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

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 $15,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$1,246,944$1,235,837$1,225,000$1,214,423$1,204,095$1,180,750
2 years$617,299$605,802$594,660$583,857$573,379$549,953
3 years$407,445$395,899$384,785$374,083$363,775$341,000
4 years$302,538$291,027$280,025$269,506$259,447$237,498
5 years$239,611$228,169$217,311$207,006$197,228$176,167
6 years$197,673$186,317$175,619$165,545$156,060$135,911
7 years$167,729$156,469$145,940$136,103$126,918$107,686
8 years$145,281$134,123$123,769$114,174$105,291$86,969
9 years$127,831$116,778$106,602$97,251$88,670$71,248
10 years$113,879$102,934$92,938$83,831$75,551$59,012
11 years$102,471$91,636$81,821$72,958$64,977$49,301
12 years$92,972$82,248$72,614$63,994$56,307$41,473
13 years$84,940$74,328$64,876$56,497$49,101$35,083
14 years$78,061$67,562$58,292$50,152$43,042$29,815
15 years$72,105$61,719$52,629$44,727$37,897$25,434
16 years$66,899$56,626$47,716$40,048$33,494$21,765
17 years$62,310$52,150$43,420$35,983$29,698$18,676
18 years$58,235$48,189$39,637$32,428$26,406$16,061
19 years$54,593$44,661$36,286$29,301$23,536$13,838
20 years$51,320$41,502$33,301$26,538$21,023$11,943
21 years$48,362$38,657$30,631$24,085$18,813$10,321
22 years$45,677$36,085$28,231$21,899$16,863$8,930
23 years$43,229$33,750$26,066$19,943$15,138$7,735
24 years$40,988$31,621$24,107$18,190$13,606$6,705
25 years$38,930$29,675$22,328$16,612$12,243$5,817
26 years$37,033$27,890$20,708$15,189$11,028$5,050
27 years$35,280$26,247$19,229$13,903$9,943$4,386
28 years$33,655$24,733$17,876$12,738$8,972$3,812
29 years$32,144$23,333$16,635$11,681$8,101$3,314
30 years$30,737$22,035$15,495$10,720$7,320$2,882
31 years$29,423$20,830$14,445$9,846$6,618$2,507
32 years$28,194$19,710$13,478$9,048$5,986$2,182
33 years$27,042$18,666$12,584$8,321$5,418$1,899
34 years$25,960$17,691$11,758$7,656$4,905$1,654
35 years$24,942$16,779$10,993$7,048$4,443$1,440
36 years$23,982$15,926$10,284$6,491$4,025$1,254
37 years$23,077$15,126$9,625$5,980$3,648$1,092
38 years$22,221$14,375$9,014$5,512$3,308$952
39 years$21,411$13,669$8,445$5,083$2,999$829
40 years$20,644$13,005$7,915$4,688$2,721$722
41 years$19,916$12,380$7,422$4,325$2,468$629
42 years$19,225$11,790$6,962$3,992$2,240$549
43 years$18,567$11,234$6,533$3,685$2,033$478
44 years$17,941$10,708$6,132$3,402$1,845$417
45 years$17,345$10,211$5,758$3,142$1,675$363
46 years$16,776$9,741$5,408$2,902$1,521$316
47 years$16,233$9,296$5,081$2,681$1,381$276
48 years$15,714$8,874$4,775$2,478$1,254$240
49 years$15,218$8,474$4,488$2,290$1,139$210
50 years$14,743$8,095$4,219$2,117$1,035$183

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 $2,819 every year, while hoping to spend $23,717 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: 47/26/27 Blend
51$15,100,000$15,100,000$15,100,000$15,100,000
52$16,643,108$15,842,808$15,608,758$17,296,442
53$18,315,470$16,593,871$16,106,416$18,508,301
54$20,157,618$17,380,941$16,619,952$19,820,444
55$22,186,846$18,205,757$17,149,871$21,244,351
56$24,422,209$19,070,144$17,696,696$22,790,536
57$26,884,707$19,976,013$18,260,968$24,470,546
58$29,597,479$20,925,371$18,843,243$26,297,071
59$32,586,026$21,920,318$19,444,095$28,284,051
60$35,878,448$22,963,060$20,064,119$30,446,806
61$39,505,708$24,055,909$20,703,926$32,802,177
62$43,501,931$25,201,289$21,364,148$35,368,675
63$47,904,717$26,401,742$22,045,437$38,166,649
64$52,755,504$27,659,933$22,748,465$41,218,476
65$58,099,953$28,978,657$23,473,926$44,548,763
66$63,988,383$30,360,846$24,222,536$48,184,571
67$70,476,242$31,809,572$24,995,036$52,155,663
68$77,624,637$33,328,058$25,792,187$56,494,781
69$85,500,901$34,919,685$26,614,777$61,237,942
70$94,179,239$36,587,995$27,463,618$66,424,772
71$103,741,421$38,336,707$28,339,549$72,098,869
72$114,277,556$40,169,716$29,243,434$78,308,212
73$125,886,944$42,091,109$30,176,167$85,105,593
74$138,679,012$44,105,173$31,138,667$92,549,116
75$152,774,346$46,216,401$32,131,887$100,702,729
76$168,305,831$48,429,506$33,156,808$109,636,818
77$185,419,906$50,749,432$34,214,440$119,428,858
78$204,277,943$53,181,360$35,305,831$130,164,138
79$225,057,773$55,730,728$36,432,056$141,936,546
80$247,955,366$58,403,233$37,594,231$154,849,447
81$273,186,677$61,204,856$38,793,501$169,016,645
82$300,989,688$64,141,863$40,031,053$184,563,441
83$331,626,651$67,220,830$41,308,108$201,627,799
84$365,386,570$70,448,650$42,625,930$220,361,639
85$402,587,921$73,832,555$43,985,819$240,932,249
86$443,581,665$77,380,127$45,389,121$263,523,847
87$488,754,559$81,099,317$46,837,221$288,339,307
88$538,532,807$84,998,466$48,331,550$315,602,051
89$593,386,082$89,086,320$49,873,586$345,558,139
90$653,831,964$93,372,051$51,464,853$378,478,574
91$720,440,822$97,865,279$53,106,923$414,661,834
92$793,841,200$102,576,092$54,801,418$454,436,674
93$874,725,752$107,515,070$56,550,016$498,165,199
94$963,857,779$112,693,309$58,354,442$546,246,262
95$1,062,078,439$118,122,448$60,216,482$599,119,204
96$1,170,314,682$123,814,690$62,137,976$657,267,973
97$1,289,588,005$129,782,835$64,120,824$721,225,664
98$1,421,024,096$136,040,308$66,166,986$791,579,524
99$1,565,863,458$142,601,188$68,278,485$868,976,465
100$1,725,473,125$149,480,241$70,457,408$954,129,137