Can I retire at age 52 with 18,700,000?

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 $18,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$1,544,229$1,530,473$1,517,053$1,503,955$1,491,164$1,468,275
2 years$764,470$750,232$736,434$723,055$710,078$687,073
3 years$504,584$490,285$476,521$463,268$450,503$428,097
4 years$374,667$360,411$346,785$333,759$321,302$299,669
5 years$296,736$282,567$269,120$256,359$244,249$223,451
6 years$244,800$230,737$217,489$205,012$193,266$173,327
7 years$207,717$193,773$180,734$168,552$157,177$138,104
8 years$179,918$166,099$153,277$141,394$130,393$112,183
9 years$158,307$144,619$132,017$120,436$109,810$92,453
10 years$141,029$127,475$115,096$103,817$93,564$77,046
11 years$126,902$113,483$101,328$90,352$80,468$64,774
12 years$115,137$101,856$89,926$79,251$69,732$54,841
13 years$105,190$92,048$80,343$69,967$60,807$46,699
14 years$96,672$83,669$72,189$62,109$53,303$39,954
15 years$89,296$76,434$65,177$55,390$46,933$34,319
16 years$82,848$70,126$59,092$49,596$41,479$29,576
17 years$77,165$64,584$53,772$44,561$36,778$25,559
18 years$72,119$59,678$49,087$40,159$32,702$22,141
19 years$67,609$55,309$44,936$36,287$29,148$19,218
20 years$63,555$51,396$41,240$32,865$26,035$16,710
21 years$59,893$47,873$37,933$29,827$23,299$14,551
22 years$56,567$44,688$34,961$27,119$20,884$12,687
23 years$53,535$41,796$32,281$24,698$18,747$11,074
24 years$50,760$39,160$29,854$22,526$16,850$9,676
25 years$48,211$36,750$27,651$20,572$15,162$8,461
26 years$45,862$34,539$25,645$18,810$13,658$7,404
27 years$43,691$32,505$23,813$17,217$12,314$6,483
28 years$41,678$30,629$22,138$15,775$11,111$5,680
29 years$39,808$28,895$20,601$14,466$10,033$4,978
30 years$38,065$27,288$19,189$13,276$9,065$4,366
31 years$36,438$25,797$17,889$12,193$8,196$3,830
32 years$34,916$24,409$16,691$11,206$7,414$3,360
33 years$33,489$23,116$15,585$10,305$6,709$2,950
34 years$32,149$21,908$14,561$9,481$6,075$2,590
35 years$30,888$20,780$13,614$8,728$5,502$2,274
36 years$29,700$19,723$12,735$8,038$4,985$1,997
37 years$28,579$18,732$11,920$7,406$4,518$1,755
38 years$27,519$17,802$11,163$6,826$4,096$1,542
39 years$26,516$16,928$10,458$6,294$3,714$1,355
40 years$25,566$16,106$9,802$5,806$3,369$1,190
41 years$24,664$15,331$9,192$5,356$3,057$1,046
42 years$23,808$14,601$8,622$4,943$2,774$920
43 years$22,993$13,912$8,091$4,563$2,517$808
44 years$22,218$13,261$7,594$4,213$2,285$711
45 years$21,480$12,645$7,131$3,891$2,074$625
46 years$20,775$12,063$6,698$3,594$1,883$549
47 years$20,103$11,512$6,292$3,321$1,710$483
48 years$19,460$10,990$5,913$3,068$1,553$425
49 years$18,846$10,495$5,558$2,836$1,410$373
50 years$18,258$10,025$5,225$2,621$1,281$328

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $18,700,000, adding $5,561 every year, while hoping to spend $27,106 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: 33/37/30 Blend
51$18,700,000$18,700,000$18,700,000$18,700,000
52$20,613,136$19,622,036$19,332,186$21,105,664
53$22,686,835$20,554,675$19,950,974$22,415,764
54$24,971,144$21,532,105$20,589,582$23,823,902
55$27,487,514$22,556,492$21,248,647$25,341,002
56$30,259,588$23,630,108$21,928,824$26,976,745
57$33,313,416$24,755,333$22,630,790$28,741,740
58$36,677,706$25,934,666$23,355,243$30,647,612
59$40,384,093$27,170,726$24,102,905$32,707,107
60$44,467,437$28,466,258$24,874,519$34,934,197
61$48,966,153$29,824,142$25,670,853$37,344,209
62$53,922,575$31,247,399$26,492,700$39,953,956
63$59,383,350$32,739,194$27,340,878$42,781,883
64$65,399,885$34,302,848$28,216,231$45,848,238
65$72,028,829$35,941,843$29,119,630$49,175,241
66$79,332,607$37,659,832$30,051,976$52,787,291
67$87,380,012$39,460,641$31,014,195$56,711,178
68$96,246,849$41,348,289$32,007,246$60,976,327
69$106,016,656$43,326,984$33,032,118$65,615,057
70$116,781,492$45,401,143$34,089,831$70,662,877
71$128,642,802$47,575,397$35,181,438$76,158,802
72$141,712,378$49,854,601$36,308,026$82,145,708
73$156,113,413$52,243,849$37,470,718$88,670,721
74$171,981,664$54,748,481$38,670,670$95,785,642
75$189,466,734$57,374,097$39,909,078$103,547,419
76$208,733,484$60,126,571$41,187,175$112,018,668
77$229,963,589$63,012,062$42,506,235$121,268,243
78$253,357,252$66,037,030$43,867,571$131,371,864
79$279,135,096$69,208,249$45,272,538$142,412,812
80$307,540,245$72,532,823$46,722,538$154,482,693
81$338,840,621$76,018,201$48,219,014$167,682,280
82$373,331,470$79,672,199$49,763,456$182,122,437
83$411,338,152$83,503,009$51,357,405$197,925,141
84$453,219,213$87,519,226$53,002,447$215,224,609
85$499,369,765$91,729,861$54,700,221$234,168,535
86$550,225,223$96,144,366$56,452,421$254,919,454
87$606,265,410$100,772,653$58,260,791$277,656,247
88$668,019,088$105,625,120$60,127,133$302,575,798
89$736,068,951$110,712,667$62,053,308$329,894,817
90$811,057,126$116,046,729$64,041,236$359,851,855
91$893,691,232$121,639,298$66,092,897$392,709,512
92$984,751,065$127,502,951$68,210,336$428,756,885
93$1,085,095,955$133,650,877$70,395,664$468,312,252
94$1,195,672,884$140,096,911$72,651,060$511,726,037
95$1,317,525,419$146,855,561$74,978,771$559,384,072
96$1,451,803,570$153,942,042$77,381,119$611,711,195
97$1,599,774,646$161,372,314$79,860,498$669,175,212
98$1,762,835,215$169,163,113$82,419,380$732,291,263
99$1,942,524,295$177,331,992$85,060,317$801,626,630
100$2,140,537,877$185,897,364$87,785,941$877,806,041