Can I retire at age 52 with 14,100,000?

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 $14,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$1,164,365$1,153,993$1,143,874$1,133,998$1,124,354$1,094,067
2 years$576,418$565,683$555,279$545,191$535,407$505,109
3 years$380,462$369,680$359,302$349,309$339,684$310,325
4 years$282,503$271,754$261,480$251,658$242,265$214,070
5 years$223,742$213,058$202,919$193,297$184,166$157,212
6 years$184,582$173,978$163,989$154,581$145,725$120,037
7 years$156,621$146,107$136,275$127,090$118,513$94,094
8 years$135,660$125,240$115,572$106,613$98,318$75,155
9 years$119,365$109,044$99,543$90,810$82,798$60,869
10 years$106,337$96,117$86,783$78,279$70,548$49,826
11 years$95,685$85,567$76,403$68,126$60,674$41,126
12 years$86,815$76,801$67,805$59,756$52,579$34,169
13 years$79,315$69,405$60,580$52,756$45,849$28,540
14 years$72,892$63,088$54,431$46,831$40,191$23,942
15 years$67,330$57,632$49,144$41,765$35,388$20,155
16 years$62,468$52,876$44,556$37,396$31,276$17,017
17 years$58,183$48,697$40,544$33,600$27,731$14,402
18 years$54,378$44,998$37,012$30,280$24,657$12,214
19 years$50,978$41,704$33,883$27,361$21,978$10,375
20 years$47,921$38,753$31,096$24,780$19,631$8,827
21 years$45,160$36,097$28,602$22,490$17,567$7,518
22 years$42,652$33,695$26,361$20,448$15,747$6,410
23 years$40,366$31,514$24,340$18,623$14,135$5,470
24 years$38,274$29,527$22,510$16,985$12,705$4,671
25 years$36,352$27,710$20,849$15,512$11,433$3,991
26 years$34,581$26,043$19,336$14,183$10,298$3,413
27 years$32,943$24,509$17,956$12,982$9,285$2,919
28 years$31,426$23,095$16,692$11,894$8,378$2,498
29 years$30,015$21,787$15,533$10,907$7,565$2,138
30 years$28,702$20,576$14,469$10,010$6,835$1,830
31 years$27,475$19,451$13,489$9,194$6,180$1,568
32 years$26,327$18,405$12,585$8,449$5,590$1,343
33 years$25,251$17,429$11,751$7,770$5,059$1,150
34 years$24,241$16,519$10,979$7,149$4,580$986
35 years$23,290$15,668$10,265$6,581$4,149$845
36 years$22,394$14,871$9,603$6,061$3,759$724
37 years$21,549$14,124$8,988$5,584$3,407$621
38 years$20,750$13,423$8,417$5,147$3,089$532
39 years$19,993$12,764$7,886$4,746$2,801$456
40 years$19,277$12,144$7,391$4,377$2,540$391
41 years$18,597$11,560$6,931$4,039$2,305$335
42 years$17,951$11,009$6,501$3,727$2,091$287
43 years$17,337$10,490$6,100$3,441$1,898$246
44 years$16,753$9,999$5,726$3,177$1,723$211
45 years$16,196$9,535$5,377$2,934$1,564$181
46 years$15,665$9,096$5,050$2,710$1,420$155
47 years$15,158$8,680$4,744$2,504$1,289$133
48 years$14,673$8,286$4,458$2,314$1,171$114
49 years$14,210$7,913$4,191$2,138$1,064$98
50 years$13,767$7,559$3,940$1,976$966$84

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $14,100,000, adding $5,554 every year, while hoping to spend $39,215 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: 62/31/7 Blend
51$14,100,000$14,100,000$14,100,000$14,100,000
52$15,543,929$14,796,629$14,578,079$16,486,138
53$17,087,685$15,479,939$15,024,720$17,799,245
54$18,787,590$16,195,418$15,485,009$19,226,761
55$20,659,530$16,944,599$15,959,363$20,783,797
56$22,721,009$17,729,091$16,448,209$22,482,870
57$24,991,317$18,550,581$16,951,988$24,337,738
58$27,491,708$19,410,836$17,471,156$26,363,531
59$30,245,604$20,311,709$18,006,182$28,576,888
60$33,278,814$21,255,142$18,557,548$30,996,110
61$36,619,779$22,243,169$19,125,752$33,641,326
62$40,299,838$23,277,926$19,711,306$36,534,680
63$44,353,525$24,361,648$20,314,738$39,700,532
64$48,818,896$25,496,680$20,936,593$43,165,687
65$53,737,887$26,685,481$21,577,432$46,959,634
66$59,156,707$27,930,625$22,237,832$51,114,828
67$65,126,280$29,234,815$22,918,389$55,666,983
68$71,702,721$30,600,881$23,619,715$60,655,402
69$78,947,866$32,031,791$24,342,442$66,123,348
70$86,929,856$33,530,657$25,087,223$72,118,435
71$95,723,783$35,100,741$25,854,726$78,693,078
72$105,412,394$36,745,462$26,645,644$85,904,976
73$116,086,874$38,468,405$27,460,689$93,817,647
74$127,847,706$40,273,329$28,300,593$102,501,021
75$140,805,623$42,164,173$29,166,114$112,032,091
76$155,082,647$44,145,067$30,058,029$122,495,628
77$170,813,245$46,220,344$30,977,141$133,984,971
78$188,145,597$48,394,542$31,924,277$146,602,899
79$207,242,996$50,672,422$32,900,288$160,462,589
80$228,285,385$53,058,975$33,906,051$175,688,674
81$251,471,061$55,559,432$34,942,471$192,418,404
82$277,018,545$58,179,279$36,010,479$210,802,933
83$305,168,641$60,924,268$37,111,034$231,008,728
84$336,186,714$63,800,429$38,245,126$253,219,130
85$370,365,193$66,814,084$39,413,772$277,636,068
86$408,026,331$69,971,863$40,618,022$304,481,950
87$449,525,248$73,280,715$41,858,956$334,001,747
88$495,253,282$76,747,928$43,137,690$366,465,286
89$545,641,683$80,381,143$44,455,369$402,169,785
90$601,165,687$84,188,372$45,813,176$441,442,633
91$662,348,999$88,178,014$47,212,330$484,644,467
92$729,768,738$92,358,878$48,654,084$532,172,553
93$804,060,885$96,740,198$50,139,731$584,464,516
94$885,926,286$101,331,659$51,670,603$642,002,447
95$976,137,270$106,143,414$53,248,071$705,317,436
96$1,075,544,940$111,186,109$54,873,550$774,994,552
97$1,185,087,205$116,470,910$56,548,495$851,678,350
98$1,305,797,637$122,009,520$58,274,406$936,078,923
99$1,438,815,225$127,814,217$60,052,828$1,028,978,578
100$1,585,395,134$133,897,869$61,885,354$1,131,239,194