Can I retire at age 52 with 18,300,000?

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 $18,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$1,511,197$1,497,736$1,484,603$1,471,784$1,459,268$1,404,700
2 years$748,117$734,184$720,681$707,589$694,889$640,538
3 years$493,791$479,798$466,328$453,359$440,866$388,441
4 years$366,652$352,702$339,368$326,620$314,430$264,330
5 years$290,389$276,523$263,363$250,875$239,024$191,381
6 years$239,564$225,802$212,837$200,627$189,132$143,977
7 years$203,274$189,628$176,868$164,946$153,815$111,137
8 years$176,069$162,546$149,998$138,369$127,604$87,363
9 years$154,921$141,526$129,193$117,860$107,461$69,602
10 years$138,012$124,748$112,634$101,597$91,562$56,015
11 years$124,187$111,056$99,161$88,419$78,747$45,435
12 years$112,674$99,678$88,003$77,556$68,240$37,079
13 years$102,940$90,079$78,625$68,470$59,507$30,408
14 years$94,604$81,880$70,645$60,780$52,163$25,034
15 years$87,386$74,799$63,783$54,205$45,929$20,675
16 years$81,076$68,626$57,828$48,535$40,592$17,119
17 years$75,514$63,202$52,621$43,608$35,992$14,205
18 years$70,576$58,402$48,037$39,300$32,002$11,807
19 years$66,163$54,126$43,975$35,511$28,524$9,827
20 years$62,196$50,297$40,358$32,162$25,478$8,189
21 years$58,611$46,849$37,122$29,189$22,800$6,831
22 years$55,357$43,732$34,214$26,539$20,437$5,703
23 years$52,390$40,902$31,590$24,170$18,346$4,764
24 years$49,675$38,322$29,216$22,044$16,489$3,982
25 years$47,180$35,964$27,059$20,132$14,838$3,330
26 years$44,881$33,800$25,096$18,408$13,365$2,786
27 years$42,756$31,810$23,304$16,849$12,050$2,331
28 years$40,787$29,974$21,664$15,437$10,873$1,951
29 years$38,956$28,277$20,160$14,156$9,818$1,634
30 years$37,251$26,705$18,779$12,992$8,871$1,368
31 years$35,659$25,245$17,507$11,932$8,020$1,146
32 years$34,169$23,887$16,334$10,966$7,255$960
33 years$32,773$22,621$15,251$10,084$6,566$804
34 years$31,461$21,440$14,250$9,278$5,945$674
35 years$30,227$20,335$13,323$8,541$5,384$564
36 years$29,065$19,301$12,463$7,866$4,878$473
37 years$27,967$18,332$11,665$7,248$4,421$396
38 years$26,930$17,422$10,924$6,680$4,008$332
39 years$25,949$16,566$10,235$6,160$3,635$278
40 years$25,019$15,761$9,593$5,681$3,297$233
41 years$24,137$15,003$8,995$5,242$2,991$196
42 years$23,299$14,289$8,438$4,838$2,714$164
43 years$22,502$13,614$7,918$4,466$2,463$137
44 years$21,743$12,977$7,432$4,123$2,236$115
45 years$21,020$12,375$6,978$3,808$2,030$96
46 years$20,331$11,805$6,554$3,517$1,843$81
47 years$19,673$11,266$6,158$3,250$1,674$68
48 years$19,044$10,755$5,786$3,003$1,520$57
49 years$18,443$10,270$5,439$2,775$1,380$48
50 years$17,867$9,810$5,113$2,565$1,254$40

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $18,300,000, adding $6,811 every year, while hoping to spend $30,718 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: 67/20/13 Blend
51$18,300,000$18,300,000$18,300,000$18,300,000
52$20,173,626$19,203,726$18,920,076$21,465,363
53$22,198,652$20,112,024$19,521,214$23,235,124
54$24,429,201$21,063,800$20,141,462$25,165,129
55$26,886,204$22,061,151$20,781,426$27,274,547
56$29,592,726$23,106,277$21,441,733$29,580,954
57$32,574,184$24,201,484$22,123,030$32,103,686
58$35,858,584$25,349,191$22,825,986$34,864,021
59$39,476,792$26,551,933$23,551,288$37,885,371
60$43,462,816$27,812,369$24,299,648$41,193,500
61$47,854,136$29,133,288$25,071,798$44,816,763
62$52,692,051$30,517,612$25,868,496$48,786,370
63$58,022,072$31,968,407$26,690,523$53,136,670
64$63,894,351$33,488,887$27,538,683$57,905,476
65$70,364,155$35,082,422$28,413,809$63,134,411
66$77,492,385$36,752,547$29,316,758$68,869,300
67$85,346,154$38,502,967$30,248,415$75,160,589
68$93,999,417$40,337,568$31,209,693$82,063,823
69$103,533,675$42,260,426$32,201,534$89,640,156
70$114,038,735$44,275,813$33,224,911$97,956,926
71$125,613,567$46,388,209$34,280,827$107,088,280
72$138,367,233$48,602,313$35,370,317$117,115,868
73$152,419,917$50,923,053$36,494,449$128,129,604
74$167,904,061$53,355,594$37,654,325$140,228,506
75$184,965,612$55,905,356$38,851,082$153,521,625
76$203,765,405$58,578,018$40,085,894$168,129,060
77$224,480,676$61,379,540$41,359,970$184,183,084
78$247,306,737$64,316,170$42,674,561$201,829,384
79$272,458,820$67,394,459$44,030,956$221,228,421
80$300,174,111$70,621,278$45,430,483$242,556,939
81$330,713,982$74,003,833$46,874,517$266,009,617
82$364,366,467$77,549,679$48,364,472$291,800,896
83$401,448,975$81,266,741$49,901,809$320,166,992
84$442,311,287$85,163,329$51,488,038$351,368,110
85$487,338,863$89,248,157$53,124,711$385,690,884
86$536,956,475$93,530,364$54,813,437$423,451,076
87$591,632,217$98,019,534$56,555,869$464,996,533
88$651,881,930$102,725,718$58,353,717$510,710,457
89$718,274,066$107,659,457$60,208,745$561,015,009
90$791,435,055$112,831,804$62,122,773$616,375,270
91$872,055,221$118,254,354$64,097,676$677,303,620
92$960,895,299$123,939,262$66,135,394$744,364,551
93$1,058,793,614$129,899,280$68,237,924$818,179,974
94$1,166,673,997$136,147,779$70,407,329$899,435,076
95$1,285,554,507$142,698,783$72,645,737$988,884,756
96$1,416,557,042$149,566,999$74,955,344$1,087,360,740
97$1,560,917,929$156,767,850$77,338,417$1,195,779,395
98$1,719,999,596$164,317,514$79,797,292$1,315,150,368
99$1,895,303,437$172,232,954$82,334,383$1,446,586,078
100$2,088,483,982$180,531,962$84,952,179$1,591,312,202