Can I retire at age 52 with 17,900,000?

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 $17,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$1,478,165$1,464,999$1,452,153$1,439,614$1,427,371$1,380,023
2 years$731,765$718,137$704,928$692,122$679,701$632,458
3 years$482,997$469,310$456,135$443,449$431,230$385,576
4 years$358,638$344,993$331,950$319,480$307,557$263,840
5 years$284,042$270,478$257,607$245,392$233,800$192,137
6 years$234,327$220,866$208,184$196,242$184,998$145,423
7 years$198,831$185,483$173,002$161,341$150,453$112,961
8 years$172,221$158,993$146,720$135,345$124,815$89,378
9 years$151,535$138,432$126,370$115,284$105,112$71,688
10 years$134,996$122,021$110,172$99,376$89,561$58,097
11 years$121,473$108,628$96,994$86,487$77,025$47,461
12 years$110,211$97,499$86,079$75,860$66,749$39,018
13 years$100,690$88,110$76,906$66,973$58,206$32,239
14 years$92,536$80,090$69,101$59,452$51,023$26,746
15 years$85,476$73,164$62,388$53,020$44,925$22,263
16 years$79,304$67,126$56,564$47,474$39,705$18,581
17 years$73,864$61,821$51,471$42,655$35,205$15,543
18 years$69,033$57,125$46,987$38,441$31,303$13,026
19 years$64,717$52,943$43,014$34,734$27,901$10,933
20 years$60,836$49,197$39,476$31,459$24,921$9,188
21 years$57,330$45,825$36,310$28,551$22,302$7,730
22 years$54,147$42,776$33,466$25,959$19,990$6,509
23 years$51,245$40,008$30,900$23,642$17,945$5,485
24 years$48,589$37,485$28,577$21,562$16,129$4,624
25 years$46,149$35,177$26,468$19,692$14,514$3,901
26 years$43,900$33,061$24,548$18,005$13,073$3,293
27 years$41,822$31,114$22,795$16,481$11,787$2,780
28 years$39,895$29,319$21,191$15,100$10,635$2,348
29 years$38,105$27,659$19,720$13,847$9,603$1,984
30 years$36,437$26,121$18,368$12,708$8,677$1,676
31 years$34,879$24,693$17,124$11,671$7,845$1,417
32 years$33,422$23,365$15,977$10,726$7,096$1,197
33 years$32,056$22,127$14,918$9,864$6,422$1,012
34 years$30,773$20,971$13,938$9,075$5,815$856
35 years$29,567$19,891$13,031$8,354$5,267$724
36 years$28,429$18,879$12,191$7,694$4,772$612
37 years$27,356$17,931$11,410$7,089$4,325$518
38 years$26,342$17,041$10,685$6,534$3,921$438
39 years$25,382$16,204$10,011$6,025$3,556$370
40 years$24,472$15,417$9,383$5,557$3,225$313
41 years$23,609$14,675$8,798$5,127$2,926$265
42 years$22,789$13,976$8,253$4,732$2,655$224
43 years$22,010$13,317$7,745$4,368$2,409$190
44 years$21,268$12,694$7,270$4,033$2,187$160
45 years$20,561$12,104$6,826$3,725$1,985$136
46 years$19,886$11,547$6,411$3,441$1,803$115
47 years$19,243$11,020$6,023$3,179$1,637$97
48 years$18,628$10,520$5,660$2,937$1,487$82
49 years$18,039$10,046$5,320$2,714$1,350$69
50 years$17,477$9,596$5,002$2,509$1,226$59

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $17,900,000, adding $5,100 every year, while hoping to spend $59,579 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: 47/35/18 Blend
51$17,900,000$17,900,000$17,900,000$17,900,000
52$19,731,061$18,782,361$18,504,911$20,557,544
53$21,680,237$19,639,305$19,061,434$21,990,140
54$23,826,233$20,536,242$19,634,603$23,537,716
55$26,189,061$21,475,070$20,224,914$25,216,172
56$28,790,772$22,457,776$20,832,876$27,037,753
57$31,655,666$23,486,442$21,459,013$29,015,907
58$34,810,520$24,563,253$22,103,865$31,165,405
59$38,284,836$25,690,496$22,767,988$33,502,473
60$42,111,127$26,870,568$23,451,954$36,044,935
61$46,325,219$28,105,983$24,156,351$38,812,380
62$50,966,589$29,399,374$24,881,787$41,826,334
63$56,078,740$30,753,502$25,628,885$45,110,460
64$61,709,606$32,171,258$26,398,288$48,690,766
65$67,912,013$33,655,677$27,190,657$52,595,849
66$74,744,168$35,209,934$28,006,673$56,857,150
67$82,270,214$36,837,362$28,847,038$61,509,246
68$90,560,834$38,541,451$29,712,472$66,590,162
69$99,693,918$40,325,861$30,603,719$72,141,722
70$109,755,296$42,194,427$31,521,542$78,209,933
71$120,839,552$44,151,170$32,466,729$84,845,404
72$133,050,913$46,200,303$33,440,091$92,103,818
73$146,504,232$48,346,244$34,442,460$100,046,440
74$161,326,077$50,593,624$35,474,696$108,740,682
75$177,655,921$52,947,295$36,537,682$118,260,731
76$195,647,457$55,412,345$37,632,327$128,688,229
77$215,470,056$57,994,108$38,759,568$140,113,030
78$237,310,356$60,698,174$39,920,368$152,634,036
79$261,374,031$63,530,403$41,115,719$166,360,108
80$287,887,728$66,496,938$42,346,642$181,411,082
81$317,101,209$69,604,221$43,614,187$197,918,881
82$349,289,706$72,859,002$44,919,436$216,028,738
83$384,756,522$76,268,359$46,263,503$235,900,552
84$423,835,890$79,839,711$47,647,533$257,710,373
85$466,896,131$83,580,837$49,072,705$281,652,044
86$514,343,129$87,499,891$50,540,234$307,939,011
87$566,624,164$91,605,421$52,051,367$336,806,307
88$624,232,133$95,906,391$53,607,392$368,512,754
89$687,710,202$100,412,196$55,209,632$403,343,377
90$757,656,935$105,132,686$56,859,447$441,612,065
91$834,731,945$110,078,190$58,558,241$483,664,511
92$919,662,117$115,259,535$60,307,455$529,881,443
93$1,013,248,472$120,688,072$62,108,575$580,682,186
94$1,116,373,732$126,375,704$63,963,128$636,528,590
95$1,230,010,647$132,334,907$65,872,687$697,929,357
96$1,355,231,182$138,578,766$67,838,870$765,444,805
97$1,493,216,633$145,120,996$69,863,343$839,692,121
98$1,645,268,784$151,975,980$71,947,820$921,351,151
99$1,812,822,193$159,158,795$74,094,064$1,011,170,773
100$1,997,457,732$166,685,252$76,303,892$1,109,975,929