Can I retire at age 52 with 17,300,000?

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 $17,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$1,428,618$1,415,892$1,403,477$1,391,359$1,379,526$1,335,902
2 years$707,237$694,065$681,300$668,923$656,917$613,362
3 years$466,808$453,579$440,846$428,585$416,775$374,655
4 years$346,617$333,429$320,823$308,772$297,248$256,886
5 years$274,521$261,412$248,972$237,166$225,963$187,468
6 years$226,473$213,463$201,206$189,664$178,797$142,201
7 years$192,166$179,266$167,203$155,933$145,410$110,710
8 years$166,448$153,664$141,802$130,808$120,631$87,804
9 years$146,455$133,792$122,134$111,420$101,589$70,598
10 years$130,471$117,931$106,479$96,045$86,559$57,357
11 years$117,401$104,987$93,742$83,588$74,444$46,978
12 years$106,517$94,231$83,194$73,318$64,511$38,723
13 years$97,315$85,157$74,328$64,729$56,255$32,083
14 years$89,434$77,405$66,784$57,459$49,313$26,691
15 years$82,611$70,711$60,297$51,243$43,419$22,280
16 years$76,646$64,876$54,668$45,883$38,374$18,649
17 years$71,388$59,749$49,746$41,225$34,025$15,646
18 years$66,719$55,210$45,412$37,152$30,253$13,151
19 years$62,547$51,168$41,572$33,570$26,965$11,071
20 years$58,797$47,548$38,153$30,404$24,086$9,333
21 years$55,409$44,289$35,093$27,594$21,554$7,876
22 years$52,332$41,342$32,344$25,089$19,320$6,652
23 years$49,527$38,667$29,864$22,849$17,343$5,623
24 years$46,960$36,228$27,619$20,840$15,588$4,757
25 years$44,602$33,998$25,581$19,032$14,027$4,026
26 years$42,429$31,953$23,725$17,402$12,635$3,409
27 years$40,420$30,071$22,031$15,928$11,392$2,887
28 years$38,558$28,336$20,480$14,594$10,279$2,447
29 years$36,827$26,732$19,059$13,383$9,282$2,074
30 years$35,215$25,246$17,752$12,282$8,386$1,758
31 years$33,710$23,865$16,550$11,280$7,582$1,491
32 years$32,302$22,581$15,442$10,367$6,859$1,264
33 years$30,982$21,385$14,418$9,533$6,207$1,072
34 years$29,742$20,268$13,471$8,771$5,620$910
35 years$28,576$19,224$12,595$8,074$5,090$772
36 years$27,476$18,246$11,782$7,436$4,612$655
37 years$26,439$17,330$11,028$6,852$4,180$556
38 years$25,459$16,470$10,327$6,315$3,789$472
39 years$24,531$15,661$9,675$5,823$3,436$400
40 years$23,652$14,900$9,069$5,371$3,117$340
41 years$22,818$14,184$8,503$4,955$2,828$288
42 years$22,025$13,508$7,977$4,573$2,566$245
43 years$21,272$12,870$7,485$4,222$2,329$208
44 years$20,555$12,268$7,026$3,898$2,114$176
45 years$19,872$11,699$6,597$3,600$1,919$150
46 years$19,220$11,160$6,196$3,325$1,742$127
47 years$18,598$10,650$5,821$3,072$1,582$108
48 years$18,003$10,167$5,470$2,839$1,437$91
49 years$17,435$9,709$5,142$2,624$1,305$78
50 years$16,891$9,274$4,834$2,425$1,185$66

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $17,300,000, adding $6,978 every year, while hoping to spend $51,195 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: 65/17/18 Blend
51$17,300,000$17,300,000$17,300,000$17,300,000
52$19,071,798$18,154,898$17,886,748$20,225,583
53$20,962,650$18,990,017$18,431,483$21,835,238
54$23,044,653$19,864,341$18,992,751$23,587,047
55$25,337,251$20,779,736$19,571,051$25,500,201
56$27,861,869$21,738,161$20,166,899$27,590,493
57$30,642,114$22,741,665$20,780,824$29,875,298
58$33,704,001$23,792,399$21,413,374$32,373,735
59$37,076,197$24,892,615$22,065,110$35,106,845
60$40,790,291$26,044,674$22,736,613$38,097,783
61$44,881,090$27,251,053$23,428,479$41,372,036
62$49,386,952$28,514,345$24,141,323$44,957,656
63$54,350,144$29,837,271$24,875,780$48,885,521
64$59,817,241$31,222,679$25,632,501$53,189,624
65$65,839,569$32,673,560$26,412,159$57,907,388
66$72,473,684$34,193,044$27,215,446$63,080,010
67$79,781,912$35,784,415$28,043,075$68,752,854
68$87,832,930$37,451,114$28,895,781$74,975,863
69$96,702,419$39,196,749$29,774,321$81,804,033
70$106,473,779$41,025,103$30,679,473$89,297,921
71$117,238,909$42,940,138$31,612,041$97,524,212
72$129,099,085$44,946,012$32,572,851$106,556,345
73$142,165,905$47,047,080$33,562,755$116,475,193
74$156,562,351$49,247,910$34,582,631$127,369,826
75$172,423,943$51,553,290$35,633,381$139,338,339
76$189,900,023$53,968,239$36,715,937$152,488,774
77$209,155,161$56,498,018$37,831,257$166,940,131
78$230,370,711$59,148,145$38,980,328$182,823,480
79$253,746,522$61,924,402$40,164,167$200,283,193
80$279,502,822$64,832,853$41,383,822$219,478,297
81$307,882,301$67,879,854$42,640,371$240,583,965
82$339,152,398$71,072,069$43,934,925$263,793,159
83$373,607,827$74,416,485$45,268,630$289,318,442
84$411,573,359$77,920,426$46,642,662$317,393,973
85$453,406,888$81,591,573$48,058,238$348,277,706
86$499,502,807$85,437,977$49,516,605$382,253,816
87$550,295,736$89,468,080$51,019,054$419,635,365
88$606,264,618$93,690,733$52,566,909$460,767,245
89$667,937,245$98,115,215$54,161,537$506,029,424
90$735,895,240$102,751,257$55,804,344$555,840,516
91$810,779,545$107,609,059$57,496,780$610,661,715
92$893,296,473$112,699,317$59,240,337$671,001,140
93$984,224,376$118,033,247$61,036,551$737,418,610
94$1,084,420,993$123,622,606$62,887,006$810,530,916
95$1,194,831,545$129,479,725$64,793,332$891,017,622
96$1,316,497,662$135,617,530$66,757,207$979,627,465
97$1,450,567,211$142,049,577$68,780,362$1,077,185,403
98$1,598,305,138$148,790,078$70,864,575$1,184,600,381
99$1,761,105,406$155,853,935$73,011,682$1,302,873,896
100$1,940,504,155$163,256,776$75,223,571$1,433,109,423