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%16.1%
1 years$1,288,233$1,276,759$1,265,563$1,254,636$1,243,966$1,212,909
2 years$637,739$625,862$614,351$603,190$592,365$561,272
3 years$420,936$409,008$397,526$386,470$375,821$345,664
4 years$312,556$300,664$289,297$278,430$268,038$239,051
5 years$247,545$235,724$224,506$213,861$203,758$176,020
6 years$204,218$192,487$181,434$171,026$161,227$134,765
7 years$173,283$161,650$150,773$140,610$131,121$105,938
8 years$150,092$138,564$127,867$117,954$108,777$84,863
9 years$132,064$120,645$110,132$100,471$91,606$68,940
10 years$117,650$106,342$96,016$86,607$78,053$56,609
11 years$105,864$94,670$84,531$75,374$67,128$46,874
12 years$96,050$84,971$75,019$66,113$58,172$39,073
13 years$87,752$76,789$67,024$58,368$50,727$32,746
14 years$80,646$69,799$60,222$51,813$44,467$27,564
15 years$74,493$63,763$54,372$46,208$39,152$23,286
16 years$69,114$58,501$49,296$41,374$34,603$19,731
17 years$64,373$53,877$44,858$37,174$30,681$16,760
18 years$60,163$49,785$40,949$33,501$27,280$14,266
19 years$56,401$46,140$37,487$30,271$24,316$12,164
20 years$53,019$42,876$34,404$27,417$21,719$10,388
21 years$49,964$39,937$31,645$24,882$19,436$8,882
22 years$47,190$37,280$29,166$22,624$17,422$7,602
23 years$44,661$34,867$26,929$20,604$15,639$6,513
24 years$42,346$32,668$24,905$18,792$14,057$5,584
25 years$40,219$30,657$23,067$17,162$12,649$4,790
26 years$38,260$28,813$21,394$15,692$11,394$4,112
27 years$36,448$27,116$19,866$14,363$10,272$3,532
28 years$34,769$25,552$18,468$13,160$9,269$3,034
29 years$33,209$24,105$17,186$12,068$8,369$2,608
30 years$31,755$22,765$16,008$11,075$7,562$2,242
31 years$30,398$21,520$14,924$10,172$6,837$1,928
32 years$29,128$20,362$13,924$9,348$6,185$1,658
33 years$27,937$19,284$13,001$8,596$5,597$1,427
34 years$26,819$18,277$12,147$7,909$5,068$1,228
35 years$25,768$17,335$11,357$7,281$4,590$1,057
36 years$24,776$16,453$10,624$6,706$4,159$909
37 years$23,841$15,627$9,944$6,178$3,769$783
38 years$22,957$14,851$9,312$5,695$3,417$674
39 years$22,120$14,122$8,725$5,251$3,099$580
40 years$21,328$13,436$8,177$4,843$2,811$499
41 years$20,576$12,790$7,668$4,468$2,550$430
42 years$19,861$12,181$7,193$4,124$2,314$370
43 years$19,182$11,606$6,749$3,807$2,100$319
44 years$18,535$11,063$6,335$3,515$1,906$275
45 years$17,919$10,549$5,949$3,246$1,730$236
46 years$17,331$10,063$5,587$2,998$1,571$204
47 years$16,770$9,604$5,249$2,770$1,427$175
48 years$16,234$9,168$4,933$2,560$1,296$151
49 years$15,722$8,755$4,636$2,366$1,177$130
50 years$15,231$8,363$4,359$2,187$1,069$112

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 $2,819 every year, while hoping to spend $25,148 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: 83/5/12 Blend
51$15,600,000$15,600,000$15,600,000$15,600,000
52$17,194,108$16,367,308$16,125,508$18,584,848
53$18,921,150$17,142,549$16,638,955$20,271,547
54$20,823,507$17,954,933$17,168,760$22,119,950
55$22,919,035$18,806,256$17,715,444$24,149,176
56$25,227,410$19,698,396$18,279,545$26,377,389
57$27,770,314$20,633,326$18,861,618$28,824,592
58$30,571,641$21,613,113$19,462,237$31,512,819
59$33,657,719$22,639,926$20,081,992$34,466,339
60$37,057,561$23,716,037$20,721,494$37,711,884
61$40,803,140$24,843,831$21,381,372$41,278,902
62$44,929,688$26,025,806$22,062,275$45,199,829
63$49,476,029$27,264,584$22,764,875$49,510,397
64$54,484,948$28,562,913$23,489,862$54,249,970
65$60,003,591$29,923,674$24,237,951$59,461,910
66$66,083,913$31,349,889$25,009,878$65,193,988
67$72,783,167$32,844,728$25,806,403$71,498,831
68$80,164,443$34,411,513$26,628,310$78,434,419
69$88,297,267$36,053,728$27,476,410$86,064,625
70$97,258,254$37,775,027$28,351,536$94,459,824
71$107,131,835$39,579,242$29,254,551$103,697,546
72$118,011,048$41,470,390$30,186,344$113,863,213
73$129,998,421$43,452,686$31,147,833$125,050,937
74$143,206,938$45,530,546$32,139,964$137,364,411
75$157,761,108$47,708,605$33,163,715$150,917,880
76$173,798,136$49,991,722$34,220,094$165,837,221
77$191,469,221$52,384,991$35,310,142$182,261,127
78$210,940,982$54,893,756$36,434,932$200,342,411
79$232,397,032$57,523,620$37,595,573$220,249,448
80$256,039,712$60,280,460$38,793,207$242,167,760
81$282,091,998$63,170,438$40,029,015$266,301,766
82$310,799,609$66,200,016$41,304,214$292,876,703
83$342,433,323$69,375,972$42,620,060$322,140,756
84$377,291,540$72,705,412$43,977,849$354,367,389
85$415,703,090$76,195,791$45,378,921$389,857,930
86$458,030,345$79,854,924$46,824,654$428,944,405
87$504,672,634$83,691,009$48,316,474$471,992,673
88$556,070,017$87,712,643$49,855,850$519,405,873
89$612,707,438$91,928,841$51,444,300$571,628,222
90$675,119,301$96,349,059$53,083,388$629,149,212
91$743,894,519$100,983,212$54,774,731$692,508,217
92$819,682,071$105,841,700$56,519,995$762,299,583
93$903,197,127$110,935,429$58,320,900$839,178,237
94$995,227,805$116,275,836$60,179,221$923,865,855
95$1,096,642,606$121,874,917$62,096,790$1,017,157,680
96$1,208,398,616$127,745,252$64,075,497$1,119,930,013
97$1,331,550,541$133,900,035$66,117,292$1,233,148,486
98$1,467,260,663$140,353,104$68,224,188$1,357,877,167
99$1,616,809,815$147,118,969$70,398,262$1,495,288,603
100$1,781,609,469$154,212,852$72,641,657$1,646,674,875