Can I retire at age 52 with 15,100,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $15,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$1,246,944$1,235,837$1,225,000$1,214,423$1,204,095$1,193,010
2 years$617,299$605,802$594,660$583,857$573,379$562,210
3 years$407,445$395,899$384,785$374,083$363,775$352,869
4 years$302,538$291,027$280,025$269,506$259,447$248,889
5 years$239,611$228,169$217,311$207,006$197,228$187,047
6 years$197,673$186,317$175,619$165,545$156,060$146,269
7 years$167,729$156,469$145,940$136,103$126,918$117,522
8 years$145,281$134,123$123,769$114,174$105,291$96,290
9 years$127,831$116,778$106,602$97,251$88,670$80,061
10 years$113,879$102,934$92,938$83,831$75,551$67,328
11 years$102,471$91,636$81,821$72,958$64,977$57,134
12 years$92,972$82,248$72,614$63,994$56,307$48,837
13 years$84,940$74,328$64,876$56,497$49,101$41,994
14 years$78,061$67,562$58,292$50,152$43,042$36,290
15 years$72,105$61,719$52,629$44,727$37,897$31,490
16 years$66,899$56,626$47,716$40,048$33,494$27,421
17 years$62,310$52,150$43,420$35,983$29,698$23,949
18 years$58,235$48,189$39,637$32,428$26,406$20,969
19 years$54,593$44,661$36,286$29,301$23,536$18,401
20 years$51,320$41,502$33,301$26,538$21,023$16,178
21 years$48,362$38,657$30,631$24,085$18,813$14,247
22 years$45,677$36,085$28,231$21,899$16,863$12,564
23 years$43,229$33,750$26,066$19,943$15,138$11,094
24 years$40,988$31,621$24,107$18,190$13,606$9,806
25 years$38,930$29,675$22,328$16,612$12,243$8,676
26 years$37,033$27,890$20,708$15,189$11,028$7,683
27 years$35,280$26,247$19,229$13,903$9,943$6,809
28 years$33,655$24,733$17,876$12,738$8,972$6,037
29 years$32,144$23,333$16,635$11,681$8,101$5,357
30 years$30,737$22,035$15,495$10,720$7,320$4,755
31 years$29,423$20,830$14,445$9,846$6,618$4,223
32 years$28,194$19,710$13,478$9,048$5,986$3,752
33 years$27,042$18,666$12,584$8,321$5,418$3,335
34 years$25,960$17,691$11,758$7,656$4,905$2,965
35 years$24,942$16,779$10,993$7,048$4,443$2,637
36 years$23,982$15,926$10,284$6,491$4,025$2,345
37 years$23,077$15,126$9,625$5,980$3,648$2,087
38 years$22,221$14,375$9,014$5,512$3,308$1,857
39 years$21,411$13,669$8,445$5,083$2,999$1,653
40 years$20,644$13,005$7,915$4,688$2,721$1,471
41 years$19,916$12,380$7,422$4,325$2,468$1,310
42 years$19,225$11,790$6,962$3,992$2,240$1,166
43 years$18,567$11,234$6,533$3,685$2,033$1,038
44 years$17,941$10,708$6,132$3,402$1,845$925
45 years$17,345$10,211$5,758$3,142$1,675$824
46 years$16,776$9,741$5,408$2,902$1,521$734
47 years$16,233$9,296$5,081$2,681$1,381$654
48 years$15,714$8,874$4,775$2,478$1,254$582
49 years$15,218$8,474$4,488$2,290$1,139$519
50 years$14,743$8,095$4,219$2,117$1,035$462

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $15,100,000, adding $2,912 every year, while hoping to spend $48,615 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: 59/17/24 Blend
51$15,100,000$15,100,000$15,100,000$15,100,000
52$16,643,204$15,842,904$15,608,854$17,517,733
53$18,289,085$16,567,480$16,080,024$18,838,125
54$20,101,216$17,325,931$16,565,350$20,272,096
55$22,096,504$18,119,866$17,065,253$21,835,099
56$24,293,577$18,950,970$17,580,169$23,539,655
57$26,712,964$19,821,009$18,110,547$25,399,538
58$29,377,284$20,731,836$18,656,848$27,429,899
59$32,311,462$21,685,391$19,219,547$29,647,408
60$35,542,963$22,683,707$19,799,134$32,070,406
61$39,102,054$23,728,917$20,396,113$34,719,077
62$43,022,083$24,823,253$21,011,002$37,615,632
63$47,339,801$25,969,058$21,644,336$40,784,514
64$52,095,704$27,168,786$22,296,665$44,252,629
65$57,334,418$28,425,008$22,968,556$48,049,589
66$63,105,116$29,740,421$23,660,590$52,207,992
67$69,461,987$31,117,852$24,373,369$56,763,725
68$76,464,744$32,560,260$25,107,511$61,756,291
69$84,179,188$34,070,753$25,863,653$67,229,186
70$92,677,828$35,652,583$26,642,448$73,230,297
71$102,040,570$37,309,162$27,444,573$79,812,352
72$112,355,463$39,044,067$28,270,722$87,033,411
73$123,719,538$40,861,044$29,121,609$94,957,406
74$136,239,720$42,764,023$29,997,971$103,654,741
75$150,033,834$44,757,124$30,900,566$113,202,947
76$165,231,725$46,844,662$31,830,175$123,687,409
77$181,976,475$49,031,165$32,787,600$135,202,164
78$200,425,760$51,321,377$33,773,669$147,850,781
79$220,753,335$53,720,271$34,789,234$161,747,329
80$243,150,672$56,233,062$35,835,170$177,017,449
81$267,828,773$58,865,214$36,912,382$193,799,529
82$295,020,158$61,622,460$38,021,796$212,245,999
83$324,981,059$64,510,805$39,164,371$232,524,767
84$357,993,841$67,536,548$40,341,091$254,820,788
85$394,369,664$70,706,291$41,552,969$279,337,802
86$434,451,426$74,026,955$42,801,050$306,300,246
87$478,616,993$77,505,798$44,086,407$335,955,364
88$527,282,771$81,150,426$45,410,146$368,575,524
89$580,907,634$84,968,818$46,773,406$404,460,784
90$639,997,257$88,969,334$48,177,360$443,941,704
91$705,108,888$93,160,742$49,623,212$487,382,461
92$776,856,611$97,552,234$51,112,206$535,184,265
93$855,917,139$102,153,448$52,645,619$587,789,140
94$943,036,208$106,974,488$54,224,768$645,684,076
95$1,039,035,611$112,025,948$55,851,008$709,405,612
96$1,144,820,959$117,318,935$57,525,732$779,544,885
97$1,261,390,230$122,865,095$59,250,377$856,753,195
98$1,389,843,188$128,676,640$61,026,419$941,748,130
99$1,531,391,770$134,766,372$62,855,381$1,035,320,327
100$1,687,371,521$141,147,714$64,738,826$1,138,340,916