Can I retire at age 52 with 14,600,000?

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 $14,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$1,205,654$1,194,915$1,184,437$1,174,210$1,164,225$1,135,619
2 years$596,859$585,743$574,970$564,524$554,393$525,749
3 years$393,953$382,789$372,043$361,696$351,729$323,944
4 years$292,520$281,391$270,752$260,582$250,856$224,143
5 years$231,677$220,614$210,115$200,152$190,697$165,130
6 years$191,127$180,148$169,804$160,063$150,892$126,496
7 years$162,175$151,288$141,108$131,597$122,716$99,495
8 years$140,471$129,682$119,671$110,393$101,804$79,748
9 years$123,598$112,911$103,072$94,030$85,734$64,824
10 years$110,108$99,526$89,861$81,055$73,050$53,262
11 years$99,078$88,602$79,112$70,542$62,825$44,131
12 years$89,893$79,524$70,210$61,875$54,443$36,811
13 years$82,127$71,867$62,728$54,626$47,475$30,871
14 years$75,476$65,325$56,361$48,491$41,617$26,003
15 years$69,718$59,675$50,887$43,246$36,643$21,983
16 years$64,684$54,751$46,136$38,722$32,385$18,640
17 years$60,246$50,424$41,982$34,791$28,715$15,844
18 years$56,307$46,594$38,324$31,354$25,532$13,497
19 years$52,786$43,183$35,084$28,331$22,757$11,517
20 years$49,621$40,127$32,198$25,659$20,327$9,842
21 years$46,761$37,377$29,616$23,287$18,190$8,422
22 years$44,165$34,890$27,296$21,173$16,305$7,214
23 years$41,798$32,632$25,203$19,283$14,636$6,185
24 years$39,631$30,574$23,309$17,587$13,155$5,307
25 years$37,641$28,692$21,588$16,062$11,838$4,557
26 years$35,807$26,966$20,022$14,686$10,663$3,915
27 years$34,112$25,378$18,592$13,442$9,614$3,365
28 years$32,540$23,914$17,284$12,316$8,675$2,893
29 years$31,080$22,560$16,084$11,294$7,833$2,489
30 years$29,719$21,305$14,982$10,365$7,078$2,141
31 years$28,449$20,141$13,967$9,520$6,399$1,843
32 years$27,261$19,057$13,032$8,749$5,788$1,587
33 years$26,146$18,047$12,168$8,045$5,238$1,366
34 years$25,100$17,105$11,369$7,402$4,743$1,176
35 years$24,116$16,224$10,629$6,814$4,296$1,013
36 years$23,188$15,399$9,943$6,276$3,892$873
37 years$22,313$14,625$9,307$5,782$3,528$752
38 years$21,485$13,899$8,715$5,330$3,198$648
39 years$20,702$13,217$8,165$4,914$2,900$558
40 years$19,961$12,575$7,653$4,533$2,630$481
41 years$19,257$11,970$7,176$4,182$2,386$415
42 years$18,588$11,400$6,732$3,859$2,165$357
43 years$17,952$10,862$6,317$3,563$1,965$308
44 years$17,347$10,353$5,929$3,290$1,784$265
45 years$16,770$9,873$5,567$3,038$1,619$229
46 years$16,220$9,418$5,229$2,806$1,470$197
47 years$15,695$8,988$4,913$2,593$1,335$170
48 years$15,193$8,580$4,617$2,396$1,213$146
49 years$14,714$8,194$4,339$2,214$1,101$126
50 years$14,255$7,827$4,080$2,046$1,000$109

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $14,600,000, adding $4,894 every year, while hoping to spend $56,285 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: 49/40/11 Blend
51$14,600,000$14,600,000$14,600,000$14,600,000
52$16,094,248$15,320,448$15,094,148$16,834,641
53$17,675,975$16,011,263$15,539,915$18,034,042
54$19,417,151$16,734,042$15,998,729$19,329,818
55$21,333,981$17,490,291$16,470,968$20,736,020
56$23,444,321$18,281,589$16,957,019$22,262,993
57$25,767,845$19,109,590$17,457,282$23,922,103
58$28,326,233$19,976,028$17,972,169$25,725,830
59$31,143,374$20,882,718$18,502,102$27,687,884
60$34,245,591$21,831,564$19,047,515$29,823,326
61$37,661,890$22,824,559$19,608,855$32,148,708
62$41,424,234$23,863,794$20,186,583$34,682,218
63$45,567,843$24,951,457$20,781,171$37,443,846
64$50,131,528$26,089,844$21,393,105$40,455,567
65$55,158,055$27,281,358$22,022,886$43,741,542
66$60,694,551$28,528,519$22,671,027$47,328,332
67$66,792,947$29,833,968$23,338,058$51,245,149
68$73,510,467$31,200,471$24,024,522$55,524,114
69$80,910,170$32,630,930$24,730,979$60,200,560
70$89,061,544$34,128,382$25,458,004$65,313,348
71$98,041,162$35,696,014$26,206,187$70,905,232
72$107,933,405$37,337,162$26,976,139$77,023,245
73$118,831,256$39,055,327$27,768,483$83,719,135
74$130,837,179$40,854,174$28,583,863$91,049,843
75$144,064,089$42,737,546$29,422,940$99,078,028
76$158,636,411$44,709,471$30,286,393$107,872,646
77$174,691,261$46,774,170$31,174,923$117,509,586
78$192,379,734$48,936,069$32,089,248$128,072,377
79$211,868,335$51,199,805$33,030,106$139,652,957
80$233,340,549$53,570,239$33,998,258$152,352,530
81$256,998,570$56,052,465$34,994,484$166,282,506
82$283,065,213$58,651,825$36,019,589$181,565,532
83$311,786,017$61,373,917$37,074,397$198,336,637
84$343,431,560$64,224,608$38,159,759$216,744,487
85$378,300,015$67,210,049$39,276,546$236,952,770
86$416,719,962$70,336,688$40,425,656$259,141,720
87$459,053,495$73,611,282$41,608,012$283,509,801
88$505,699,633$77,040,916$42,824,562$310,275,558
89$557,098,091$80,633,017$44,076,281$339,679,653
90$613,733,431$84,395,369$45,364,171$371,987,123
91$676,139,632$88,336,134$46,689,262$407,489,847
92$744,905,136$92,463,865$48,052,613$446,509,282
93$820,678,398$96,787,533$49,455,314$489,399,468
94$904,174,010$101,316,537$50,898,482$536,550,343
95$996,179,446$106,060,735$52,383,269$588,391,395
96$1,097,562,498$111,030,459$53,910,856$645,395,683
97$1,209,279,462$116,236,541$55,482,459$708,084,274
98$1,332,384,172$121,690,337$57,099,327$777,031,123
99$1,468,037,947$127,403,752$58,762,744$852,868,460
100$1,617,520,550$133,389,269$60,474,028$936,292,722