Can I retire at age 52 with 17,200,000?

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 $17,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$1,420,360$1,407,708$1,395,364$1,383,316$1,371,552$1,351,614
2 years$703,148$690,053$677,361$665,056$653,120$633,074
3 years$464,109$450,957$438,298$426,108$414,366$394,836
4 years$344,613$331,501$318,968$306,987$295,529$276,666
5 years$272,934$259,901$247,533$235,795$224,657$206,515
6 years$225,164$212,229$200,043$188,567$177,763$160,363
7 years$191,055$178,229$166,237$155,032$144,569$127,918
8 years$165,486$152,776$140,982$130,052$119,934$104,028
9 years$145,609$133,019$121,428$110,776$101,002$85,834
10 years$129,717$117,249$105,863$95,490$86,059$71,618
11 years$116,722$104,380$93,200$83,105$74,013$60,285
12 years$105,901$93,686$82,713$72,894$64,138$51,106
13 years$96,753$84,665$73,899$64,354$55,930$43,576
14 years$88,917$76,958$66,398$57,127$49,028$37,332
15 years$82,133$70,302$59,949$50,947$43,168$32,111
16 years$76,202$64,501$54,352$45,617$38,152$27,711
17 years$70,975$59,403$49,458$40,987$33,828$23,982
18 years$66,334$54,891$45,149$36,937$30,078$20,804
19 years$62,186$50,873$41,332$33,376$26,810$18,084
20 years$58,457$47,273$37,932$30,229$23,947$15,748
21 years$55,088$44,033$34,890$27,434$21,430$13,734
22 years$52,030$41,103$32,157$24,944$19,209$11,993
23 years$49,241$38,443$29,691$22,717$17,243$10,484
24 years$46,689$36,019$27,459$20,719$15,498$9,175
25 years$44,344$33,802$25,433$18,922$13,946$8,035
26 years$42,184$31,768$23,588$17,301$12,562$7,043
27 years$40,186$29,898$21,903$15,836$11,326$6,177
28 years$38,335$28,172$20,362$14,509$10,219$5,420
29 years$36,615$26,577$18,949$13,305$9,228$4,759
30 years$35,012$25,100$17,650$12,211$8,338$4,180
31 years$33,515$23,727$16,454$11,215$7,538$3,673
32 years$32,115$22,451$15,352$10,307$6,819$3,228
33 years$30,803$21,261$14,334$9,478$6,171$2,838
34 years$29,570$20,151$13,393$8,721$5,587$2,496
35 years$28,410$19,113$12,522$8,028$5,061$2,195
36 years$27,318$18,141$11,714$7,393$4,585$1,932
37 years$26,286$17,230$10,964$6,812$4,156$1,700
38 years$25,312$16,374$10,267$6,279$3,768$1,496
39 years$24,389$15,570$9,619$5,789$3,417$1,317
40 years$23,515$14,814$9,016$5,340$3,099$1,159
41 years$22,686$14,102$8,454$4,927$2,811$1,020
42 years$21,898$13,430$7,930$4,547$2,551$898
43 years$21,149$12,796$7,442$4,197$2,315$791
44 years$20,436$12,197$6,985$3,875$2,102$697
45 years$19,757$11,631$6,559$3,579$1,908$614
46 years$19,109$11,096$6,160$3,306$1,732$540
47 years$18,490$10,589$5,788$3,054$1,573$476
48 years$17,899$10,108$5,439$2,822$1,428$419
49 years$17,334$9,653$5,112$2,608$1,297$369
50 years$16,793$9,221$4,806$2,411$1,178$325

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $17,200,000, adding $3,890 every year, while hoping to spend $55,220 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: 47/32/21 Blend
51$17,200,000$17,200,000$17,200,000$17,200,000
52$18,958,413$18,046,813$17,780,213$19,735,919
53$20,833,417$18,872,353$18,317,096$21,105,134
54$22,897,821$19,736,494$18,870,114$22,584,601
55$25,170,885$20,641,068$19,439,750$24,189,325
56$27,673,833$21,587,998$20,026,499$25,931,052
57$30,430,050$22,579,296$20,630,873$27,822,679
58$33,465,306$23,617,073$21,253,398$29,878,379
59$36,807,998$24,703,539$21,894,617$32,113,717
60$40,489,414$25,841,013$22,555,087$34,545,799
61$44,544,035$27,031,924$23,235,383$37,193,425
62$49,009,856$28,278,817$23,936,098$40,077,257
63$53,928,744$29,584,362$24,657,840$43,220,007
64$59,346,834$30,951,354$25,401,236$46,646,646
65$65,314,967$32,382,726$26,166,933$50,384,631
66$71,889,164$33,881,550$26,955,596$54,464,153
67$79,131,160$35,451,047$27,767,909$58,918,417
68$87,108,982$37,094,592$28,604,577$63,783,943
69$95,897,594$38,815,724$29,466,327$69,100,905
70$105,579,606$40,618,151$30,353,906$74,913,495
71$116,246,047$42,505,761$31,268,083$81,270,335
72$127,997,230$44,482,630$32,209,651$88,224,920
73$140,943,698$46,553,030$33,179,424$95,836,115
74$155,207,264$48,721,437$34,178,244$104,168,700
75$170,922,165$50,992,547$35,206,975$113,293,963
76$188,236,323$53,371,280$36,266,506$123,290,365
77$207,312,749$55,862,793$37,357,755$134,244,267
78$228,331,075$58,472,495$38,481,665$146,250,726
79$251,489,251$61,206,054$39,639,207$159,414,384
80$277,005,415$64,069,412$40,831,382$173,850,434
81$305,119,953$67,068,798$42,059,218$189,685,698
82$336,097,763$70,210,744$43,323,777$207,059,798
83$370,230,761$73,502,096$44,626,149$226,126,466
84$407,840,631$76,950,032$45,967,458$247,054,968
85$449,281,868$80,562,076$47,348,860$270,031,687
86$494,945,117$84,346,117$48,771,546$295,261,863
87$545,260,869$88,310,425$50,236,742$322,971,505
88$600,703,514$92,463,673$51,745,710$353,409,505
89$661,795,829$96,814,950$53,299,747$386,849,963
90$729,113,908$101,373,786$54,900,193$423,594,751
91$803,292,600$106,150,176$56,548,423$463,976,337
92$885,031,505$111,154,594$58,245,855$508,360,895
93$975,101,574$116,398,025$59,993,947$557,151,738
94$1,074,352,391$121,891,985$61,794,201$610,793,089
95$1,183,720,192$127,648,548$63,648,163$669,774,252
96$1,304,236,699$133,680,375$65,557,425$734,634,192
97$1,437,038,867$140,000,738$67,523,623$805,966,597
98$1,583,379,612$146,623,555$69,548,445$884,425,439
99$1,744,639,640$153,563,417$71,633,626$970,731,116
100$1,922,340,484$160,835,625$73,780,953$1,065,677,215