Can I retire at age 52 with 14,000,000?

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 $14,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$1,156,107$1,145,809$1,135,762$1,125,955$1,116,380$1,083,683
2 years$572,330$561,671$551,341$541,325$531,609$498,933
3 years$377,763$367,058$356,754$346,832$337,275$305,643
4 years$280,499$269,827$259,625$249,873$240,547$210,203
5 years$222,156$211,547$201,480$191,926$182,860$153,885
6 years$183,273$172,744$162,826$153,485$144,691$117,112
7 years$155,510$145,070$135,309$126,189$117,673$91,489
8 years$134,698$124,352$114,753$105,856$97,621$72,817
9 years$118,519$108,271$98,837$90,166$82,211$58,761
10 years$105,583$95,436$86,168$77,724$70,048$47,921
11 years$95,006$84,961$75,861$67,643$60,243$39,401
12 years$86,199$76,256$67,325$59,332$52,206$32,607
13 years$78,752$68,913$60,150$52,381$45,524$27,125
14 years$72,375$62,640$54,045$46,498$39,906$22,661
15 years$66,852$57,223$48,795$41,468$35,137$18,996
16 years$62,025$52,501$44,240$37,130$31,054$15,969
17 years$57,770$48,351$40,257$33,361$27,535$13,457
18 years$53,993$44,679$36,749$30,065$24,482$11,361
19 years$50,616$41,408$33,642$27,167$21,822$9,608
20 years$47,582$38,478$30,875$24,605$19,492$8,136
21 years$44,839$35,841$28,399$22,330$17,443$6,898
22 years$42,350$33,456$26,174$20,303$15,635$5,854
23 years$40,080$31,291$24,167$18,491$14,035$4,972
24 years$38,003$29,318$22,351$16,865$12,615$4,226
25 years$36,094$27,513$20,701$15,402$11,351$3,594
26 years$34,335$25,858$19,199$14,082$10,225$3,058
27 years$32,710$24,335$17,828$12,890$9,219$2,603
28 years$31,203$22,931$16,574$11,810$8,318$2,216
29 years$29,803$21,633$15,423$10,830$7,511$1,888
30 years$28,498$20,430$14,366$9,939$6,787$1,608
31 years$27,280$19,313$13,393$9,128$6,136$1,370
32 years$26,140$18,274$12,496$8,389$5,550$1,168
33 years$25,072$17,306$11,668$7,715$5,023$996
34 years$24,069$16,402$10,902$7,098$4,548$849
35 years$23,125$15,557$10,192$6,534$4,119$724
36 years$22,235$14,766$9,535$6,018$3,732$617
37 years$21,396$14,024$8,924$5,545$3,383$526
38 years$20,602$13,328$8,357$5,111$3,067$449
39 years$19,852$12,674$7,830$4,712$2,781$383
40 years$19,140$12,058$7,339$4,346$2,522$327
41 years$18,465$11,478$6,881$4,010$2,288$279
42 years$17,824$10,931$6,455$3,701$2,076$238
43 years$17,214$10,415$6,057$3,416$1,885$203
44 years$16,634$9,928$5,686$3,154$1,711$173
45 years$16,081$9,467$5,339$2,913$1,553$148
46 years$15,554$9,031$5,014$2,691$1,410$126
47 years$15,050$8,619$4,711$2,486$1,280$107
48 years$14,569$8,228$4,427$2,297$1,163$92
49 years$14,109$7,857$4,161$2,123$1,056$78
50 years$13,669$7,505$3,912$1,962$959$67

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $14,000,000, adding $3,018 every year, while hoping to spend $26,973 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: 61/25/14 Blend
51$14,000,000$14,000,000$14,000,000$14,000,000
52$15,431,113$14,689,113$14,472,113$16,319,046
53$16,976,388$15,380,181$14,928,230$17,607,557
54$18,678,376$16,104,206$15,398,722$19,009,691
55$20,553,035$16,862,777$15,884,044$20,539,104
56$22,617,947$17,657,555$16,384,662$22,208,120
57$24,892,488$18,490,286$16,901,059$24,030,292
58$27,398,009$19,362,797$17,433,731$26,020,522
59$30,158,037$20,277,005$17,983,192$28,195,205
60$33,198,499$21,234,921$18,549,972$30,572,371
61$36,547,965$22,238,651$19,134,615$33,171,858
62$40,237,918$23,290,406$19,737,685$36,015,491
63$44,303,051$24,392,501$20,359,763$39,127,282
64$48,781,595$25,547,366$21,001,448$42,533,655
65$53,715,679$26,757,549$21,663,357$46,263,688
66$59,151,727$28,025,718$22,346,129$50,349,380
67$65,140,900$29,354,675$23,050,421$54,825,952
68$71,739,573$30,747,355$23,776,912$59,732,169
69$79,009,871$32,206,837$24,526,300$65,110,700
70$87,020,255$33,736,349$25,299,307$71,008,519
71$95,846,166$35,339,275$26,096,679$77,477,333
72$105,570,740$37,019,164$26,919,183$84,574,070
73$116,285,591$38,779,739$27,767,611$92,361,406
74$128,091,676$40,624,901$28,642,781$100,908,348
75$141,100,247$42,558,741$29,545,534$110,290,876
76$155,433,904$44,585,552$30,476,742$120,592,656
77$171,227,750$46,709,831$31,437,300$131,905,816
78$188,630,664$48,936,297$32,428,134$144,331,809
79$207,806,713$51,269,896$33,450,197$157,982,356
80$228,936,694$53,715,818$34,504,475$172,980,499
81$252,219,845$56,279,501$35,591,983$189,461,741
82$277,875,723$58,966,650$36,713,768$207,575,322
83$306,146,278$61,783,247$37,870,911$227,485,610
84$337,298,137$64,735,565$39,064,525$249,373,644
85$371,625,122$67,830,182$40,295,761$273,438,827
86$409,451,020$71,073,997$41,565,805$299,900,799
87$451,132,644$74,474,243$42,875,880$329,001,488
88$497,063,199$78,038,506$44,227,247$361,007,389
89$547,675,994$81,774,741$45,621,208$396,212,053
90$603,448,532$85,691,291$47,059,106$434,938,852
91$664,907,022$89,796,903$48,542,325$477,544,008
92$732,631,340$94,100,753$50,072,294$524,419,937
93$807,260,508$98,612,461$51,650,488$575,998,940
94$889,498,725$103,342,118$53,278,425$632,757,261
95$980,122,017$108,300,303$54,957,673$695,219,560
96$1,079,985,558$113,498,114$56,689,851$763,963,848
97$1,190,031,750$118,947,186$58,476,627$839,626,918
98$1,311,299,116$124,659,725$60,319,720$922,910,337
99$1,444,932,102$130,648,529$62,220,908$1,014,587,039
100$1,592,191,888$136,927,018$64,182,020$1,115,508,598