Can I retire at age 52 with 18,500,000?

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 $18,500,000?

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$1,527,713$1,514,105$1,500,828$1,487,869$1,475,216$1,420,052
2 years$756,293$742,208$728,557$715,322$702,484$647,538
3 years$499,187$485,041$471,425$458,314$445,685$392,686
4 years$370,659$356,557$343,077$330,189$317,866$267,219
5 years$293,563$279,545$266,242$253,617$241,637$193,472
6 years$242,182$228,269$215,163$202,820$191,199$145,551
7 years$205,496$191,700$178,801$166,749$155,496$112,351
8 years$177,994$164,322$151,638$139,882$128,999$88,318
9 years$156,614$143,072$130,605$119,148$108,636$70,362
10 years$139,521$126,111$113,865$102,707$92,563$56,627
11 years$125,544$112,269$100,245$89,386$79,607$45,931
12 years$113,906$100,767$88,965$78,403$68,986$37,484
13 years$104,065$91,064$79,484$69,218$60,157$30,740
14 years$95,638$82,775$71,417$61,444$52,733$25,308
15 years$88,341$75,616$64,480$54,798$46,431$20,901
16 years$81,962$69,376$58,460$49,065$41,036$17,306
17 years$76,340$63,893$53,197$44,085$36,385$14,360
18 years$71,347$59,040$48,562$39,729$32,352$11,936
19 years$66,886$54,718$44,456$35,899$28,836$9,935
20 years$62,876$50,846$40,799$32,513$25,757$8,279
21 years$59,252$47,361$37,528$29,508$23,049$6,906
22 years$55,962$44,210$34,587$26,829$20,660$5,765
23 years$52,963$41,349$31,935$24,434$18,546$4,816
24 years$50,218$38,741$29,535$22,285$16,670$4,026
25 years$47,696$36,357$27,355$20,352$15,000$3,366
26 years$45,372$34,169$25,371$18,609$13,512$2,816
27 years$43,224$32,157$23,559$17,033$12,182$2,357
28 years$41,232$30,302$21,901$15,606$10,992$1,973
29 years$39,382$28,586$20,381$14,311$9,925$1,652
30 years$37,658$26,997$18,984$13,134$8,968$1,383
31 years$36,048$25,521$17,698$12,063$8,108$1,158
32 years$34,543$24,148$16,513$11,086$7,334$970
33 years$33,131$22,868$15,418$10,194$6,638$813
34 years$31,805$21,674$14,406$9,380$6,010$681
35 years$30,558$20,557$13,468$8,635$5,443$571
36 years$29,382$19,512$12,599$7,952$4,932$478
37 years$28,273$18,532$11,793$7,327$4,470$401
38 years$27,225$17,612$11,043$6,753$4,052$336
39 years$26,233$16,747$10,346$6,227$3,675$281
40 years$25,292$15,934$9,698$5,743$3,333$236
41 years$24,400$15,167$9,093$5,299$3,024$198
42 years$23,553$14,445$8,530$4,890$2,744$166
43 years$22,748$13,763$8,004$4,514$2,490$139
44 years$21,981$13,119$7,513$4,168$2,260$116
45 years$21,250$12,510$7,055$3,850$2,052$98
46 years$20,553$11,934$6,626$3,556$1,863$82
47 years$19,888$11,389$6,225$3,285$1,692$69
48 years$19,252$10,872$5,850$3,036$1,536$57
49 years$18,644$10,382$5,498$2,805$1,395$48
50 years$18,062$9,918$5,169$2,593$1,267$40

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $18,500,000, adding $6,239 every year, while hoping to spend $51,773 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: 53/39/8 Blend
51$18,500,000$18,500,000$18,500,000$18,500,000
52$20,393,436$19,412,936$19,126,186$21,433,881
53$22,418,480$20,309,083$19,711,827$23,036,339
54$24,648,344$21,247,407$20,315,352$24,772,621
55$27,103,863$22,229,919$20,937,305$26,660,307
56$29,808,000$23,258,728$21,578,247$28,713,714
57$32,786,054$24,336,043$22,238,756$30,948,572
58$36,065,906$25,464,183$22,919,429$33,382,162
59$39,678,276$26,645,576$23,620,877$36,033,472
60$43,657,017$27,882,766$24,343,734$38,923,367
61$48,039,434$29,178,423$25,088,650$42,074,781
62$52,866,634$30,535,344$25,856,298$45,512,923
63$58,183,915$31,956,459$26,647,367$49,265,506
64$64,041,191$33,444,843$27,462,572$53,363,001
65$70,493,470$35,003,718$28,302,645$57,838,912
66$77,601,363$36,636,459$29,168,343$62,730,085
67$85,431,664$38,346,608$30,060,445$68,077,046
68$94,057,978$40,137,875$30,979,753$73,924,368
69$103,561,412$42,014,152$31,927,095$80,321,083
70$114,031,347$43,979,516$32,903,324$87,321,134
71$125,566,275$46,038,243$33,909,316$94,983,868
72$138,274,733$48,194,815$34,945,976$103,374,587
73$152,276,326$50,453,931$36,014,236$112,565,145
74$167,702,855$52,820,517$37,115,057$122,634,618
75$184,699,562$55,299,738$38,249,427$133,670,031
76$203,426,499$57,897,008$39,418,365$145,767,163
77$224,060,043$60,618,002$40,622,922$159,031,439
78$246,794,556$63,468,673$41,864,178$173,578,900
79$271,844,222$66,455,259$43,143,249$189,537,289
80$299,445,067$69,584,301$44,461,282$207,047,231
81$329,857,189$72,862,657$45,819,460$226,263,542
82$363,367,213$76,297,518$47,219,003$247,356,670
83$400,290,994$79,896,421$48,661,164$270,514,282
84$440,976,600$83,667,271$50,147,239$295,943,012
85$485,807,601$87,618,354$51,678,558$323,870,388
86$535,206,681$91,758,359$53,256,495$354,546,951
87$589,639,640$96,096,395$54,882,465$388,248,600
88$649,619,779$100,642,015$56,557,923$425,279,163
89$715,712,754$105,405,231$58,284,371$465,973,238
90$788,541,914$110,396,546$60,063,356$510,699,323
91$868,794,181$115,626,969$61,896,471$559,863,257
92$957,226,540$121,108,044$63,785,356$613,912,024
93$1,054,673,184$126,851,875$65,731,702$673,337,934
94$1,162,053,386$132,871,154$67,737,251$738,683,236
95$1,280,380,180$139,179,189$69,803,798$810,545,195
96$1,410,769,924$145,789,934$71,933,190$889,581,693
97$1,554,452,837$152,718,021$74,127,332$976,517,396
98$1,712,784,615$159,978,793$76,388,186$1,072,150,551
99$1,887,259,228$167,588,336$78,717,773$1,177,360,476
100$2,079,523,025$175,563,521$81,118,175$1,293,115,810