Can I retire at age 52 with 14,200,000?

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 $14,200,000?

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$1,172,623$1,162,178$1,151,987$1,142,040$1,132,328$1,101,826
2 years$580,506$569,695$559,217$549,058$539,204$508,692
3 years$383,160$372,302$361,850$351,787$342,093$312,526
4 years$284,506$273,681$263,334$253,443$243,984$215,588
5 years$225,329$214,569$204,358$194,668$185,472$158,327
6 years$185,891$175,212$165,152$155,678$146,758$120,888
7 years$157,732$147,143$137,242$127,991$119,354$94,761
8 years$136,622$126,129$116,392$107,369$99,015$75,688
9 years$120,212$109,818$100,248$91,454$83,385$61,301
10 years$107,092$96,799$87,399$78,834$71,048$50,179
11 years$96,364$86,174$76,945$68,610$61,104$41,418
12 years$87,430$77,345$68,286$60,180$52,951$34,412
13 years$79,877$69,898$61,009$53,130$46,175$28,743
14 years$73,408$63,535$54,817$47,163$40,476$24,111
15 years$67,807$58,040$49,493$42,061$35,639$20,298
16 years$62,911$53,251$44,872$37,661$31,498$17,137
17 years$58,596$49,042$40,832$33,838$27,928$14,504
18 years$54,764$45,317$37,274$30,495$24,832$12,300
19 years$51,339$41,999$34,123$27,555$22,133$10,449
20 years$48,261$39,028$31,316$24,956$19,770$8,889
21 years$45,480$36,353$28,805$22,649$17,692$7,571
22 years$42,955$33,934$26,548$20,593$15,858$6,455
23 years$40,653$31,738$24,513$18,755$14,235$5,509
24 years$38,545$29,736$22,670$17,105$12,795$4,704
25 years$36,610$27,906$20,997$15,622$11,514$4,020
26 years$34,826$26,227$19,474$14,284$10,371$3,437
27 years$33,177$24,683$18,083$13,074$9,350$2,940
28 years$31,649$23,259$16,810$11,979$8,437$2,515
29 years$30,228$21,942$15,644$10,985$7,618$2,153
30 years$28,905$20,722$14,571$10,081$6,884$1,843
31 years$27,670$19,589$13,584$9,259$6,224$1,579
32 years$26,514$18,535$12,675$8,509$5,630$1,352
33 years$25,430$17,553$11,834$7,825$5,095$1,159
34 years$24,412$16,636$11,057$7,200$4,613$993
35 years$23,455$15,779$10,338$6,628$4,178$851
36 years$22,553$14,977$9,671$6,104$3,785$729
37 years$21,701$14,225$9,052$5,624$3,431$625
38 years$20,897$13,518$8,476$5,184$3,110$536
39 years$20,135$12,855$7,942$4,780$2,821$459
40 years$19,414$12,230$7,444$4,408$2,558$394
41 years$18,729$11,642$6,980$4,067$2,321$338
42 years$18,079$11,087$6,547$3,754$2,106$289
43 years$17,460$10,564$6,144$3,465$1,911$248
44 years$16,872$10,070$5,767$3,199$1,735$213
45 years$16,311$9,602$5,415$2,955$1,575$182
46 years$15,776$9,160$5,086$2,729$1,430$156
47 years$15,265$8,742$4,778$2,522$1,299$134
48 years$14,777$8,345$4,490$2,330$1,179$115
49 years$14,311$7,969$4,220$2,153$1,071$99
50 years$13,864$7,612$3,968$1,990$973$85

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $14,200,000, adding $3,660 every year, while hoping to spend $26,095 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: 79/6/15 Blend
51$14,200,000$14,200,000$14,200,000$14,200,000
52$15,652,175$14,899,575$14,679,475$16,839,601
53$17,220,932$15,601,890$15,143,473$18,324,257
54$18,948,828$16,337,743$15,622,140$19,949,126
55$20,852,067$17,108,750$16,115,940$21,731,206
56$22,948,505$17,916,607$16,625,352$23,686,224
57$25,257,821$18,763,089$17,150,869$25,831,499
58$27,801,696$19,650,058$17,693,001$28,186,104
59$30,604,026$20,579,467$18,252,273$30,771,045
60$33,691,140$21,553,364$18,829,227$33,609,457
61$37,092,052$22,573,896$19,424,423$36,726,822
62$40,838,737$23,643,312$20,038,436$40,151,207
63$44,966,428$24,763,974$20,671,863$43,913,525
64$49,513,950$25,938,355$21,325,317$48,047,830
65$54,524,090$27,169,051$21,999,432$52,591,631
66$60,043,995$28,458,782$22,694,861$57,586,247
67$66,125,621$29,810,401$23,412,277$63,077,193
68$72,826,223$31,226,900$24,152,377$69,114,611
69$80,208,893$32,711,414$24,915,878$75,753,737
70$88,343,160$34,267,232$25,703,519$83,055,421
71$97,305,640$35,897,804$26,516,065$91,086,701
72$107,180,764$37,606,746$27,354,302$99,921,431
73$118,061,575$39,397,849$28,219,044$109,640,975
74$130,050,602$41,275,090$29,111,128$120,334,975
75$143,260,832$43,242,638$30,031,419$132,102,191
76$157,816,775$45,304,866$30,980,811$145,051,434
77$173,855,640$47,466,358$31,960,221$159,302,584
78$191,528,628$49,731,922$32,970,601$174,987,726
79$211,002,361$52,106,600$34,012,930$192,252,386
80$232,460,457$54,595,678$35,088,218$211,256,907
81$256,105,258$57,204,700$36,197,507$232,177,956
82$282,159,744$59,939,480$37,341,874$255,210,188
83$310,869,638$62,806,115$38,522,426$280,568,079
84$342,505,723$65,810,997$39,740,310$308,487,948
85$377,366,402$68,960,831$40,996,705$339,230,183
86$415,780,510$72,262,647$42,292,830$373,081,695
87$458,110,424$75,723,818$43,629,942$410,358,618
88$504,755,478$79,352,076$45,009,336$451,409,295
89$556,155,738$83,155,530$46,432,350$496,617,555
90$612,796,154$87,142,681$47,900,364$546,406,335
91$675,211,137$91,322,447$49,414,802$601,241,665
92$743,989,605$95,704,180$50,977,130$661,637,062
93$819,780,547$100,297,686$52,588,866$728,158,374
94$903,299,140$105,113,250$54,251,570$801,429,111
95$995,333,510$110,161,658$55,966,856$882,136,328
96$1,096,752,169$115,454,220$57,736,386$971,037,104
97$1,208,512,212$121,002,799$59,561,877$1,068,965,681
98$1,331,668,356$126,819,834$61,445,098$1,176,841,330
99$1,467,382,896$132,918,373$63,387,877$1,295,677,028
100$1,616,936,676$139,312,099$65,392,095$1,426,589,006