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

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 $15,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$1,263,460$1,252,205$1,241,225$1,230,508$1,220,043$1,209,821
2 years$625,475$613,826$602,537$591,591$580,973$570,670
3 years$412,841$401,142$389,881$379,038$368,593$358,529
4 years$306,545$294,882$283,734$273,075$262,884$253,136
5 years$242,784$231,191$220,189$209,748$199,840$190,438
6 years$200,291$188,785$177,945$167,737$158,127$149,081
7 years$169,950$158,541$147,873$137,906$128,599$119,915
8 years$147,205$135,899$125,408$115,686$106,686$98,362
9 years$129,524$118,325$108,014$98,539$89,845$81,879
10 years$115,387$104,297$94,169$84,941$76,552$68,941
11 years$103,829$92,850$82,905$73,924$65,837$58,574
12 years$94,203$83,337$73,576$64,842$57,053$50,131
13 years$86,065$75,312$65,735$57,245$49,752$43,163
14 years$79,095$68,457$59,064$50,816$43,612$37,349
15 years$73,060$62,537$53,326$45,319$38,399$32,453
16 years$67,785$57,376$48,348$40,578$33,937$28,298
17 years$63,135$52,841$43,995$36,459$30,091$24,749
18 years$59,006$48,828$40,162$32,857$26,756$21,701
19 years$55,316$45,253$36,766$29,689$23,848$19,070
20 years$52,000$42,051$33,742$26,889$21,302$16,791
21 years$49,003$39,169$31,036$24,404$19,062$14,808
22 years$46,282$36,563$28,605$22,189$17,087$13,079
23 years$43,802$34,197$26,411$20,208$15,338$11,566
24 years$41,531$32,040$24,426$18,431$13,786$10,239
25 years$39,446$30,068$22,623$16,832$12,405$9,074
26 years$37,524$28,259$20,982$15,390$11,174$8,048
27 years$35,747$26,595$19,484$14,087$10,075$7,143
28 years$34,100$25,060$18,113$12,907$9,091$6,344
29 years$32,570$23,642$16,855$11,836$8,209$5,638
30 years$31,144$22,327$15,700$10,862$7,417$5,013
31 years$29,813$21,106$14,637$9,976$6,706$4,459
32 years$28,568$19,971$13,656$9,168$6,066$3,969
33 years$27,400$18,913$12,751$8,431$5,489$3,533
34 years$26,304$17,925$11,914$7,757$4,970$3,146
35 years$25,272$17,002$11,139$7,141$4,502$2,803
36 years$24,300$16,137$10,420$6,577$4,079$2,497
37 years$23,383$15,326$9,753$6,060$3,697$2,226
38 years$22,516$14,566$9,133$5,585$3,351$1,984
39 years$21,695$13,850$8,557$5,150$3,039$1,769
40 years$20,918$13,178$8,020$4,750$2,757$1,577
41 years$20,180$12,544$7,520$4,382$2,501$1,407
42 years$19,479$11,946$7,054$4,044$2,269$1,255
43 years$18,813$11,382$6,620$3,734$2,059$1,119
44 years$18,179$10,850$6,214$3,447$1,869$998
45 years$17,574$10,346$5,834$3,184$1,697$891
46 years$16,998$9,870$5,480$2,941$1,541$795
47 years$16,448$9,419$5,148$2,717$1,399$709
48 years$15,922$8,992$4,838$2,511$1,271$633
49 years$15,419$8,587$4,547$2,320$1,154$565
50 years$14,938$8,202$4,275$2,145$1,048$504

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 $5,442 every year, while hoping to spend $47,786 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: 70/22/8 Blend
51$15,300,000$15,300,000$15,300,000$15,300,000
52$16,866,213$16,055,313$15,818,163$18,023,212
53$18,535,723$16,791,180$16,297,228$19,525,295
54$20,373,922$17,561,502$16,790,740$21,161,995
55$22,397,964$18,367,918$17,299,132$22,951,620
56$24,626,755$19,212,145$17,822,851$24,909,186
57$27,081,124$20,095,980$18,362,357$27,051,214
58$29,784,026$21,021,311$18,918,124$29,395,885
59$32,760,754$21,990,112$19,490,638$31,963,207
60$36,039,179$23,004,456$20,080,403$34,775,200
61$39,650,014$24,066,512$20,687,934$37,856,099
62$43,627,101$25,178,557$21,313,766$41,232,579
63$48,007,734$26,342,975$21,958,445$44,934,005
64$52,833,007$27,562,265$22,622,538$48,992,701
65$58,148,205$28,839,048$23,306,624$53,444,253
66$64,003,230$30,176,069$24,011,304$58,327,837
67$70,453,071$31,576,207$24,737,194$63,686,588
68$77,558,323$33,042,480$25,484,929$69,567,998
69$85,385,760$34,578,050$26,255,162$76,024,361
70$94,008,965$36,186,232$27,048,568$83,113,260
71$103,509,024$37,870,502$27,865,839$90,898,104
72$113,975,290$39,634,502$28,707,690$99,448,719
73$125,506,228$41,482,051$29,574,856$108,842,004
74$138,210,343$43,417,152$30,468,094$119,162,646
75$152,207,206$45,444,000$31,388,183$130,503,916
76$167,628,581$47,566,996$32,335,927$142,968,538
77$184,619,667$49,790,750$33,312,152$156,669,652
78$203,340,473$52,120,096$34,317,708$171,731,874
79$223,967,324$54,560,103$35,353,474$188,292,463
80$246,694,526$57,116,083$36,420,350$206,502,609
81$271,736,202$59,793,606$37,519,267$226,528,850
82$299,328,313$62,598,511$38,651,180$248,554,631
83$329,730,882$65,536,920$39,817,076$272,782,029
84$363,230,452$68,615,249$41,017,969$299,433,648
85$400,142,790$71,840,228$42,254,902$328,754,711
86$440,815,865$75,218,909$43,528,952$361,015,359
87$485,633,137$78,758,690$44,841,225$396,513,190
88$535,017,174$82,467,322$46,192,863$435,576,057
89$589,433,640$86,352,935$47,585,038$478,565,148
90$649,395,694$90,424,051$49,018,960$525,878,381
91$715,468,832$94,689,607$50,495,872$577,954,144
92$788,276,225$99,158,971$52,017,056$635,275,420
93$868,504,604$103,841,964$53,583,832$698,374,329
94$956,910,740$108,748,887$55,197,557$767,837,135
95$1,054,328,591$113,890,537$56,859,630$844,309,760
96$1,161,677,170$119,278,237$58,571,490$928,503,864
97$1,279,969,226$124,923,855$60,334,620$1,021,203,543
98$1,410,320,803$130,839,840$62,150,546$1,123,272,714
99$1,553,961,775$137,039,242$64,020,839$1,235,663,242
100$1,712,247,456$143,535,745$65,947,117$1,359,423,910