Can I retire at age 52 with 18,400,000?

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 $18,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$1,519,455$1,505,920$1,492,716$1,479,827$1,467,242$1,452,524
2 years$752,205$738,196$724,619$711,455$698,687$683,862
3 years$496,489$482,419$468,877$455,836$443,275$428,805
4 years$368,656$354,629$341,222$328,404$316,148$302,143
5 years$291,976$278,034$264,802$252,246$240,331$226,832
6 years$240,873$227,035$214,000$201,723$190,165$177,190
7 years$204,385$190,664$177,835$165,848$154,655$142,208
8 years$177,031$163,434$150,818$139,126$128,302$116,382
9 years$155,768$142,299$129,899$118,504$108,048$96,653
10 years$138,767$125,430$113,249$102,152$92,063$81,184
11 years$124,866$111,663$99,703$88,903$79,177$68,806
12 years$113,290$100,222$88,484$77,980$68,613$58,740
13 years$103,503$90,572$79,054$68,844$59,832$50,445
14 years$95,121$82,327$71,031$61,112$52,448$43,535
15 years$87,863$75,207$64,131$54,501$46,180$37,726
16 years$81,519$69,001$58,144$48,800$40,814$32,806
17 years$75,927$63,548$52,909$43,846$36,188$28,612
18 years$70,962$58,721$48,299$39,514$32,177$25,017
19 years$66,524$54,422$44,216$35,705$28,680$21,921
20 years$62,536$50,571$40,579$32,337$25,617$19,244
21 years$58,932$47,105$37,325$29,348$22,925$16,922
22 years$55,660$43,971$34,400$26,684$20,549$14,901
23 years$52,677$41,125$31,763$24,302$18,446$13,137
24 years$49,946$38,532$29,375$22,165$16,580$11,594
25 years$47,438$36,160$27,207$20,242$14,919$10,243
26 years$45,127$33,985$25,233$18,508$13,439$9,056
27 years$42,990$31,984$23,431$16,941$12,116$8,012
28 years$41,010$30,138$21,783$15,522$10,932$7,094
29 years$39,169$28,432$20,270$14,234$9,872$6,284
30 years$37,454$26,851$18,881$13,063$8,920$5,569
31 years$35,854$25,383$17,602$11,997$8,064$4,938
32 years$34,356$24,017$16,423$11,026$7,295$4,380
33 years$32,952$22,745$15,335$10,139$6,602$3,886
34 years$31,633$21,557$14,328$9,329$5,977$3,449
35 years$30,392$20,446$13,395$8,588$5,414$3,062
36 years$29,223$19,407$12,531$7,909$4,905$2,719
37 years$28,120$18,432$11,729$7,287$4,446$2,415
38 years$27,078$17,517$10,984$6,717$4,030$2,146
39 years$26,091$16,657$10,290$6,193$3,655$1,906
40 years$25,156$15,848$9,645$5,712$3,315$1,694
41 years$24,269$15,085$9,044$5,270$3,008$1,506
42 years$23,426$14,367$8,484$4,864$2,729$1,338
43 years$22,625$13,689$7,961$4,490$2,477$1,190
44 years$21,862$13,048$7,473$4,146$2,248$1,058
45 years$21,135$12,443$7,017$3,829$2,041$940
46 years$20,442$11,870$6,590$3,537$1,853$836
47 years$19,780$11,327$6,191$3,267$1,683$744
48 years$19,148$10,813$5,818$3,019$1,528$661
49 years$18,543$10,326$5,469$2,790$1,388$588
50 years$17,965$9,864$5,141$2,579$1,261$523

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $18,400,000, adding $5,350 every year, while hoping to spend $47,992 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: 60/31/9 Blend
51$18,400,000$18,400,000$18,400,000$18,400,000
52$20,282,319$19,307,119$19,021,919$21,458,036
53$22,300,052$20,202,104$19,608,090$23,142,218
54$24,521,986$21,139,336$20,212,289$24,972,466
55$26,968,897$22,120,832$20,835,070$26,967,597
56$29,663,683$23,148,711$21,477,003$29,143,490
57$32,631,571$24,225,190$22,138,675$31,517,603
58$35,900,363$25,352,596$22,820,692$34,109,132
59$39,500,693$26,533,367$23,523,678$36,939,183
60$43,466,319$27,770,057$24,248,277$40,030,967
61$47,834,441$29,065,348$24,995,152$43,410,013
62$52,646,050$30,422,045$25,764,985$47,104,404
63$57,946,317$31,843,095$26,558,482$51,145,027
64$63,785,017$33,331,583$27,376,367$55,565,867
65$70,217,002$34,890,744$28,219,389$60,404,312
66$77,302,717$36,523,971$29,088,319$65,701,504
67$85,108,767$38,234,818$29,983,950$71,502,713
68$93,708,550$40,027,014$30,907,102$77,857,759
69$103,182,951$41,904,466$31,858,618$84,821,470
70$113,621,098$43,871,271$32,839,368$92,454,192
71$125,121,212$45,931,724$33,850,249$100,822,349
72$137,791,525$48,090,329$34,892,182$109,999,056
73$151,751,312$50,351,806$35,966,121$120,064,799
74$167,132,005$52,721,104$37,073,046$131,108,184
75$184,078,444$55,203,413$38,213,967$143,226,759
76$202,750,238$57,804,173$39,389,928$156,527,925
77$223,323,272$60,529,087$40,602,000$171,129,931
78$245,991,370$63,384,136$41,851,291$187,162,983
79$270,968,121$66,375,590$43,138,940$204,770,449
80$298,488,898$69,510,022$44,466,123$224,110,207
81$328,813,078$72,794,326$45,834,051$245,356,111
82$362,226,491$76,235,727$47,243,971$268,699,617
83$399,044,119$79,841,803$48,697,170$294,351,575
84$439,613,066$83,620,499$50,194,972$322,544,199
85$484,315,838$87,580,143$51,738,744$353,533,237
86$533,573,955$91,729,471$53,329,892$387,600,369
87$587,851,923$96,077,640$54,969,868$425,055,840
88$647,661,626$100,634,252$56,660,166$466,241,370
89$713,567,157$105,409,375$58,402,327$511,533,355
90$786,190,139$110,413,566$60,197,937$561,346,392
91$866,215,598$115,657,896$62,048,633$616,137,174
92$954,398,427$121,153,971$63,956,100$676,408,768
93$1,051,570,513$126,913,962$65,922,076$742,715,336
94$1,158,648,591$132,950,631$67,948,350$815,667,340
95$1,276,642,895$139,277,360$70,036,768$895,937,273
96$1,406,666,701$145,908,182$72,189,231$984,265,972
97$1,549,946,832$152,857,810$74,407,697$1,081,469,580
98$1,707,835,240$160,141,674$76,694,186$1,188,447,213
99$1,881,821,772$167,775,953$79,050,779$1,306,189,413
100$2,073,548,231$175,777,613$81,479,618$1,435,787,457