Can I retire at age 52 with 15,800,000?

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 $15,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$1,304,749$1,293,127$1,281,788$1,270,721$1,259,914$1,240,063
2 years$645,915$633,886$622,227$610,924$599,959$580,011
3 years$426,333$414,251$402,622$391,425$380,639$361,214
4 years$316,563$304,519$293,006$281,999$271,475$252,723
5 years$250,719$238,746$227,385$216,603$206,371$188,347
6 years$206,836$194,954$183,761$173,219$163,294$146,018
7 years$175,504$163,722$152,706$142,413$132,802$116,280
8 years$152,016$140,340$129,507$119,467$110,172$94,400
9 years$133,757$122,191$111,544$101,759$92,781$77,752
10 years$119,158$107,706$97,247$87,717$79,054$64,755
11 years$107,222$95,884$85,614$76,340$67,989$54,406
12 years$97,282$86,060$75,981$66,961$58,918$46,034
13 years$88,877$77,773$67,884$59,116$51,377$39,174
14 years$81,680$70,694$60,994$52,477$45,037$33,494
15 years$75,448$64,580$55,069$46,800$39,654$28,750
16 years$70,000$59,251$49,928$41,904$35,047$24,759
17 years$65,198$54,568$45,433$37,651$31,075$21,381
18 years$60,935$50,423$41,474$33,931$27,630$18,508
19 years$57,124$46,732$37,968$30,659$24,627$16,053
20 years$53,699$43,425$34,845$27,768$21,998$13,948
21 years$50,604$40,449$32,051$25,201$19,685$12,136
22 years$47,795$37,758$29,540$22,914$17,645$10,574
23 years$45,233$35,314$27,275$20,868$15,839$9,222
24 years$42,889$33,087$25,224$19,033$14,237$8,051
25 years$40,735$31,051$23,363$17,382$12,811$7,035
26 years$38,750$29,182$21,668$15,893$11,540$6,151
27 years$36,915$27,464$20,120$14,547$10,404$5,382
28 years$35,215$25,879$18,705$13,328$9,388$4,711
29 years$33,634$24,414$17,406$12,222$8,477$4,126
30 years$32,162$23,057$16,213$11,217$7,659$3,615
31 years$30,787$21,796$15,115$10,302$6,925$3,169
32 years$29,501$20,624$14,103$9,468$6,264$2,778
33 years$28,295$19,531$13,168$8,707$5,669$2,437
34 years$27,163$18,511$12,303$8,011$5,133$2,137
35 years$26,098$17,557$11,503$7,374$4,649$1,875
36 years$25,094$16,664$10,760$6,792$4,212$1,646
37 years$24,147$15,827$10,072$6,258$3,817$1,444
38 years$23,251$15,042$9,432$5,768$3,461$1,268
39 years$22,404$14,303$8,836$5,318$3,138$1,113
40 years$21,601$13,608$8,282$4,905$2,847$977
41 years$20,839$12,954$7,766$4,526$2,583$858
42 years$20,116$12,337$7,285$4,177$2,343$754
43 years$19,428$11,754$6,836$3,856$2,127$662
44 years$18,773$11,204$6,417$3,560$1,930$581
45 years$18,149$10,684$6,025$3,288$1,753$511
46 years$17,553$10,192$5,659$3,037$1,591$449
47 years$16,985$9,727$5,316$2,806$1,445$394
48 years$16,442$9,285$4,996$2,593$1,312$346
49 years$15,923$8,867$4,696$2,396$1,192$304
50 years$15,426$8,470$4,415$2,215$1,082$267

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $15,800,000, adding $3,371 every year, while hoping to spend $40,052 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: 35/41/24 Blend
51$15,800,000$15,800,000$15,800,000$15,800,000
52$17,415,077$16,577,677$16,332,777$17,897,849
53$19,148,800$17,347,368$16,837,310$19,025,668
54$21,058,020$18,153,432$17,357,403$20,237,824
55$23,160,596$18,997,608$17,893,534$21,544,930
56$25,476,207$19,881,721$18,446,197$22,955,482
57$28,026,536$20,807,681$19,015,901$24,478,794
58$30,835,480$21,777,494$19,603,170$26,125,074
59$33,929,368$22,793,261$20,208,546$27,905,515
60$37,337,216$23,857,183$20,832,584$29,832,394
61$41,090,996$24,971,569$21,475,860$31,919,178
62$45,225,942$26,138,840$22,138,965$34,180,644
63$49,780,877$27,361,533$22,822,510$36,633,011
64$54,798,586$28,642,307$23,527,123$39,294,078
65$60,326,212$29,983,951$24,253,453$42,183,390
66$66,415,709$31,389,388$25,002,167$45,322,409
67$73,124,326$32,861,682$25,773,953$48,734,704
68$80,515,149$34,404,046$26,569,523$52,446,165
69$88,657,698$36,019,849$27,389,606$56,485,237
70$97,628,583$37,712,621$28,234,958$60,883,173
71$107,512,224$39,486,065$29,106,354$65,674,320
72$118,401,650$41,344,061$30,004,596$70,896,427
73$130,399,378$43,290,680$30,930,510$76,590,990
74$143,618,378$45,330,187$31,884,945$82,803,627
75$158,183,141$47,467,054$32,868,780$89,584,497
76$174,230,854$49,705,973$33,882,917$96,988,752
77$191,912,695$52,051,859$34,928,288$105,077,049
78$211,395,258$54,509,868$36,005,853$113,916,098
79$232,862,127$57,085,404$37,116,602$123,579,278
80$256,515,610$59,784,135$38,261,554$134,147,310
81$282,578,647$62,612,003$39,441,762$145,708,997
82$311,296,915$65,575,237$40,658,307$158,362,047
83$342,941,147$68,680,370$41,912,306$172,213,966
84$377,809,687$71,934,251$43,204,911$187,383,059
85$416,231,306$75,344,061$44,537,307$203,999,514
86$458,568,310$78,917,330$45,910,717$222,206,616
87$505,219,952$82,661,954$47,326,401$242,162,064
88$556,626,209$86,586,211$48,785,657$264,039,440
89$613,271,929$90,698,782$50,289,823$288,029,817
90$675,691,412$95,008,769$51,840,279$314,343,532
91$744,473,454$99,525,717$53,438,446$343,212,138
92$820,266,902$104,259,633$55,085,790$374,890,567
93$903,786,783$109,221,011$56,783,820$409,659,490
94$995,821,049$114,420,855$58,534,093$447,827,942
95$1,097,238,024$119,870,705$60,338,212$489,736,194
96$1,208,994,591$125,582,658$62,197,831$535,758,931
97$1,332,145,234$131,569,404$64,114,654$586,308,748
98$1,467,851,989$137,844,245$66,090,435$641,839,998
99$1,617,395,413$144,421,134$68,126,986$702,853,042
100$1,782,186,675$151,314,700$70,226,170$769,898,924