Can I retire at age 52 with 17,600,000?

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 $17,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$1,453,392$1,440,446$1,427,815$1,415,487$1,403,449$1,383,618
2 years$719,501$706,101$693,114$680,522$668,309$648,368
3 years$474,902$461,445$448,491$436,017$424,003$404,572
4 years$352,627$339,211$326,386$314,126$302,402$283,631
5 years$279,281$265,945$253,289$241,279$229,881$211,824
6 years$230,400$217,164$204,695$192,953$181,897$164,576
7 years$195,499$182,374$170,103$158,637$147,931$131,351
8 years$169,334$156,328$144,261$133,077$122,723$106,882
9 years$148,995$136,112$124,252$113,352$103,351$88,241
10 years$132,733$119,976$108,325$97,710$88,060$73,671
11 years$119,437$106,808$95,368$85,037$75,735$62,052
12 years$108,364$95,865$84,637$74,589$65,630$52,638
13 years$99,003$86,634$75,617$65,851$57,231$44,911
14 years$90,985$78,748$67,942$58,455$50,168$38,502
15 years$84,043$71,937$61,343$52,132$44,172$33,139
16 years$77,975$66,001$55,616$46,678$39,039$28,619
17 years$72,626$60,785$50,609$41,940$34,615$24,785
18 years$67,876$56,168$46,199$37,796$30,778$21,516
19 years$63,632$52,056$42,293$34,152$27,433$18,717
20 years$59,817$48,373$38,815$30,932$24,504$16,311
21 years$56,369$45,057$35,702$28,072$21,928$14,236
22 years$53,240$42,059$32,905$25,524$19,655$12,441
23 years$50,386$39,337$30,382$23,245$17,644$10,884
24 years$47,775$36,856$28,098$21,201$15,859$9,532
25 years$45,376$34,588$26,024$19,362$14,270$8,355
26 years$43,165$32,507$24,136$17,704$12,854$7,329
27 years$41,121$30,593$22,413$16,205$11,589$6,433
28 years$39,227$28,828$20,835$14,847$10,457$5,649
29 years$37,466$27,196$19,389$13,615$9,443$4,964
30 years$35,826$25,683$18,060$12,495$8,532$4,363
31 years$34,295$24,279$16,837$11,476$7,714$3,837
32 years$32,862$22,973$15,709$10,547$6,978$3,376
33 years$31,519$21,756$14,668$9,698$6,315$2,970
34 years$30,258$20,620$13,705$8,923$5,717$2,614
35 years$29,071$19,557$12,813$8,214$5,178$2,302
36 years$27,953$18,563$11,986$7,565$4,692$2,027
37 years$26,898$17,630$11,219$6,970$4,252$1,785
38 years$25,900$16,755$10,506$6,425$3,855$1,572
39 years$24,956$15,933$9,843$5,924$3,496$1,385
40 years$24,062$15,159$9,226$5,464$3,171$1,220
41 years$23,213$14,429$8,651$5,041$2,877$1,075
42 years$22,407$13,742$8,115$4,652$2,610$948
43 years$21,641$13,093$7,615$4,295$2,369$835
44 years$20,911$12,481$7,148$3,966$2,150$736
45 years$20,216$11,902$6,711$3,662$1,952$649
46 years$19,553$11,354$6,304$3,383$1,772$572
47 years$18,920$10,835$5,922$3,125$1,610$504
48 years$18,315$10,343$5,565$2,888$1,462$444
49 years$17,737$9,877$5,231$2,669$1,328$392
50 years$17,184$9,435$4,918$2,467$1,206$345

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $17,600,000, adding $6,294 every year, while hoping to spend $21,652 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: 36/41/23 Blend
51$17,600,000$17,600,000$17,600,000$17,600,000
52$19,401,692$18,468,892$18,196,092$19,965,208
53$21,357,627$19,350,830$18,782,624$21,261,806
54$23,512,342$20,275,258$19,388,078$22,658,178
55$25,886,089$21,244,234$20,013,067$24,165,249
56$28,501,186$22,259,917$20,658,221$25,792,952
57$31,382,227$23,324,573$21,324,191$27,552,172
58$34,556,312$24,440,575$22,011,650$29,454,842
59$38,053,307$25,610,414$22,721,291$31,514,045
60$41,906,121$26,836,701$23,453,831$33,744,132
61$46,151,020$28,122,174$24,210,009$36,160,843
62$50,827,969$29,469,706$24,990,589$38,781,450
63$55,981,007$30,882,307$25,796,359$41,624,907
64$61,658,666$32,363,136$26,628,133$44,712,018
65$67,914,426$33,915,505$27,486,751$48,065,625
66$74,807,219$35,542,887$28,373,080$51,710,808
67$82,401,992$37,248,925$29,288,014$55,675,110
68$90,770,311$39,037,438$30,232,479$59,988,788
69$99,991,044$40,912,433$31,207,428$64,685,078
70$110,151,099$42,878,111$32,213,845$69,800,501
71$121,346,250$44,938,878$33,252,748$75,375,188
72$133,682,039$47,099,354$34,325,186$81,453,247
73$147,274,769$49,364,385$35,432,243$88,083,160
74$162,252,609$51,739,053$36,575,036$95,318,224
75$178,756,797$54,228,689$37,754,722$103,217,040
76$196,942,976$56,838,880$38,972,491$111,844,040
77$216,982,665$59,575,490$40,229,574$121,270,085
78$239,064,874$62,444,666$41,527,242$131,573,104
79$263,397,892$65,452,857$42,866,806$142,838,814
80$290,211,254$68,606,823$44,249,620$155,161,507
81$319,757,901$71,913,657$45,677,082$168,644,912
82$352,316,577$75,380,796$47,150,635$183,403,154
83$388,194,455$79,016,042$48,671,768$199,561,805
84$427,730,036$82,827,574$50,242,018$217,259,037
85$471,296,348$86,823,974$51,862,974$236,646,908
86$519,304,466$91,014,239$53,536,275$257,892,758
87$572,207,393$95,407,808$55,263,611$281,180,764
88$630,504,335$100,014,579$57,046,730$306,713,644
89$694,745,417$104,844,933$58,887,435$334,714,536
90$765,536,872$109,909,758$60,787,587$365,429,071
91$843,546,770$115,220,473$62,749,109$399,127,654
92$929,511,320$120,789,055$64,773,982$436,107,977
93$1,024,241,821$126,628,065$66,864,257$476,697,787
94$1,128,632,324$132,750,677$69,022,047$521,257,941
95$1,243,668,070$139,170,710$71,249,535$570,185,765
96$1,370,434,792$145,902,654$73,548,974$623,918,762
97$1,510,128,967$152,961,709$75,922,690$682,938,686
98$1,664,069,107$160,363,818$78,373,085$747,776,046
99$1,833,708,211$168,125,701$80,902,639$819,015,056
100$2,020,647,481$176,264,893$83,513,910$897,299,096