Can I retire at age 52 with 14,500,000?

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 $14,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$1,197,396$1,186,731$1,176,325$1,166,168$1,156,250$1,135,228
2 years$592,771$581,731$571,031$560,658$550,595$529,491
3 years$391,255$380,167$369,495$359,219$349,320$328,791
4 years$290,517$279,463$268,898$258,797$249,138$229,342
5 years$230,090$219,103$208,676$198,781$189,391$170,385
6 years$189,818$178,914$168,641$158,967$149,859$131,664
7 years$161,064$150,252$140,141$130,695$121,875$104,497
8 years$139,508$128,793$118,851$109,637$101,107$84,541
9 years$122,752$112,138$102,366$93,386$85,147$69,383
10 years$109,354$98,844$89,245$80,500$72,549$57,574
11 years$98,400$87,995$78,570$70,059$62,395$48,190
12 years$89,277$78,980$69,729$61,451$54,070$40,617
13 years$81,565$71,374$62,298$54,252$47,150$34,428
14 years$74,959$64,877$55,975$48,159$41,332$29,317
15 years$69,240$59,267$50,538$42,949$36,392$25,061
16 years$64,240$54,376$45,820$38,457$32,163$21,492
17 years$59,834$50,078$41,695$34,553$28,518$18,481
18 years$55,921$46,275$38,062$31,139$25,357$15,928
19 years$52,424$42,887$34,844$28,137$22,601$13,754
20 years$49,281$39,852$31,978$25,483$20,188$11,897
21 years$46,441$37,121$29,413$23,128$18,066$10,305
22 years$43,862$34,651$27,109$21,028$16,193$8,937
23 years$41,511$32,408$25,030$19,151$14,536$7,759
24 years$39,360$30,365$23,149$17,467$13,065$6,742
25 years$37,383$28,496$21,441$15,952$11,757$5,863
26 years$35,562$26,781$19,885$14,585$10,590$5,102
27 years$33,878$25,204$18,465$13,350$9,548$4,442
28 years$32,317$23,750$17,166$12,232$8,615$3,870
29 years$30,867$22,405$15,974$11,217$7,779$3,373
30 years$29,516$21,160$14,879$10,294$7,029$2,940
31 years$28,254$20,003$13,871$9,454$6,355$2,564
32 years$27,074$18,927$12,942$8,689$5,749$2,237
33 years$25,967$17,924$12,084$7,990$5,202$1,952
34 years$24,928$16,988$11,291$7,352$4,710$1,704
35 years$23,951$16,113$10,556$6,768$4,266$1,488
36 years$23,029$15,293$9,875$6,233$3,865$1,299
37 years$22,160$14,525$9,243$5,743$3,503$1,134
38 years$21,338$13,804$8,656$5,293$3,176$991
39 years$20,561$13,126$8,109$4,881$2,880$865
40 years$19,824$12,489$7,601$4,502$2,612$756
41 years$19,125$11,888$7,127$4,153$2,370$660
42 years$18,461$11,322$6,686$3,833$2,151$577
43 years$17,829$10,787$6,273$3,538$1,952$504
44 years$17,228$10,282$5,889$3,267$1,772$440
45 years$16,655$9,805$5,529$3,017$1,608$385
46 years$16,109$9,354$5,193$2,787$1,460$336
47 years$15,588$8,926$4,879$2,575$1,326$294
48 years$15,089$8,521$4,585$2,379$1,204$257
49 years$14,613$8,138$4,310$2,199$1,094$224
50 years$14,157$7,773$4,052$2,032$993$196

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $14,500,000, adding $6,462 every year, while hoping to spend $49,264 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: 66/29/5 Blend
51$14,500,000$14,500,000$14,500,000$14,500,000
52$15,985,666$15,217,166$14,992,416$17,030,087
53$17,563,787$15,910,390$15,442,245$18,416,933
54$19,301,226$16,635,932$15,905,493$19,925,399
55$21,214,180$17,395,322$16,382,556$21,572,537
56$23,320,499$18,190,165$16,873,844$23,371,838
57$25,639,850$19,022,143$17,379,778$25,338,139
58$28,193,906$19,893,019$17,900,792$27,487,763
59$31,006,547$20,804,640$18,437,331$29,838,664
60$34,104,089$21,758,942$18,989,856$32,410,593
61$37,515,529$22,757,953$19,558,839$35,225,284
62$41,272,820$23,803,799$20,144,767$38,306,647
63$45,411,171$24,898,709$20,748,140$41,680,997
64$49,969,383$26,045,019$21,369,476$45,377,289
65$54,990,210$27,245,175$22,009,303$49,427,393
66$60,520,766$28,501,743$22,668,169$53,866,383
67$66,612,968$29,817,411$23,346,636$58,732,869
68$73,324,025$31,194,999$24,045,283$64,069,345
69$80,716,981$32,637,460$24,764,706$69,922,596
70$88,861,306$34,147,888$25,505,517$76,344,121
71$97,833,556$35,729,531$26,268,348$83,390,621
72$107,718,089$37,385,789$27,053,848$91,124,521
73$118,607,868$39,120,226$27,862,686$99,614,553
74$130,605,335$40,936,581$28,695,550$108,936,397
75$143,823,376$42,838,771$29,553,148$119,173,388
76$158,386,390$44,830,901$30,436,208$130,417,289
77$174,431,463$46,917,276$31,345,482$142,769,155
78$192,109,657$49,102,408$32,281,741$156,340,268
79$211,587,442$51,391,026$33,245,779$171,253,186
80$233,048,263$53,788,088$34,238,415$187,642,883
81$256,694,274$56,298,791$35,260,489$205,658,014
82$282,748,242$58,928,585$36,312,868$225,462,304
83$311,455,657$61,683,179$37,396,443$247,236,088
84$343,087,041$64,568,562$38,512,131$271,177,990
85$377,940,508$67,591,011$39,660,876$297,506,793
86$416,344,574$70,757,104$40,843,650$326,463,487
87$458,661,260$74,073,742$42,061,452$358,313,526
88$505,289,509$77,548,156$43,315,311$393,349,322
89$556,668,950$81,187,927$44,606,285$431,892,990
90$613,284,052$85,001,004$45,935,464$474,299,367
91$675,668,692$88,995,720$47,303,969$520,959,346
92$744,411,200$93,180,812$48,712,953$572,303,550
93$820,159,910$97,565,438$50,163,604$628,806,371
94$903,629,279$102,159,203$51,657,143$690,990,435
95$995,606,634$106,972,173$53,194,827$759,431,509
96$1,096,959,606$112,014,905$54,777,949$834,763,915
97$1,208,644,316$117,298,465$56,407,840$917,686,496
98$1,331,714,403$122,834,457$58,085,869$1,008,969,186
99$1,467,330,973$128,635,046$59,813,447$1,109,460,254
100$1,616,773,556$134,712,987$61,592,021$1,220,094,284