Can I retire at age 52 with 15,200,000?

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 $15,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$1,255,202$1,244,021$1,233,113$1,222,466$1,212,069$1,187,597
2 years$621,387$609,814$598,598$587,724$577,176$552,628
3 years$410,143$398,520$387,333$376,560$366,184$342,326
4 years$304,542$292,955$281,879$271,291$261,166$238,181
5 years$241,198$229,680$218,750$208,377$198,534$176,488
6 years$198,982$187,551$176,782$166,641$157,093$136,010
7 years$168,840$157,505$146,907$137,005$127,759$107,643
8 years$146,243$135,011$124,589$114,930$105,988$86,834
9 years$128,678$117,551$107,308$97,895$89,257$71,052
10 years$114,633$103,616$93,554$84,386$76,052$58,778
11 years$103,150$92,243$82,363$73,441$65,407$49,043
12 years$93,587$82,792$73,095$64,418$56,680$41,203
13 years$85,502$74,820$65,306$56,871$49,426$34,808
14 years$78,578$68,009$58,678$50,484$43,327$29,541
15 years$72,583$62,128$52,978$45,023$38,148$25,165
16 years$67,342$57,001$48,032$40,313$33,716$21,505
17 years$62,722$52,496$43,707$36,221$29,895$18,426
18 years$58,621$48,509$39,899$32,642$26,581$15,823
19 years$54,955$44,957$36,526$29,495$23,692$13,613
20 years$51,660$41,776$33,522$26,714$21,162$11,731
21 years$48,683$38,913$30,833$24,244$18,938$10,123
22 years$45,980$36,324$28,418$22,044$16,975$8,745
23 years$43,515$33,973$26,239$20,076$15,238$7,563
24 years$41,260$31,831$24,266$18,310$13,696$6,546
25 years$39,188$29,871$22,476$16,722$12,324$5,670
26 years$37,279$28,074$20,845$15,290$11,101$4,914
27 years$35,514$26,421$19,356$13,995$10,009$4,261
28 years$33,877$24,897$17,994$12,822$9,031$3,697
29 years$32,357$23,487$16,745$11,758$8,155$3,209
30 years$30,941$22,181$15,598$10,791$7,368$2,786
31 years$29,618$20,968$14,541$9,911$6,662$2,420
32 years$28,381$19,840$13,567$9,108$6,026$2,103
33 years$27,221$18,789$12,668$8,376$5,454$1,827
34 years$26,132$17,808$11,836$7,707$4,938$1,588
35 years$25,107$16,890$11,066$7,094$4,472$1,380
36 years$24,141$16,032$10,352$6,534$4,052$1,200
37 years$23,230$15,226$9,689$6,020$3,672$1,044
38 years$22,368$14,470$9,073$5,549$3,329$908
39 years$21,553$13,760$8,501$5,116$3,019$789
40 years$20,781$13,091$7,968$4,719$2,739$687
41 years$20,048$12,462$7,471$4,354$2,485$597
42 years$19,352$11,868$7,008$4,018$2,254$520
43 years$18,690$11,308$6,576$3,709$2,046$452
44 years$18,060$10,779$6,173$3,425$1,857$393
45 years$17,459$10,279$5,796$3,163$1,686$342
46 years$16,887$9,805$5,444$2,922$1,531$298
47 years$16,340$9,357$5,115$2,699$1,390$259
48 years$15,818$8,933$4,806$2,494$1,262$225
49 years$15,318$8,530$4,518$2,305$1,147$196
50 years$14,841$8,149$4,247$2,131$1,041$171

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $15,200,000, adding $2,214 every year, while hoping to spend $28,052 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: 52/39/9 Blend
51$15,200,000$15,200,000$15,200,000$15,200,000
52$16,752,684$15,947,084$15,711,484$17,585,301
53$18,431,610$16,698,644$16,207,971$18,903,460
54$20,280,847$17,486,090$16,720,151$20,333,010
55$22,317,737$18,311,151$17,248,519$21,886,989
56$24,561,388$19,175,640$17,793,587$23,577,137
57$27,032,861$20,081,457$18,355,883$25,416,348
58$29,755,359$21,030,595$18,935,951$27,418,785
59$32,754,454$22,025,143$19,534,354$29,600,009
60$36,058,324$23,067,291$20,151,671$31,977,116
61$39,698,021$24,159,336$20,788,500$34,568,897
62$43,707,762$25,303,686$21,445,457$37,396,002
63$48,125,254$26,502,867$22,123,180$40,481,130
64$52,992,048$27,759,525$22,822,325$43,849,236
65$58,353,932$29,076,437$23,543,568$47,527,758
66$64,261,364$30,456,514$24,287,609$51,546,866
67$70,769,948$31,902,808$25,055,168$55,939,738
68$77,940,955$33,418,518$25,846,989$60,742,865
69$85,841,909$35,007,001$26,663,839$65,996,384
70$94,547,215$36,671,776$27,506,509$71,744,445
71$104,138,870$38,416,532$28,375,816$78,035,622
72$114,707,230$40,245,137$29,272,602$84,923,355
73$126,351,868$42,161,650$30,197,735$92,466,441
74$139,182,511$44,170,323$31,152,111$100,729,584
75$153,320,077$46,275,618$32,136,656$109,783,985
76$168,897,814$48,482,213$33,152,323$119,708,003
77$186,062,561$50,795,012$34,200,097$130,587,882
78$204,976,134$53,219,159$35,280,991$142,518,546
79$225,816,849$55,760,047$36,396,054$155,604,484
80$248,781,212$58,423,334$37,546,366$169,960,714
81$274,085,768$61,214,949$38,733,041$185,713,856
82$301,969,147$64,141,113$39,957,230$203,003,307
83$332,694,321$67,208,348$41,220,117$221,982,538
84$366,551,078$70,423,493$42,522,928$242,820,523
85$403,858,765$73,793,722$43,866,923$265,703,311
86$444,969,300$77,326,555$45,253,406$290,835,763
87$490,270,493$81,029,881$46,683,720$318,443,464
88$540,189,709$84,911,971$48,159,250$348,774,823
89$595,197,902$88,981,500$49,681,427$382,103,397
90$655,814,058$93,247,564$51,251,725$418,730,446
91$722,610,101$97,719,703$52,871,667$458,987,748
92$796,216,285$102,407,922$54,542,821$503,240,705
93$877,327,148$107,322,712$56,266,807$551,891,757
94$966,708,068$112,475,076$58,045,297$605,384,154
95$1,065,202,489$117,876,553$59,880,012$664,206,103
96$1,173,739,882$123,539,243$61,772,732$728,895,346
97$1,293,344,521$129,475,837$63,725,290$800,044,194
98$1,425,145,154$135,699,645$65,739,579$878,305,086
99$1,570,385,655$142,224,623$67,817,550$964,396,704
100$1,730,436,772$149,065,409$69,961,218$1,059,110,718