Can I retire at age 52 with 15,700,000?

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 $15,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$1,296,491$1,284,943$1,273,676$1,262,678$1,251,940$1,211,380
2 years$641,827$629,874$618,289$607,057$596,162$555,679
3 years$423,635$411,630$400,074$388,947$378,230$339,094
4 years$314,560$302,591$291,151$280,215$269,757$232,268
5 years$249,132$237,235$225,945$215,232$205,065$169,324
6 years$205,527$193,720$182,598$172,122$162,261$128,297
7 years$174,394$162,686$151,739$141,511$131,961$99,772
8 years$151,054$139,452$128,687$118,710$109,475$79,036
9 years$132,910$121,418$110,838$101,115$92,194$63,470
10 years$118,404$107,024$96,631$87,162$78,553$51,501
11 years$106,543$95,277$85,073$75,857$67,559$42,127
12 years$96,666$85,516$75,500$66,537$58,545$34,679
13 years$88,315$77,281$67,454$58,742$51,052$28,693
14 years$81,163$70,247$60,608$52,145$44,752$23,838
15 years$74,970$64,171$54,721$46,504$39,403$19,870
16 years$69,557$58,876$49,612$41,639$34,825$16,608
17 years$64,785$54,223$45,145$37,412$30,878$13,913
18 years$60,549$50,104$41,212$33,716$27,455$11,677
19 years$56,763$46,436$37,727$30,465$24,472$9,816
20 years$53,359$43,151$34,624$27,592$21,858$8,262
21 years$50,284$40,193$31,848$25,042$19,561$6,961
22 years$47,492$37,519$29,353$22,769$17,533$5,871
23 years$44,947$35,091$27,102$20,736$15,739$4,955
24 years$42,617$32,878$25,065$18,912$14,147$4,184
25 years$40,477$30,854$23,215$17,272$12,730$3,536
26 years$38,505$28,998$21,531$15,792$11,467$2,989
27 years$36,682$27,290$19,993$14,455$10,338$2,528
28 years$34,992$25,716$18,586$13,244$9,328$2,138
29 years$33,421$24,260$17,296$12,145$8,423$1,810
30 years$31,958$22,911$16,111$11,146$7,611$1,532
31 years$30,592$21,658$15,019$10,237$6,881$1,297
32 years$29,314$20,493$14,013$9,408$6,224$1,098
33 years$28,116$19,407$13,084$8,651$5,633$930
34 years$26,991$18,394$12,225$7,960$5,100$787
35 years$25,933$17,446$11,430$7,328$4,619$667
36 years$24,935$16,559$10,692$6,749$4,185$565
37 years$23,994$15,727$10,008$6,218$3,793$478
38 years$23,104$14,946$9,372$5,731$3,439$405
39 years$22,262$14,213$8,780$5,284$3,119$343
40 years$21,464$13,522$8,230$4,874$2,829$291
41 years$20,707$12,872$7,717$4,497$2,566$247
42 years$19,988$12,259$7,239$4,150$2,329$209
43 years$19,305$11,680$6,793$3,831$2,113$177
44 years$18,654$11,133$6,376$3,537$1,918$150
45 years$18,034$10,617$5,987$3,267$1,741$127
46 years$17,442$10,128$5,623$3,018$1,581$108
47 years$16,878$9,665$5,283$2,788$1,436$91
48 years$16,338$9,227$4,964$2,576$1,304$77
49 years$15,822$8,811$4,666$2,381$1,184$66
50 years$15,329$8,417$4,387$2,201$1,076$56

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $15,700,000, adding $6,464 every year, while hoping to spend $39,262 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: 61/18/21 Blend
51$15,700,000$15,700,000$15,700,000$15,700,000
52$17,308,068$16,475,968$16,232,618$18,268,347
53$19,031,716$17,241,516$16,734,636$19,684,306
54$20,929,861$18,043,259$17,252,156$21,224,085
55$23,020,259$18,882,931$17,785,655$22,903,733
56$25,322,477$19,762,347$18,335,627$24,736,855
57$27,858,078$20,683,410$18,902,578$26,738,412
58$30,650,820$21,648,116$19,487,033$28,924,869
59$33,726,886$22,658,555$20,089,530$31,314,335
60$37,115,125$23,716,921$20,710,626$33,926,741
61$40,847,329$24,825,512$21,350,894$36,784,016
62$44,958,532$25,986,737$22,010,924$39,910,293
63$49,487,338$27,203,123$22,691,326$43,332,131
64$54,476,287$28,477,317$23,392,726$47,078,765
65$59,972,259$29,812,096$24,115,773$51,182,371
66$66,026,911$31,210,370$24,861,133$55,678,369
67$72,697,167$32,675,190$25,629,492$60,605,751
68$80,045,759$34,209,754$26,421,561$66,007,443
69$88,141,811$35,817,417$27,238,068$71,930,704
70$97,061,500$37,501,695$28,079,767$78,427,570
71$106,888,767$39,266,272$28,947,434$85,555,331
72$117,716,116$41,115,014$29,841,867$93,377,073
73$129,645,482$43,051,972$30,763,892$101,962,265
74$142,789,197$45,081,394$31,714,358$111,387,404
75$157,271,047$47,207,734$32,694,141$121,736,733
76$173,227,442$49,435,661$33,704,143$133,103,027
77$190,808,704$51,770,072$34,745,295$145,588,462
78$210,180,484$54,216,098$35,818,555$159,305,571
79$231,525,329$56,779,122$36,924,912$174,378,294
80$255,044,401$59,464,788$38,065,385$190,943,144
81$280,959,378$62,279,010$39,241,023$209,150,484
82$309,514,547$65,227,994$40,452,910$229,165,933
83$340,979,108$68,318,243$41,702,160$251,171,925
84$375,649,718$71,556,578$42,989,923$275,369,415
85$413,853,289$74,950,150$44,317,385$301,979,768
86$455,950,074$78,506,457$45,685,767$331,246,834
87$502,337,069$82,233,360$47,096,327$363,439,241
88$553,451,760$86,139,105$48,550,364$398,852,913
89$609,776,253$90,232,335$50,049,215$437,813,855
90$671,841,826$94,522,115$51,594,259$480,681,213
91$740,233,942$99,017,948$53,186,916$527,850,651
92$815,597,777$103,729,801$54,828,651$579,758,068
93$898,644,313$108,668,123$56,520,973$636,883,702
94$990,157,046$113,843,874$58,265,439$699,756,641
95$1,090,999,384$119,268,543$60,063,650$768,959,805
96$1,202,122,800$124,954,180$61,917,261$845,135,426
97$1,324,575,810$130,913,421$63,827,975$928,991,094
98$1,459,513,878$137,159,513$65,797,546$1,021,306,417
99$1,608,210,315$143,706,350$67,827,786$1,122,940,358
100$1,772,068,308$150,568,503$69,920,558$1,234,839,322