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%12%
1 years$1,246,944$1,235,837$1,225,000$1,214,423$1,204,095$1,194,006
2 years$617,299$605,802$594,660$583,857$573,379$563,211
3 years$407,445$395,899$384,785$374,083$363,775$353,843
4 years$302,538$291,027$280,025$269,506$259,447$249,827
5 years$239,611$228,169$217,311$207,006$197,228$187,948
6 years$197,673$186,317$175,619$165,545$156,060$147,132
7 years$167,729$156,469$145,940$136,103$126,918$118,347
8 years$145,281$134,123$123,769$114,174$105,291$97,076
9 years$127,831$116,778$106,602$97,251$88,670$80,809
10 years$113,879$102,934$92,938$83,831$75,551$68,039
11 years$102,471$91,636$81,821$72,958$64,977$57,808
12 years$92,972$82,248$72,614$63,994$56,307$49,476
13 years$84,940$74,328$64,876$56,497$49,101$42,599
14 years$78,061$67,562$58,292$50,152$43,042$36,860
15 years$72,105$61,719$52,629$44,727$37,897$32,028
16 years$66,899$56,626$47,716$40,048$33,494$27,928
17 years$62,310$52,150$43,420$35,983$29,698$24,425
18 years$58,235$48,189$39,637$32,428$26,406$21,417
19 years$54,593$44,661$36,286$29,301$23,536$18,821
20 years$51,320$41,502$33,301$26,538$21,023$16,571
21 years$48,362$38,657$30,631$24,085$18,813$14,615
22 years$45,677$36,085$28,231$21,899$16,863$12,908
23 years$43,229$33,750$26,066$19,943$15,138$11,415
24 years$40,988$31,621$24,107$18,190$13,606$10,105
25 years$38,930$29,675$22,328$16,612$12,243$8,955
26 years$37,033$27,890$20,708$15,189$11,028$7,942
27 years$35,280$26,247$19,229$13,903$9,943$7,050
28 years$33,655$24,733$17,876$12,738$8,972$6,261
29 years$32,144$23,333$16,635$11,681$8,101$5,564
30 years$30,737$22,035$15,495$10,720$7,320$4,948
31 years$29,423$20,830$14,445$9,846$6,618$4,401
32 years$28,194$19,710$13,478$9,048$5,986$3,917
33 years$27,042$18,666$12,584$8,321$5,418$3,487
34 years$25,960$17,691$11,758$7,656$4,905$3,105
35 years$24,942$16,779$10,993$7,048$4,443$2,766
36 years$23,982$15,926$10,284$6,491$4,025$2,465
37 years$23,077$15,126$9,625$5,980$3,648$2,196
38 years$22,221$14,375$9,014$5,512$3,308$1,958
39 years$21,411$13,669$8,445$5,083$2,999$1,746
40 years$20,644$13,005$7,915$4,688$2,721$1,557
41 years$19,916$12,380$7,422$4,325$2,468$1,388
42 years$19,225$11,790$6,962$3,992$2,240$1,238
43 years$18,567$11,234$6,533$3,685$2,033$1,104
44 years$17,941$10,708$6,132$3,402$1,845$985
45 years$17,345$10,211$5,758$3,142$1,675$879
46 years$16,776$9,741$5,408$2,902$1,521$784
47 years$16,233$9,296$5,081$2,681$1,381$700
48 years$15,714$8,874$4,775$2,478$1,254$625
49 years$15,218$8,474$4,488$2,290$1,139$557
50 years$14,743$8,095$4,219$2,117$1,035$497

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 $4,680 every year, while hoping to spend $56,970 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: 70/8/22 Blend
51$15,100,000$15,100,000$15,100,000$15,100,000
52$16,645,027$15,844,727$15,610,677$17,718,664
53$18,282,205$16,560,503$16,073,019$19,152,185
54$20,084,464$17,309,443$16,548,941$20,713,667
55$22,068,585$18,093,111$17,038,836$22,421,534
56$24,253,055$18,913,148$17,543,110$24,290,276
57$26,658,245$19,771,270$18,062,183$26,335,848
58$29,306,602$20,669,279$18,596,483$28,575,814
59$32,222,863$21,609,061$19,146,452$31,029,515
60$35,434,282$22,592,592$19,712,545$33,718,244
61$38,970,893$23,621,943$20,295,230$36,665,451
62$42,865,792$24,699,286$20,894,988$39,896,956
63$47,155,446$25,826,895$21,512,314$43,441,194
64$51,880,042$27,007,153$22,147,716$47,329,481
65$57,083,860$28,242,557$22,801,719$51,596,304
66$62,815,698$29,535,726$23,474,860$56,279,648
67$69,129,325$30,889,403$24,167,694$61,421,346
68$76,083,995$32,306,463$24,880,790$67,067,479
69$83,745,001$33,789,918$25,614,735$73,268,799
70$92,184,293$35,342,926$26,370,131$80,081,211
71$101,481,158$36,968,796$27,147,597$87,566,295
72$111,722,966$38,670,997$27,947,772$95,791,887
73$123,005,997$40,453,164$28,771,311$104,832,709
74$135,436,347$42,319,107$29,618,887$114,771,077
75$149,130,929$44,272,819$30,491,196$125,697,674
76$164,218,582$46,318,485$31,388,949$137,712,396
77$180,841,279$48,460,492$32,312,880$150,925,298
78$199,155,471$50,703,438$33,263,743$165,457,624
79$219,333,565$53,052,143$34,242,315$181,442,949
80$241,565,548$55,511,657$35,249,391$199,028,436
81$266,060,782$58,087,276$36,285,794$218,376,217
82$293,049,980$60,784,551$37,352,366$239,664,923
83$322,787,382$63,609,298$38,449,975$263,091,359
84$355,553,158$66,567,616$39,579,512$288,872,364
85$391,656,049$69,665,899$40,741,894$317,246,846
86$431,436,284$72,910,845$41,938,066$348,478,034
87$475,268,789$76,309,481$43,168,995$382,855,958
88$523,566,729$79,869,169$44,435,680$420,700,177
89$576,785,405$83,597,628$45,739,145$462,362,793
90$635,426,555$87,502,950$47,080,445$508,231,764
91$700,043,087$91,593,618$48,460,663$558,734,562
92$771,244,300$95,878,524$49,880,913$614,342,203
93$849,701,636$100,366,989$51,342,342$675,573,679
94$936,155,019$105,068,788$52,846,126$743,000,855
95$1,031,419,838$109,994,165$54,393,478$817,253,858
96$1,136,394,643$115,153,861$55,985,641$899,027,015
97$1,252,069,634$120,559,137$57,623,897$989,085,403
98$1,379,535,999$126,221,797$59,309,560$1,088,272,055
99$1,519,996,224$132,154,219$61,043,984$1,197,515,915
100$1,674,775,441$138,369,377$62,828,559$1,317,840,595