Can I retire at age 52 with 17,500,000?

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 $17,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$1,445,134$1,432,261$1,419,702$1,407,444$1,395,475$1,346,498
2 years$715,413$702,089$689,176$676,656$664,512$615,682
3 years$472,204$458,823$445,942$433,540$421,594$374,446
4 years$350,624$337,283$324,532$312,341$300,684$255,579
5 years$277,695$264,434$251,850$239,908$228,575$185,631
6 years$229,091$215,930$203,532$191,856$180,864$140,114
7 years$194,388$181,338$169,136$157,736$147,091$108,526
8 years$168,372$155,440$143,441$132,321$122,026$85,616
9 years$148,149$135,339$123,546$112,708$102,763$68,461
10 years$131,979$119,294$107,710$97,155$87,560$55,306
11 years$118,758$106,201$94,826$84,554$75,304$45,035
12 years$107,749$95,320$84,156$74,165$65,257$36,900
13 years$98,440$86,142$75,188$65,477$56,905$30,386
14 years$90,468$78,300$67,556$58,123$49,883$25,121
15 years$83,566$71,529$60,994$51,836$43,921$20,836
16 years$77,532$65,626$55,300$46,413$38,817$17,328
17 years$72,213$60,439$50,321$41,702$34,418$14,441
18 years$67,491$55,849$45,937$37,582$30,603$12,057
19 years$63,271$51,760$42,053$33,958$27,277$10,082
20 years$59,477$48,098$38,594$30,756$24,364$8,440
21 years$56,049$44,801$35,499$27,913$21,803$7,073
22 years$52,937$41,820$32,718$25,379$19,544$5,933
23 years$50,100$39,114$30,209$23,113$17,544$4,979
24 years$47,503$36,647$27,938$21,081$15,769$4,182
25 years$45,118$34,391$25,877$19,252$14,189$3,514
26 years$42,919$32,322$23,999$17,603$12,781$2,954
27 years$40,887$30,419$22,285$16,113$11,523$2,484
28 years$39,004$28,664$20,717$14,763$10,398$2,089
29 years$37,253$27,041$19,279$13,538$9,389$1,758
30 years$35,622$25,537$17,958$12,424$8,483$1,479
31 years$34,100$24,141$16,741$11,411$7,670$1,245
32 years$32,675$22,843$15,620$10,487$6,938$1,048
33 years$31,340$21,632$14,585$9,643$6,279$882
34 years$30,086$20,502$13,627$8,873$5,685$743
35 years$28,906$19,446$12,740$8,168$5,149$626
36 years$27,794$18,457$11,918$7,522$4,665$527
37 years$26,745$17,530$11,155$6,931$4,228$444
38 years$25,753$16,660$10,446$6,388$3,833$374
39 years$24,815$15,842$9,787$5,890$3,476$315
40 years$23,925$15,072$9,173$5,433$3,153$265
41 years$23,082$14,347$8,602$5,013$2,860$223
42 years$22,280$13,664$8,069$4,626$2,596$188
43 years$21,518$13,019$7,571$4,270$2,356$158
44 years$20,792$12,410$7,107$3,943$2,138$133
45 years$20,101$11,834$6,673$3,641$1,941$112
46 years$19,442$11,289$6,268$3,364$1,762$95
47 years$18,813$10,773$5,888$3,108$1,600$80
48 years$18,211$10,285$5,534$2,872$1,453$67
49 years$17,636$9,821$5,201$2,654$1,320$57
50 years$17,086$9,382$4,890$2,453$1,199$48

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $17,500,000, adding $5,479 every year, while hoping to spend $39,140 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: 44/39/17 Blend
51$17,500,000$17,500,000$17,500,000$17,500,000
52$19,290,652$18,363,152$18,091,902$20,044,463
53$21,216,653$19,221,301$18,656,336$21,431,884
54$23,337,796$20,120,189$19,238,366$22,930,479
55$25,673,941$21,061,768$19,838,542$24,553,981
56$28,246,978$22,048,090$20,457,428$26,313,941
57$31,081,024$23,081,301$21,095,607$28,223,036
58$34,202,659$24,163,655$21,753,679$30,295,179
59$37,641,168$25,297,512$22,432,266$32,545,647
60$41,428,825$26,485,348$23,132,004$34,991,212
61$45,601,193$27,729,758$23,853,555$37,650,297
62$50,197,462$29,033,463$24,597,596$40,543,136
63$55,260,816$30,399,315$25,364,828$43,691,959
64$60,838,843$31,830,305$26,155,973$47,121,190
65$66,983,983$33,329,569$26,971,777$50,857,671
66$73,754,025$34,900,393$27,813,007$54,930,901
67$81,212,648$36,546,225$28,680,455$59,373,307
68$89,430,025$38,270,677$29,574,937$64,220,537
69$98,483,486$40,077,538$30,497,296$69,511,783
70$108,458,245$41,970,781$31,448,399$75,290,143
71$119,448,207$43,954,571$32,429,142$81,603,011
72$131,556,853$46,033,273$33,440,446$88,502,510
73$144,898,216$48,211,467$34,483,265$96,045,974
74$159,597,958$50,493,954$35,558,579$104,296,470
75$175,794,558$52,885,766$36,667,400$113,323,382
76$193,640,616$55,392,182$37,810,771$123,203,043
77$213,304,295$58,018,735$38,989,768$134,019,448
78$234,970,908$60,771,228$40,205,500$145,865,017
79$258,844,667$63,655,744$41,459,110$158,841,462
80$285,150,611$66,678,664$42,751,779$173,060,715
81$314,136,731$69,846,676$44,084,721$188,645,972
82$346,076,309$73,166,794$45,459,190$205,732,834
83$381,270,499$76,646,374$46,876,480$224,470,559
84$420,051,171$80,293,127$48,337,922$245,023,454
85$462,784,040$84,115,139$49,844,892$267,572,397
86$509,872,122$88,120,892$51,398,807$292,316,522
87$561,759,539$92,319,275$53,001,127$319,475,067
88$618,935,706$96,719,614$54,653,359$349,289,421
89$681,939,959$101,331,686$56,357,057$382,025,370
90$751,366,639$106,165,742$58,113,822$417,975,573
91$827,870,707$111,232,535$59,925,307$457,462,298
92$912,173,927$116,543,338$61,793,213$500,840,425
93$1,005,071,679$122,109,972$63,719,297$548,500,762
94$1,107,440,466$127,944,837$65,705,369$600,873,700
95$1,220,246,191$134,060,931$67,753,296$658,433,232
96$1,344,553,273$140,471,887$69,865,002$721,701,389
97$1,481,534,701$147,192,003$72,042,473$791,253,128
98$1,632,483,099$154,236,270$74,287,755$867,721,709
99$1,798,822,937$161,620,409$76,602,957$951,804,634
100$1,982,123,975$169,360,908$78,990,254$1,044,270,174