Can I retire at age 52 with 15,300,000?

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 $15,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$1,263,460$1,252,205$1,241,225$1,230,508$1,220,043$1,180,989
2 years$625,475$613,826$602,537$591,591$580,973$541,987
3 years$412,841$401,142$389,881$379,038$368,593$330,898
4 years$306,545$294,882$283,734$273,075$262,884$226,769
5 years$242,784$231,191$220,189$209,748$199,840$165,402
6 years$200,291$188,785$177,945$167,737$158,127$125,394
7 years$169,950$158,541$147,873$137,906$128,599$97,570
8 years$147,205$135,899$125,408$115,686$106,686$77,337
9 years$129,524$118,325$108,014$98,539$89,845$62,144
10 years$115,387$104,297$94,169$84,941$76,552$50,457
11 years$103,829$92,850$82,905$73,924$65,837$41,300
12 years$94,203$83,337$73,576$64,842$57,053$34,020
13 years$86,065$75,312$65,735$57,245$49,752$28,167
14 years$79,095$68,457$59,064$50,816$43,612$23,417
15 years$73,060$62,537$53,326$45,319$38,399$19,533
16 years$67,785$57,376$48,348$40,578$33,937$16,338
17 years$63,135$52,841$43,995$36,459$30,091$13,697
18 years$59,006$48,828$40,162$32,857$26,756$11,504
19 years$55,316$45,253$36,766$29,689$23,848$9,678
20 years$52,000$42,051$33,742$26,889$21,302$8,152
21 years$49,003$39,169$31,036$24,404$19,062$6,874
22 years$46,282$36,563$28,605$22,189$17,087$5,802
23 years$43,802$34,197$26,411$20,208$15,338$4,900
24 years$41,531$32,040$24,426$18,431$13,786$4,142
25 years$39,446$30,068$22,623$16,832$12,405$3,503
26 years$37,524$28,259$20,982$15,390$11,174$2,963
27 years$35,747$26,595$19,484$14,087$10,075$2,508
28 years$34,100$25,060$18,113$12,907$9,091$2,124
29 years$32,570$23,642$16,855$11,836$8,209$1,798
30 years$31,144$22,327$15,700$10,862$7,417$1,523
31 years$29,813$21,106$14,637$9,976$6,706$1,291
32 years$28,568$19,971$13,656$9,168$6,066$1,094
33 years$27,400$18,913$12,751$8,431$5,489$927
34 years$26,304$17,925$11,914$7,757$4,970$786
35 years$25,272$17,002$11,139$7,141$4,502$666
36 years$24,300$16,137$10,420$6,577$4,079$565
37 years$23,383$15,326$9,753$6,060$3,697$479
38 years$22,516$14,566$9,133$5,585$3,351$406
39 years$21,695$13,850$8,557$5,150$3,039$344
40 years$20,918$13,178$8,020$4,750$2,757$292
41 years$20,180$12,544$7,520$4,382$2,501$247
42 years$19,479$11,946$7,054$4,044$2,269$210
43 years$18,813$11,382$6,620$3,734$2,059$178
44 years$18,179$10,850$6,214$3,447$1,869$151
45 years$17,574$10,346$5,834$3,184$1,697$128
46 years$16,998$9,870$5,480$2,941$1,541$109
47 years$16,448$9,419$5,148$2,717$1,399$92
48 years$15,922$8,992$4,838$2,511$1,271$78
49 years$15,419$8,587$4,547$2,320$1,154$66
50 years$14,938$8,202$4,275$2,145$1,048$56

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $15,300,000, adding $4,375 every year, while hoping to spend $34,737 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: 69/23/8 Blend
51$15,300,000$15,300,000$15,300,000$15,300,000
52$16,865,113$16,054,213$15,817,063$18,004,669
53$18,548,394$16,803,909$16,309,975$19,509,733
54$20,402,207$17,589,177$16,818,235$21,150,917
55$22,443,907$18,411,721$17,342,320$22,945,273
56$24,692,621$19,273,332$17,882,724$24,907,817
57$27,169,427$20,175,884$18,439,954$27,055,068
58$29,897,549$21,121,342$19,014,533$29,405,206
59$32,902,580$22,111,769$19,607,001$31,978,231
60$36,212,722$23,149,324$20,217,914$34,796,156
61$39,859,051$24,236,273$20,847,846$37,883,206
62$43,875,815$25,374,991$21,497,389$41,266,040
63$48,300,748$26,567,966$22,167,152$44,974,007
64$53,175,438$27,817,810$22,857,765$49,039,407
65$58,545,709$29,127,258$23,569,876$53,497,799
66$64,462,057$30,499,180$24,304,153$58,388,328
67$70,980,131$31,936,584$25,061,287$63,754,091
68$78,161,252$33,442,624$25,841,987$69,642,533
69$86,072,992$35,020,605$26,646,986$76,105,896
70$94,789,818$36,673,996$27,477,041$83,201,699
71$104,393,788$38,406,430$28,332,930$90,993,282
72$114,975,328$40,221,719$29,215,457$99,550,387
73$126,634,086$42,123,858$30,125,450$108,949,818
74$139,479,873$44,117,037$31,063,762$119,276,154
75$153,633,697$46,205,649$32,031,275$130,622,540
76$169,228,908$48,394,299$33,028,897$143,091,560
77$186,412,455$50,687,817$34,057,562$156,796,192
78$205,346,272$53,091,267$35,118,238$171,860,872
79$226,208,811$55,609,958$36,211,918$188,422,652
80$249,196,721$58,249,458$37,339,628$206,632,490
81$274,526,708$61,015,603$38,502,427$226,656,661
82$302,437,579$63,914,515$39,701,406$248,678,315
83$333,192,498$66,952,611$40,937,688$272,899,199
84$367,081,466$70,136,622$42,212,434$299,541,544
85$404,424,063$73,473,605$43,526,839$328,850,154
86$445,572,465$76,970,959$44,882,135$361,094,703
87$490,914,764$80,636,444$46,279,594$396,572,267
88$540,878,636$84,478,195$47,720,526$435,610,113
89$595,935,375$88,504,745$49,206,282$478,568,775
90$656,604,346$92,725,040$50,738,255$525,845,441
91$723,457,884$97,148,462$52,317,882$577,877,686
92$797,126,700$101,784,848$53,946,642$635,147,586
93$878,305,832$106,644,515$55,626,064$698,186,250
94$967,761,210$111,738,279$57,357,721$767,578,816
95$1,066,336,885$117,077,487$59,143,236$843,969,955
96$1,174,962,996$122,674,032$60,984,283$928,069,935
97$1,294,664,552$128,540,390$62,882,587$1,020,661,304
98$1,426,571,110$134,689,642$64,839,927$1,122,606,260
99$1,571,927,436$141,135,508$66,858,137$1,234,854,759
100$1,732,105,258$147,892,372$68,939,109$1,358,453,464