Can I retire at age 52 with 15,000,000?

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 $15,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$1,238,686$1,227,652$1,216,888$1,206,381$1,196,121$1,167,205
2 years$613,211$601,790$590,722$579,991$569,581$540,623
3 years$404,746$393,277$382,236$371,606$361,366$333,270
4 years$300,535$289,100$278,170$267,721$257,729$230,712
5 years$238,024$226,658$215,871$205,635$195,922$170,059
6 years$196,364$185,083$174,456$164,448$155,026$130,343
7 years$166,618$155,433$144,974$135,202$126,078$102,578
8 years$144,319$133,234$122,949$113,418$104,594$82,268
9 years$126,984$116,005$105,896$96,607$88,083$66,913
10 years$113,125$102,252$92,323$83,276$75,051$55,012
11 years$101,793$91,029$81,280$72,475$64,546$45,610
12 years$92,356$81,703$72,133$63,570$55,935$38,070
13 years$84,377$73,836$64,446$56,123$48,776$31,948
14 years$77,544$67,114$57,905$49,820$42,757$26,929
15 years$71,628$61,310$52,281$44,430$37,646$22,781
16 years$66,456$56,251$47,400$39,783$33,272$19,330
17 years$61,897$51,805$43,132$35,744$29,501$16,444
18 years$57,849$47,870$39,374$32,213$26,231$14,017
19 years$54,232$44,366$36,045$29,107$23,380$11,970
20 years$50,980$41,227$33,081$26,362$20,884$10,238
21 years$48,042$38,401$30,428$23,925$18,689$8,767
22 years$45,375$35,846$28,044$21,754$16,752$7,515
23 years$42,943$33,526$25,894$19,811$15,037$6,449
24 years$40,717$31,412$23,947$18,069$13,516$5,537
25 years$38,672$29,478$22,180$16,502$12,162$4,758
26 years$36,788$27,705$20,571$15,088$10,955$4,091
27 years$35,046$26,074$19,102$13,811$9,877$3,519
28 years$33,432$24,569$17,757$12,654$8,912$3,029
29 years$31,931$23,178$16,525$11,604$8,048$2,607
30 years$30,534$21,889$15,392$10,649$7,272$2,245
31 years$29,228$20,693$14,350$9,780$6,574$1,934
32 years$28,007$19,579$13,389$8,989$5,947$1,666
33 years$26,863$18,542$12,501$8,266$5,382$1,436
34 years$25,788$17,574$11,680$7,605$4,873$1,238
35 years$24,776$16,668$10,920$7,001$4,413$1,067
36 years$23,823$15,821$10,216$6,448$3,999$920
37 years$22,924$15,026$9,562$5,941$3,624$793
38 years$22,074$14,280$8,954$5,476$3,286$684
39 years$21,270$13,579$8,389$5,049$2,980$590
40 years$20,507$12,919$7,863$4,657$2,703$509
41 years$19,784$12,298$7,373$4,297$2,452$439
42 years$19,097$11,712$6,916$3,965$2,225$378
43 years$18,444$11,159$6,490$3,660$2,019$326
44 years$17,822$10,637$6,092$3,380$1,833$282
45 years$17,230$10,143$5,720$3,121$1,664$243
46 years$16,665$9,676$5,372$2,883$1,511$210
47 years$16,125$9,234$5,047$2,664$1,372$181
48 years$15,610$8,815$4,743$2,461$1,246$156
49 years$15,117$8,418$4,458$2,275$1,131$135
50 years$14,645$8,041$4,191$2,103$1,028$116

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $15,000,000, adding $6,306 every year, while hoping to spend $49,340 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: 66/17/17 Blend
51$15,000,000$15,000,000$15,000,000$15,000,000
52$16,536,505$15,741,505$15,509,005$17,558,839
53$18,170,731$16,460,341$15,976,059$18,962,493
54$19,969,994$17,212,747$16,457,106$20,489,961
55$21,951,077$18,000,314$16,952,562$22,158,477
56$24,132,470$18,824,714$17,462,857$23,981,863
57$26,534,551$19,687,693$17,988,431$25,975,328
58$29,179,772$20,591,087$18,529,740$28,155,610
59$32,092,874$21,536,816$19,087,252$30,541,128
60$35,301,121$22,526,894$19,661,449$33,152,157
61$38,834,555$23,563,431$20,252,827$36,011,008
62$42,726,279$24,648,639$20,861,896$39,142,245
63$47,012,774$25,784,835$21,489,183$42,572,905
64$51,734,235$26,974,451$22,135,230$46,332,754
65$56,934,960$28,220,032$22,800,593$50,454,559
66$62,663,759$29,524,247$23,485,846$54,974,401
67$68,974,421$30,889,894$24,191,580$59,932,003
68$75,926,218$32,319,904$24,918,404$65,371,105
69$83,584,465$33,817,352$25,666,943$71,339,869
70$92,021,137$35,385,459$26,437,842$77,891,334
71$101,315,548$37,027,601$27,231,765$85,083,904
72$111,555,098$38,747,318$28,049,394$92,981,900
73$122,836,102$40,548,321$28,891,432$101,656,156
74$135,264,693$42,434,497$29,758,604$111,184,689
75$148,957,829$44,409,925$30,651,654$121,653,421
76$164,044,393$46,478,876$31,571,350$133,156,989
77$180,666,411$48,645,832$32,518,481$145,799,629
78$198,980,395$50,915,487$33,493,859$159,696,156
79$219,158,814$53,292,765$34,498,322$174,973,035
80$241,391,728$55,782,825$35,532,731$191,769,572
81$265,888,579$58,391,078$36,597,972$210,239,220
82$292,880,168$61,123,195$37,694,958$230,551,016
83$322,620,834$63,985,120$38,824,628$252,891,172
84$355,390,855$66,983,087$39,987,949$277,464,822
85$391,499,093$70,123,629$41,185,916$304,497,947
86$431,285,909$73,413,596$42,419,554$334,239,501
87$475,126,380$76,860,170$43,689,916$366,963,751
88$523,433,831$80,470,879$44,998,089$402,972,849
89$576,663,746$84,253,617$46,345,189$442,599,684
90$635,318,062$88,216,658$47,732,367$486,211,001
91$699,949,909$92,368,678$49,160,806$534,210,859
92$771,168,830$96,718,774$50,631,723$587,044,427
93$849,646,538$101,276,481$52,146,373$645,202,177
94$936,123,255$106,051,798$53,706,046$709,224,497
95$1,031,414,698$111,055,208$55,312,071$779,706,778
96$1,136,419,786$116,297,702$56,965,814$857,305,021
97$1,252,129,117$121,790,802$58,668,682$942,742,013
98$1,379,634,328$127,546,592$60,422,123$1,036,814,130
99$1,520,138,393$133,577,739$62,227,628$1,140,398,842
100$1,674,966,986$139,897,525$64,086,730$1,254,462,977