Can I retire at age 52 with 15,600,000?

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 $15,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$1,288,233$1,276,759$1,265,563$1,254,636$1,243,966$1,197,449
2 years$637,739$625,862$614,351$603,190$592,365$546,032
3 years$420,936$409,008$397,526$386,470$375,821$331,130
4 years$312,556$300,664$289,297$278,430$268,038$225,331
5 years$247,545$235,724$224,506$213,861$203,758$163,144
6 years$204,218$192,487$181,434$171,026$161,227$122,735
7 years$173,283$161,650$150,773$140,610$131,121$94,739
8 years$150,092$138,564$127,867$117,954$108,777$74,474
9 years$132,064$120,645$110,132$100,471$91,606$59,333
10 years$117,650$106,342$96,016$86,607$78,053$47,751
11 years$105,864$94,670$84,531$75,374$67,128$38,731
12 years$96,050$84,971$75,019$66,113$58,172$31,608
13 years$87,752$76,789$67,024$58,368$50,727$25,921
14 years$80,646$69,799$60,222$51,813$44,467$21,341
15 years$74,493$63,763$54,372$46,208$39,152$17,625
16 years$69,114$58,501$49,296$41,374$34,603$14,594
17 years$64,373$53,877$44,858$37,174$30,681$12,109
18 years$60,163$49,785$40,949$33,501$27,280$10,065
19 years$56,401$46,140$37,487$30,271$24,316$8,377
20 years$53,019$42,876$34,404$27,417$21,719$6,981
21 years$49,964$39,937$31,645$24,882$19,436$5,823
22 years$47,190$37,280$29,166$22,624$17,422$4,861
23 years$44,661$34,867$26,929$20,604$15,639$4,061
24 years$42,346$32,668$24,905$18,792$14,057$3,395
25 years$40,219$30,657$23,067$17,162$12,649$2,839
26 years$38,260$28,813$21,394$15,692$11,394$2,375
27 years$36,448$27,116$19,866$14,363$10,272$1,987
28 years$34,769$25,552$18,468$13,160$9,269$1,663
29 years$33,209$24,105$17,186$12,068$8,369$1,393
30 years$31,755$22,765$16,008$11,075$7,562$1,166
31 years$30,398$21,520$14,924$10,172$6,837$977
32 years$29,128$20,362$13,924$9,348$6,185$818
33 years$27,937$19,284$13,001$8,596$5,597$685
34 years$26,819$18,277$12,147$7,909$5,068$574
35 years$25,768$17,335$11,357$7,281$4,590$481
36 years$24,776$16,453$10,624$6,706$4,159$403
37 years$23,841$15,627$9,944$6,178$3,769$338
38 years$22,957$14,851$9,312$5,695$3,417$283
39 years$22,120$14,122$8,725$5,251$3,099$237
40 years$21,328$13,436$8,177$4,843$2,811$199
41 years$20,576$12,790$7,668$4,468$2,550$167
42 years$19,861$12,181$7,193$4,124$2,314$140
43 years$19,182$11,606$6,749$3,807$2,100$117
44 years$18,535$11,063$6,335$3,515$1,906$98
45 years$17,919$10,549$5,949$3,246$1,730$82
46 years$17,331$10,063$5,587$2,998$1,571$69
47 years$16,770$9,604$5,249$2,770$1,427$58
48 years$16,234$9,168$4,933$2,560$1,296$48
49 years$15,722$8,755$4,636$2,366$1,177$41
50 years$15,231$8,363$4,359$2,187$1,069$34

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $15,600,000, adding $5,233 every year, while hoping to spend $47,775 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: 58/37/5 Blend
51$15,600,000$15,600,000$15,600,000$15,600,000
52$17,196,598$16,369,798$16,127,998$18,177,975
53$18,899,819$17,121,086$16,617,454$19,587,936
54$20,775,167$17,907,585$17,121,705$21,118,031
55$22,840,149$18,730,972$17,641,197$22,784,441
56$25,114,055$19,593,001$18,176,388$24,600,201
57$27,618,142$20,495,512$18,727,751$26,579,636
58$30,375,834$21,440,433$19,295,772$28,738,490
59$33,412,941$22,429,786$19,880,952$31,094,071
60$36,757,903$23,465,688$20,483,806$33,665,407
61$40,442,062$24,550,360$21,104,867$36,473,418
62$44,499,954$25,686,128$21,744,681$39,541,110
63$48,969,634$26,875,433$22,403,812$42,893,783
64$53,893,037$28,120,830$23,082,841$46,559,263
65$59,316,375$29,424,999$23,782,364$50,568,157
66$65,290,571$30,790,750$24,502,999$54,954,135
67$71,871,739$32,221,026$25,245,379$59,754,239
68$79,121,713$33,718,913$26,010,156$65,009,223
69$87,108,636$35,287,648$26,798,004$70,763,930
70$95,907,594$36,930,620$27,609,615$77,067,707
71$105,601,333$38,651,385$28,445,702$83,974,857
72$116,281,036$40,453,670$29,306,999$91,545,145
73$128,047,182$42,341,379$30,194,264$99,844,348
74$141,010,497$44,318,610$31,108,274$108,944,870
75$155,292,999$46,389,653$32,049,833$118,926,406
76$171,029,148$48,559,009$33,019,766$129,876,687
77$188,367,117$50,831,397$34,018,924$141,892,294
78$207,470,188$53,211,760$35,048,183$155,079,557
79$228,518,296$55,705,285$36,108,445$169,555,540
80$251,709,724$58,317,406$37,200,640$185,449,139
81$277,262,979$61,053,822$38,325,724$202,902,273
82$305,418,849$63,920,506$39,484,683$222,071,216
83$336,442,683$66,923,721$40,678,531$243,128,050
84$370,626,888$70,070,035$41,908,313$266,262,274
85$408,293,693$73,366,329$43,175,104$291,682,573
86$449,798,193$76,819,823$44,480,013$319,618,766
87$495,531,696$80,438,081$45,824,181$350,323,958
88$545,925,420$84,229,038$47,208,782$384,076,907
89$601,454,563$88,201,011$48,635,026$421,184,631
90$662,642,788$92,362,721$50,104,159$461,985,285
91$730,067,168$96,723,309$51,617,464$506,851,325
92$804,363,631$101,292,363$53,176,261$556,193,001
93$886,232,966$106,079,934$54,781,910$610,462,201
94$976,447,437$111,096,559$56,435,813$670,156,687
95$1,075,858,073$116,353,288$58,139,410$735,824,768
96$1,185,402,703$121,861,706$59,894,187$808,070,440
97$1,306,114,810$127,633,961$61,701,674$887,559,057
98$1,439,133,284$133,682,788$63,563,443$975,023,578
99$1,585,713,178$140,021,544$65,481,117$1,071,271,450
100$1,747,237,552$146,664,229$67,456,365$1,177,192,192