,206
87$603,509,054$98,576,035$56,377,565$375,020,084
88$664,909,223$103,248,506$58,108,458$410,426,024
89$732,567,239$108,144,959$59,892,368$449,316,503
90$807,121,248$113,276,212$61,730,912$492,041,120
91$889,274,478$118,653,609$63,625,761$538,984,859
92$979,801,884$124,289,045$65,578,633$590,571,690
93$1,079,557,459$130,194,992$67,591,300$647,268,523
94$1,189,482,301$136,384,527$69,665,589$709,589,582
95$1,310,613,491$142,871,364$71,803,382$778,101,214
96$1,444,093,887$149,669,881$74,006,616$853,427,184
97$1,591,182,916$156,795,158$76,277,289$936,254,525
98$1,753,268,457$164,263,003$78,617,462$1,027,339,966
99$1,931,879,946$172,089,997$81,029,253$1,127,517,027
100$2,128,702,817$180,293,524$83,514,850$1,237,703,831