Can I retire at age 52 with 14,300,000?

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 $14,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$1,180,881$1,170,362$1,160,100$1,150,083$1,140,302$1,106,460
2 years$584,594$573,707$563,155$552,924$543,001$509,186
3 years$385,858$374,924$364,399$354,264$344,502$311,773
4 years$286,510$275,609$265,189$255,227$245,702$214,310
5 years$226,916$216,081$205,797$196,039$186,779$156,810
6 years$187,200$176,446$166,315$156,774$147,792$119,272
7 years$158,843$148,179$138,208$128,893$120,194$93,123
8 years$137,584$127,017$117,212$108,125$99,713$74,074
9 years$121,058$110,591$100,954$92,098$83,972$59,740
10 years$107,846$97,481$88,014$79,390$71,549$48,688
11 years$97,042$86,781$77,486$69,093$61,534$40,006
12 years$88,046$77,890$68,767$60,604$53,324$33,086
13 years$80,440$70,390$61,439$53,504$46,500$27,505
14 years$73,925$63,982$55,203$47,495$40,761$22,962
15 years$68,285$58,449$49,841$42,357$35,890$19,235
16 years$63,354$53,626$45,188$37,926$31,719$16,159
17 years$59,008$49,388$41,120$34,076$28,125$13,606
18 years$55,150$45,636$37,537$30,710$25,007$11,479
19 years$51,701$42,295$34,363$27,749$22,289$9,700
20 years$48,601$39,303$31,537$25,132$19,909$8,208
21 years$45,800$36,609$29,008$22,809$17,817$6,954
22 years$43,257$34,173$26,735$20,738$15,970$5,897
23 years$40,939$31,961$24,685$18,887$14,336$5,004
24 years$38,817$29,946$22,830$17,226$12,885$4,250
25 years$36,868$28,103$21,145$15,732$11,595$3,611
26 years$35,071$26,412$19,611$14,384$10,444$3,070
27 years$33,411$24,857$18,210$13,166$9,416$2,611
28 years$31,872$23,422$16,929$12,063$8,496$2,222
29 years$30,441$22,096$15,754$11,062$7,672$1,891
30 years$29,109$20,868$14,674$10,152$6,932$1,609
31 years$27,864$19,727$13,680$9,324$6,267$1,370
32 years$26,700$18,666$12,764$8,569$5,669$1,167
33 years$25,609$17,677$11,918$7,880$5,131$994
34 years$24,584$16,753$11,135$7,250$4,645$847
35 years$23,620$15,890$10,411$6,674$4,207$721
36 years$22,712$15,082$9,739$6,147$3,812$615
37 years$21,854$14,325$9,115$5,663$3,455$524
38 years$21,044$13,614$8,536$5,220$3,132$446
39 years$20,277$12,945$7,997$4,813$2,840$380
40 years$19,550$12,316$7,496$4,440$2,576$324
41 years$18,861$11,724$7,029$4,096$2,337$276
42 years$18,206$11,165$6,593$3,780$2,121$236
43 years$17,583$10,638$6,187$3,490$1,925$201
44 years$16,990$10,141$5,808$3,222$1,747$171
45 years$16,426$9,670$5,453$2,976$1,586$146
46 years$15,887$9,225$5,122$2,749$1,440$124
47 years$15,373$8,803$4,812$2,539$1,308$106
48 years$14,881$8,404$4,522$2,346$1,188$90
49 years$14,411$8,025$4,250$2,169$1,079$77
50 years$13,962$7,666$3,996$2,004$980$66

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $14,300,000, adding $4,779 every year, while hoping to spend $52,658 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: 79/15/6 Blend
51$14,300,000$14,300,000$14,300,000$14,300,000
52$15,763,530$15,005,630$14,783,980$17,000,861
53$17,315,382$15,684,878$15,223,215$18,491,471
54$19,023,758$16,395,644$15,675,400$20,118,787
55$20,904,569$17,139,418$16,140,913$21,902,246
56$22,975,344$17,917,758$16,620,143$23,857,379
57$25,255,401$18,732,301$17,113,490$26,001,287
58$27,766,026$19,584,758$17,621,366$28,352,794
59$30,530,674$20,476,924$18,144,195$30,932,629
60$33,575,190$21,410,681$18,682,413$33,763,617
61$36,928,054$22,387,999$19,236,469$36,870,889
62$40,620,649$23,410,943$19,806,823$40,282,119
63$44,687,554$24,481,679$20,393,951$44,027,784
64$49,166,878$25,602,475$20,998,342$48,141,445
65$54,100,610$26,775,707$21,620,497$52,660,065
66$59,535,022$28,003,866$22,260,934$57,624,350
67$65,521,104$29,289,565$22,920,184$63,079,135
68$72,115,040$30,635,537$23,598,794$69,073,799
69$79,378,749$32,044,653$24,297,328$75,662,731
70$87,380,456$33,519,916$25,016,363$82,905,838
71$96,195,348$35,064,477$25,756,496$90,869,108
72$105,906,274$36,681,637$26,518,340$99,625,226
73$116,604,533$38,374,856$27,302,523$109,254,257
74$128,390,733$40,147,762$28,109,696$119,844,402
75$141,375,740$42,004,155$28,940,523$131,492,817
76$155,681,726$43,948,019$29,795,691$144,306,533
77$171,443,322$45,983,531$30,675,906$158,403,456
78$188,808,884$48,115,068$31,581,893$173,913,480
79$207,941,902$50,347,218$32,514,398$190,979,700
80$229,022,535$52,684,791$33,474,189$209,759,767
81$252,249,316$55,132,827$34,462,056$230,427,360
82$277,841,021$57,696,612$35,478,811$253,173,826
83$306,038,743$60,381,683$36,525,288$278,209,977
84$337,108,157$63,193,848$37,602,348$305,768,073
85$371,342,036$66,139,193$38,710,873$336,104,008
86$409,063,009$69,224,098$39,851,772$369,499,717
87$450,626,609$72,455,253$41,025,981$406,265,833
88$496,424,631$75,839,668$42,234,459$446,744,606
89$546,888,826$79,384,694$43,478,195$491,313,129
90$602,494,978$83,098,036$44,758,207$540,386,886
91$663,767,398$86,987,772$46,075,539$594,423,666
92$731,283,869$91,062,370$47,431,266$653,927,879
93$805,681,105$95,330,707$48,826,495$719,455,297
94$887,660,757$99,802,090$50,262,361$791,618,301
95$977,996,038$104,486,277$51,740,035$871,091,644
96$1,077,539,026$109,393,497$53,260,718$958,618,811
97$1,187,228,702$114,534,473$54,825,647$1,055,019,025
98$1,308,099,816$119,920,449$56,436,092$1,161,194,968
99$1,441,292,658$125,563,212$58,093,362$1,278,141,289
100$1,588,063,820$131,475,120$59,798,801$1,406,953,981