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

Use the below retirement simulation to view the chances of a successful retirement.
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%19.9%
1 years$1,304,749$1,293,127$1,281,788$1,270,721$1,259,914$1,209,926
2 years$645,915$633,886$622,227$610,924$599,959$550,216
3 years$426,333$414,251$402,622$391,425$380,639$332,708
4 years$316,563$304,519$293,006$281,999$271,475$225,720
5 years$250,719$238,746$227,385$216,603$206,371$162,909
6 years$206,836$194,954$183,761$173,219$163,294$122,154
7 years$175,504$163,722$152,706$142,413$132,802$93,967
8 years$152,016$140,340$129,507$119,467$110,172$73,604
9 years$133,757$122,191$111,544$101,759$92,781$58,423
10 years$119,158$107,706$97,247$87,717$79,054$46,840
11 years$107,222$95,884$85,614$76,340$67,989$37,844
12 years$97,282$86,060$75,981$66,961$58,918$30,761
13 years$88,877$77,773$67,884$59,116$51,377$25,123
14 years$81,680$70,694$60,994$52,477$45,037$20,596
15 years$75,448$64,580$55,069$46,800$39,654$16,937
16 years$70,000$59,251$49,928$41,904$35,047$13,963
17 years$65,198$54,568$45,433$37,651$31,075$11,535
18 years$60,935$50,423$41,474$33,931$27,630$9,544
19 years$57,124$46,732$37,968$30,659$24,627$7,908
20 years$53,699$43,425$34,845$27,768$21,998$6,560
21 years$50,604$40,449$32,051$25,201$19,685$5,447
22 years$47,795$37,758$29,540$22,914$17,645$4,526
23 years$45,233$35,314$27,275$20,868$15,839$3,763
24 years$42,889$33,087$25,224$19,033$14,237$3,130
25 years$40,735$31,051$23,363$17,382$12,811$2,605
26 years$38,750$29,182$21,668$15,893$11,540$2,169
27 years$36,915$27,464$20,120$14,547$10,404$1,806
28 years$35,215$25,879$18,705$13,328$9,388$1,504
29 years$33,634$24,414$17,406$12,222$8,477$1,253
30 years$32,162$23,057$16,213$11,217$7,659$1,045
31 years$30,787$21,796$15,115$10,302$6,925$871
32 years$29,501$20,624$14,103$9,468$6,264$726
33 years$28,295$19,531$13,168$8,707$5,669$605
34 years$27,163$18,511$12,303$8,011$5,133$504
35 years$26,098$17,557$11,503$7,374$4,649$420
36 years$25,094$16,664$10,760$6,792$4,212$351
37 years$24,147$15,827$10,072$6,258$3,817$292
38 years$23,251$15,042$9,432$5,768$3,461$244
39 years$22,404$14,303$8,836$5,318$3,138$203
40 years$21,601$13,608$8,282$4,905$2,847$169
41 years$20,839$12,954$7,766$4,526$2,583$141
42 years$20,116$12,337$7,285$4,177$2,343$118
43 years$19,428$11,754$6,836$3,856$2,127$98
44 years$18,773$11,204$6,417$3,560$1,930$82
45 years$18,149$10,684$6,025$3,288$1,753$68
46 years$17,553$10,192$5,659$3,037$1,591$57
47 years$16,985$9,727$5,316$2,806$1,445$48
48 years$16,442$9,285$4,996$2,593$1,312$40
49 years$15,923$8,867$4,696$2,396$1,192$33
50 years$15,426$8,470$4,415$2,215$1,082$28

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 $3,090 every year, while hoping to spend $51,776 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: 71/22/7 Blend
51$15,800,000$15,800,000$15,800,000$15,800,000
52$17,414,787$16,577,387$16,332,487$18,632,708
53$19,136,006$17,334,590$16,824,536$20,194,755
54$21,031,054$18,127,160$17,331,334$21,897,200
55$23,117,607$18,956,777$17,853,319$23,759,136
56$25,415,143$19,825,198$18,390,944$25,796,240
57$27,945,122$20,734,267$18,944,675$28,025,764
58$30,731,194$21,685,916$19,514,992$30,466,692
59$33,799,420$22,682,170$20,102,388$33,139,917
60$37,178,514$23,725,150$20,707,371$36,068,433
61$40,900,120$24,817,079$21,330,466$39,277,549
62$44,999,105$25,960,290$21,972,210$42,795,125
63$49,513,893$27,157,223$22,633,158$46,651,826
64$54,486,823$28,410,440$23,313,882$50,881,413
65$59,964,552$29,722,624$24,014,969$55,521,052
66$65,998,490$31,096,587$24,737,025$60,611,662
67$72,645,294$32,535,277$25,480,673$66,198,296
68$79,967,393$34,041,784$26,246,554$72,330,561
69$88,033,582$35,619,347$27,035,329$79,063,080
70$96,919,672$37,271,360$27,847,678$86,455,999
71$106,709,204$39,001,382$28,684,300$94,575,556
72$117,494,235$40,813,142$29,545,917$103,494,691
73$129,376,212$42,710,551$30,433,269$113,293,734
74$142,466,923$44,697,705$31,347,121$124,061,152
75$156,889,558$46,778,902$32,288,259$135,894,381
76$172,779,869$48,958,644$33,257,491$148,900,731
77$190,287,450$51,241,652$34,255,652$163,198,400
78$209,577,152$53,632,875$35,283,598$178,917,574
79$230,830,635$56,137,499$36,342,212$196,201,650
80$254,248,086$58,760,964$37,432,403$215,208,578
81$280,050,109$61,508,969$38,555,107$236,112,346
82$308,479,803$64,387,491$39,711,285$259,104,610
83$339,805,060$67,402,795$40,901,930$284,396,491
84$374,321,093$70,561,448$42,128,062$312,220,561
85$412,353,222$73,870,338$43,390,730$342,833,021
86$454,259,948$77,336,681$44,691,016$376,516,113
87$500,436,330$80,968,046$46,030,033$413,580,769
88$551,317,722$84,772,366$47,408,925$454,369,531
89$607,383,878$88,757,961$48,828,873$499,259,774
90$669,163,482$92,933,549$50,291,088$548,667,251
91$737,239,139$97,308,275$51,796,821$603,050,006
92$812,252,873$101,891,723$53,347,357$662,912,676
93$894,912,192$106,693,943$54,944,020$728,811,245
94$985,996,761$111,725,472$56,588,170$801,358,269
95$1,086,365,768$116,997,357$58,281,211$881,228,645
96$1,196,966,029$122,521,180$60,024,584$969,165,960
97$1,318,840,932$128,309,086$61,819,776$1,065,989,491
98$1,453,140,283$134,373,807$63,668,314$1,172,601,919
99$1,601,131,161$140,728,693$65,571,772$1,289,997,827
100$1,764,209,882$147,387,741$67,531,768$1,419,273,069