Can I retire at age 52 with 18,000,000?

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 $18,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$1,486,423$1,473,183$1,460,265$1,447,657$1,435,345$1,404,070
2 years$735,853$722,148$708,867$695,989$683,498$652,146
3 years$485,696$471,932$458,684$445,927$433,639$403,189
4 years$360,642$346,920$333,804$321,265$309,275$279,962
5 years$285,629$271,990$259,046$246,762$235,106$207,012
6 years$235,636$222,100$209,347$197,338$186,031$159,187
7 years$199,942$186,519$173,969$162,242$151,293$125,703
8 years$173,183$159,881$147,539$136,101$125,512$101,167
9 years$152,381$139,205$127,076$115,928$105,700$82,582
10 years$135,750$122,703$110,787$99,931$90,061$68,147
11 years$122,151$109,235$97,535$86,970$77,456$56,717
12 years$110,827$98,044$86,560$76,284$67,122$47,525
13 years$101,253$88,603$77,336$67,348$58,531$40,043
14 years$93,053$80,537$69,487$59,784$51,308$33,891
15 years$85,953$73,572$62,737$53,317$45,176$28,791
16 years$79,747$67,501$56,880$47,739$39,926$24,535
17 years$74,276$62,166$51,759$42,893$35,402$20,961
18 years$69,419$57,444$47,249$38,655$31,477$17,947
19 years$65,078$53,239$43,254$34,929$28,057$15,395
20 years$61,176$49,472$39,697$31,634$25,061$13,226
21 years$57,651$46,081$36,513$28,710$22,426$11,378
22 years$54,450$43,015$33,653$26,104$20,102$9,800
23 years$51,531$40,231$31,072$23,774$18,045$8,448
24 years$48,860$37,694$28,737$21,683$16,219$7,289
25 years$46,407$35,374$26,616$19,802$14,595$6,293
26 years$44,146$33,246$24,685$18,106$13,146$5,437
27 years$42,055$31,288$22,922$16,573$11,853$4,700
28 years$40,118$29,483$21,309$15,184$10,695$4,064
29 years$38,318$27,814$19,830$13,924$9,657$3,516
30 years$36,640$26,267$18,471$12,779$8,726$3,043
31 years$35,074$24,831$17,220$11,737$7,889$2,634
32 years$33,609$23,495$16,066$10,786$7,136$2,281
33 years$32,235$22,250$15,001$9,919$6,458$1,976
34 years$30,945$21,088$14,016$9,126$5,847$1,711
35 years$29,732$20,002$13,104$8,401$5,296$1,483
36 years$28,588$18,985$12,259$7,737$4,798$1,285
37 years$27,509$18,031$11,474$7,129$4,349$1,113
38 years$26,489$17,136$10,745$6,571$3,943$965
39 years$25,524$16,295$10,067$6,059$3,575$836
40 years$24,609$15,503$9,436$5,588$3,243$725
41 years$23,741$14,757$8,848$5,156$2,942$629
42 years$22,917$14,054$8,299$4,758$2,670$545
43 years$22,133$13,391$7,788$4,392$2,423$472
44 years$21,387$12,764$7,310$4,056$2,199$410
45 years$20,676$12,172$6,864$3,745$1,997$355
46 years$19,997$11,612$6,447$3,460$1,813$308
47 years$19,350$11,081$6,057$3,196$1,646$267
48 years$18,732$10,578$5,692$2,954$1,495$232
49 years$18,140$10,102$5,350$2,730$1,358$201
50 years$17,574$9,650$5,030$2,523$1,233$174

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $18,000,000, adding $3,357 every year, while hoping to spend $49,461 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: 62/32/6 Blend
51$18,000,000$18,000,000$18,000,000$18,000,000
52$19,839,463$18,885,463$18,606,463$21,048,093
53$21,810,462$19,758,224$19,177,153$22,727,655
54$23,980,845$20,672,093$19,765,304$24,553,921
55$26,370,898$21,629,032$20,371,448$26,545,851
56$29,002,971$22,631,097$20,996,134$28,719,442
57$31,901,698$23,680,444$21,639,927$31,092,281
58$35,094,217$24,779,332$22,303,411$33,683,707
59$38,610,438$25,930,130$22,987,186$36,514,987
60$42,483,316$27,135,320$23,691,871$39,609,510
61$46,749,169$28,397,505$24,418,102$42,993,001
62$51,448,014$29,719,412$25,166,538$46,693,761
63$56,623,949$31,103,902$25,937,856$50,742,919
64$62,325,570$32,553,971$26,732,751$55,174,728
65$68,606,424$34,072,761$27,551,945$60,026,873
66$75,525,520$35,663,567$28,396,175$65,340,823
67$83,147,882$37,329,842$29,266,207$71,162,213
68$91,545,167$39,075,205$30,162,826$77,541,264
69$100,796,335$40,903,451$31,086,842$84,533,249
70$110,988,400$42,818,558$32,039,089$92,199,008
71$122,217,246$44,824,698$33,020,428$100,605,506
72$134,588,538$46,926,240$34,031,745$109,826,459
73$148,218,713$49,127,770$35,073,953$119,943,019
74$163,236,084$51,434,093$36,147,993$131,044,524
75$179,782,047$53,850,246$37,254,833$143,229,335
76$198,012,418$56,381,511$38,395,472$156,605,745
77$218,098,905$59,033,424$39,570,940$171,292,995
78$240,230,723$61,811,792$40,782,297$187,422,380
79$264,616,387$64,722,700$42,030,634$205,138,475
80$291,485,676$67,772,530$43,317,078$224,600,488
81$321,091,803$70,967,972$44,642,788$245,983,741
82$353,713,804$74,316,040$46,008,958$269,481,313
83$389,659,175$77,824,088$47,416,821$295,305,841
84$429,266,770$81,499,828$48,867,644$323,691,512
85$472,910,004$85,351,343$50,362,733$354,896,253
86$521,000,375$89,387,110$51,903,436$389,204,145
87$573,991,351$93,616,016$53,491,139$426,928,086
88$632,382,649$98,047,380$55,127,271$468,412,718
89$696,724,950$102,690,973$56,813,306$514,037,662
90$767,625,103$107,557,039$58,550,760$564,221,073
91$845,751,850$112,656,320$60,341,197$619,423,565
92$931,842,137$118,000,078$62,186,225$680,152,532
93$1,026,708,077$123,600,124$64,087,506$746,966,909
94$1,131,244,612$129,468,841$66,046,748$820,482,418
95$1,246,437,961$135,619,213$68,065,713$901,377,352
96$1,373,374,932$142,064,854$70,146,214$990,398,947
97$1,513,253,185$148,820,041$72,290,121$1,088,370,399
98$1,667,392,530$155,899,744$74,499,361$1,196,198,600
99$1,837,247,396$163,319,659$76,775,917$1,314,882,666
100$2,024,420,554$171,096,245$79,121,834$1,445,523,328