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%17%
1 years$1,304,749$1,293,127$1,281,788$1,270,721$1,259,914$1,223,999
2 years$645,915$633,886$622,227$610,924$599,959$564,055
3 years$426,333$414,251$402,622$391,425$380,639$345,870
4 years$316,563$304,519$293,006$281,999$271,475$238,108
5 years$250,719$238,746$227,385$216,603$206,371$174,498
6 years$206,836$194,954$183,761$173,219$163,294$132,944
7 years$175,504$163,722$152,706$142,413$132,802$103,975
8 years$152,016$140,340$129,507$119,467$110,172$82,852
9 years$133,757$122,191$111,544$101,759$92,781$66,941
10 years$119,158$107,706$97,247$87,717$79,054$54,660
11 years$107,222$95,884$85,614$76,340$67,989$45,000
12 years$97,282$86,060$75,981$66,961$58,918$37,290
13 years$88,877$77,773$67,884$59,116$51,377$31,063
14 years$81,680$70,694$60,994$52,477$45,037$25,986
15 years$75,448$64,580$55,069$46,800$39,654$21,814
16 years$70,000$59,251$49,928$41,904$35,047$18,365
17 years$65,198$54,568$45,433$37,651$31,075$15,498
18 years$60,935$50,423$41,474$33,931$27,630$13,104
19 years$57,124$46,732$37,968$30,659$24,627$11,099
20 years$53,699$43,425$34,845$27,768$21,998$9,413
21 years$50,604$40,449$32,051$25,201$19,685$7,993
22 years$47,795$37,758$29,540$22,914$17,645$6,794
23 years$45,233$35,314$27,275$20,868$15,839$5,779
24 years$42,889$33,087$25,224$19,033$14,237$4,919
25 years$40,735$31,051$23,363$17,382$12,811$4,190
26 years$38,750$29,182$21,668$15,893$11,540$3,571
27 years$36,915$27,464$20,120$14,547$10,404$3,045
28 years$35,215$25,879$18,705$13,328$9,388$2,597
29 years$33,634$24,414$17,406$12,222$8,477$2,215
30 years$32,162$23,057$16,213$11,217$7,659$1,891
31 years$30,787$21,796$15,115$10,302$6,925$1,614
32 years$29,501$20,624$14,103$9,468$6,264$1,378
33 years$28,295$19,531$13,168$8,707$5,669$1,176
34 years$27,163$18,511$12,303$8,011$5,133$1,005
35 years$26,098$17,557$11,503$7,374$4,649$858
36 years$25,094$16,664$10,760$6,792$4,212$733
37 years$24,147$15,827$10,072$6,258$3,817$626
38 years$23,251$15,042$9,432$5,768$3,461$535
39 years$22,404$14,303$8,836$5,318$3,138$457
40 years$21,601$13,608$8,282$4,905$2,847$390
41 years$20,839$12,954$7,766$4,526$2,583$334
42 years$20,116$12,337$7,285$4,177$2,343$285
43 years$19,428$11,754$6,836$3,856$2,127$244
44 years$18,773$11,204$6,417$3,560$1,930$208
45 years$18,149$10,684$6,025$3,288$1,753$178
46 years$17,553$10,192$5,659$3,037$1,591$152
47 years$16,985$9,727$5,316$2,806$1,445$130
48 years$16,442$9,285$4,996$2,593$1,312$111
49 years$15,923$8,867$4,696$2,396$1,192$95
50 years$15,426$8,470$4,415$2,215$1,082$81

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 $6,913 every year, while hoping to spend $34,908 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: 42/36/22 Blend
51$15,800,000$15,800,000$15,800,000$15,800,000
52$17,418,731$16,581,331$16,336,431$18,037,790
53$19,158,299$17,356,674$16,846,559$19,254,724
54$21,074,134$18,168,839$17,372,607$20,567,842
55$23,184,177$19,019,594$17,915,071$21,989,155
56$25,508,200$19,910,790$18,474,462$23,528,630
57$28,067,989$20,844,372$19,051,309$25,197,206
58$30,887,552$21,822,374$19,646,156$27,006,885
59$33,993,344$22,846,932$20,259,564$28,970,847
60$37,414,517$23,920,284$20,892,112$31,103,562
61$41,183,197$25,044,777$21,544,397$33,420,920
62$45,334,782$26,222,870$22,217,033$35,940,374
63$49,908,283$27,457,144$22,910,657$38,681,098
64$54,946,685$28,750,301$23,625,921$41,664,158
65$60,497,359$30,105,178$24,363,501$44,912,702
66$66,612,503$31,524,746$25,124,093$48,452,173
67$73,349,642$33,012,122$25,908,413$52,310,532
68$80,772,163$34,570,573$26,717,202$56,518,522
69$88,949,918$36,203,525$27,551,223$61,109,940
70$97,959,882$37,914,570$28,411,261$66,121,948
71$107,886,880$39,707,474$29,298,129$71,595,414
72$118,824,387$41,586,186$30,212,662$77,575,283
73$130,875,411$43,554,846$31,155,723$84,110,990
74$144,153,465$45,617,795$32,128,200$91,256,916
75$158,783,635$47,779,584$33,131,012$99,072,884
76$174,903,768$50,044,986$34,165,103$107,624,711
77$192,665,767$52,419,005$35,231,449$116,984,816
78$212,237,027$54,906,888$36,331,054$127,232,887
79$233,802,016$57,514,137$37,464,956$138,456,615
80$257,564,012$60,246,520$38,634,223$150,752,509
81$283,747,029$63,110,088$39,839,958$164,226,785
82$312,597,926$66,111,182$41,083,296$178,996,355
83$344,388,739$69,256,454$42,365,411$195,189,904
84$379,419,248$72,552,878$43,687,509$212,949,093
85$418,019,808$76,007,766$45,050,838$232,429,869
86$460,554,470$79,628,788$46,456,683$253,803,915
87$507,424,411$83,423,984$47,906,367$277,260,252
88$559,071,728$87,401,786$49,401,257$303,006,994
89$615,983,607$91,571,036$50,942,762$331,273,291
90$678,696,924$95,941,006$52,532,334$362,311,462
91$747,803,314$100,521,419$54,171,470$396,399,351
92$823,954,753$105,322,470$55,861,716$433,842,921
93$907,869,718$110,354,851$57,604,664$474,979,112
94$1,000,339,964$115,629,774$59,401,955$520,178,987
95$1,102,238,003$121,158,995$61,255,282$569,851,204
96$1,214,525,337$126,954,843$63,166,392$624,445,840
97$1,338,261,540$133,030,249$65,137,085$684,458,597
98$1,474,614,256$139,398,770$67,169,216$750,435,453
99$1,624,870,225$146,074,625$69,264,700$822,977,766
100$1,790,447,430$153,072,724$71,425,510$902,747,916