Can I retire at age 52 with 17,800,000?

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 $17,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$1,469,907$1,456,814$1,444,040$1,431,572$1,419,397$1,376,719
2 years$727,677$714,125$700,990$688,256$675,903$633,265
3 years$480,299$466,688$453,587$440,972$428,821$387,560
4 years$356,634$343,065$330,095$317,696$305,839$266,271
5 years$282,455$268,967$256,167$244,021$232,494$194,726
6 years$233,018$219,632$207,021$195,145$183,964$148,031
7 years$197,720$184,447$172,036$160,440$149,612$115,512
8 years$171,259$158,105$145,900$134,589$124,118$91,829
9 years$150,688$137,659$125,664$114,640$104,525$74,014
10 years$134,242$121,339$109,556$98,821$89,061$60,283
11 years$120,794$108,021$96,452$86,004$76,595$49,502
12 years$109,596$96,954$85,598$75,437$66,376$40,913
13 years$100,128$87,618$76,477$66,599$57,881$33,988
14 years$92,019$79,643$68,715$59,119$50,738$28,355
15 years$84,998$72,755$62,040$52,724$44,674$23,736
16 years$78,861$66,751$56,248$47,209$39,483$19,925
17 years$73,451$61,475$51,184$42,417$35,008$16,765
18 years$68,648$56,806$46,724$38,226$31,128$14,134
19 years$64,355$52,647$42,774$34,540$27,745$11,935
20 years$60,497$48,922$39,256$31,283$24,782$10,091
21 years$57,010$45,569$36,108$28,391$22,177$8,542
22 years$53,845$42,537$33,279$25,814$19,879$7,238
23 years$50,959$39,784$30,727$23,510$17,844$6,138
24 years$48,317$37,275$28,417$21,442$16,039$5,208
25 years$45,891$34,981$26,320$19,582$14,433$4,422
26 years$43,655$32,876$24,411$17,905$13,000$3,756
27 years$41,588$30,941$22,667$16,389$11,721$3,192
28 years$39,672$29,155$21,072$15,016$10,576$2,714
29 years$37,892$27,505$19,610$13,770$9,550$2,308
30 years$36,233$25,975$18,266$12,637$8,629$1,963
31 years$34,684$24,555$17,028$11,606$7,801$1,670
32 years$33,235$23,234$15,888$10,666$7,057$1,421
33 years$31,877$22,003$14,835$9,809$6,386$1,209
34 years$30,602$20,854$13,861$9,025$5,782$1,029
35 years$29,401$19,780$12,959$8,308$5,237$876
36 years$28,271$18,774$12,122$7,651$4,745$746
37 years$27,203$17,831$11,346$7,050$4,301$635
38 years$26,195$16,946$10,625$6,498$3,899$541
39 years$25,240$16,114$9,955$5,991$3,536$460
40 years$24,335$15,331$9,331$5,526$3,207$392
41 years$23,477$14,593$8,749$5,099$2,909$334
42 years$22,662$13,898$8,207$4,705$2,640$284
43 years$21,887$13,242$7,701$4,344$2,396$242
44 years$21,149$12,623$7,229$4,011$2,175$206
45 years$20,446$12,037$6,788$3,704$1,974$176
46 years$19,775$11,483$6,375$3,421$1,793$150
47 years$19,135$10,958$5,989$3,161$1,628$127
48 years$18,524$10,461$5,628$2,921$1,478$109
49 years$17,939$9,990$5,290$2,699$1,343$92
50 years$17,379$9,542$4,974$2,495$1,220$79

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $17,800,000, adding $3,058 every year, while hoping to spend $40,809 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: 70/17/13 Blend
51$17,800,000$17,800,000$17,800,000$17,800,000
52$19,618,754$18,675,354$18,399,454$20,936,076
53$21,576,447$19,547,026$18,972,416$22,682,582
54$23,732,456$20,460,042$19,563,203$24,588,036
55$26,106,968$21,416,385$20,172,372$26,672,242
56$28,722,224$22,418,134$20,800,492$28,952,807
57$31,602,736$23,467,467$21,448,153$31,449,103
58$34,775,511$24,566,669$22,115,962$34,182,457
59$38,270,312$25,718,135$22,804,546$37,176,336
60$42,119,935$26,924,375$23,514,550$40,456,575
61$46,360,521$28,188,022$24,246,639$44,051,612
62$51,031,893$29,511,834$25,001,501$47,992,751
63$56,177,937$30,898,705$25,779,842$52,314,456
64$61,847,013$32,351,668$26,582,393$57,054,672
65$68,092,411$33,873,902$27,409,906$62,255,173
66$74,972,854$35,468,740$28,263,155$67,961,961
67$82,553,056$37,139,680$29,142,942$74,225,683
68$90,904,327$38,890,383$30,050,090$81,102,114
69$100,105,250$40,724,694$30,985,449$88,652,672
70$110,242,421$42,646,639$31,949,897$96,944,993
71$121,411,265$44,660,442$32,944,336$106,053,564
72$133,716,942$46,770,531$33,969,699$116,060,418
73$147,275,332$48,981,548$35,026,945$127,055,905
74$162,214,134$51,298,363$36,117,067$139,139,531
75$178,674,071$53,726,078$37,241,083$152,420,899
76$196,810,215$56,270,045$38,400,049$167,020,727
77$216,793,455$58,935,875$39,595,048$183,071,984
78$238,812,107$61,729,452$40,827,201$200,721,138
79$263,073,690$64,656,944$42,097,662$220,129,526
80$289,806,892$67,724,819$43,407,619$241,474,869
81$319,263,721$70,939,861$44,758,300$264,952,942
82$351,721,887$74,309,180$46,150,969$290,779,408
83$387,487,423$77,840,234$47,586,930$319,191,847
84$426,897,576$81,540,842$49,067,528$350,451,986
85$470,323,988$85,419,202$50,594,149$384,848,157
86$518,176,203$89,483,912$52,168,222$422,698,011
87$570,905,539$93,743,986$53,791,220$464,351,497
88$629,009,340$98,208,878$55,464,663$510,194,159
89$693,035,680$102,888,500$57,190,116$560,650,758
90$763,588,529$107,793,245$58,969,194$616,189,269
91$841,333,459$112,934,015$60,803,563$677,325,280
92$927,003,928$118,322,238$62,694,938$744,626,851
93$1,021,408,200$123,969,899$64,645,090$818,719,852
94$1,125,436,978$129,889,566$66,655,842$900,293,858
95$1,240,071,814$136,094,419$68,729,077$990,108,642
96$1,366,394,372$142,598,278$70,866,734$1,089,001,324
97$1,505,596,640$149,415,636$73,070,812$1,197,894,259
98$1,658,992,186$156,561,691$75,343,373$1,317,803,719
99$1,828,028,556$164,052,380$77,686,542$1,449,849,470
100$2,014,300,939$171,904,417$80,102,511$1,595,265,316