Can I retire at age 52 with 15,900,000?

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 $15,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$1,313,007$1,301,312$1,289,901$1,278,763$1,267,888$1,262,015
2 years$650,004$637,898$626,165$614,790$603,756$597,828
3 years$429,031$416,873$405,171$393,902$383,048$377,248
4 years$318,567$306,446$294,860$283,784$273,193$267,566
5 years$252,305$240,257$228,824$217,973$207,677$202,240
6 years$208,146$196,188$184,924$174,315$164,328$159,087
7 years$176,615$164,759$153,672$143,314$133,642$128,601
8 years$152,978$141,229$130,326$120,223$110,869$106,028
9 years$134,604$122,965$112,250$102,403$93,368$88,725
10 years$119,912$108,387$97,862$88,272$79,554$75,108
11 years$107,900$96,491$86,156$76,823$68,419$64,166
12 years$97,897$86,605$76,461$67,384$59,291$55,228
13 years$89,440$78,266$68,313$59,490$51,703$47,826
14 years$82,197$71,141$61,380$52,809$45,322$41,628
15 years$75,925$64,989$55,418$47,096$39,905$36,389
16 years$70,443$59,626$50,244$42,170$35,268$31,925
17 years$65,611$54,913$45,720$37,889$31,271$28,095
18 years$61,320$50,742$41,737$34,146$27,805$24,791
19 years$57,486$47,028$38,208$30,854$24,783$21,927
20 years$54,039$43,700$35,065$27,944$22,137$19,432
21 years$50,925$40,705$32,253$25,361$19,810$17,252
22 years$48,097$37,997$29,726$23,059$17,757$15,339
23 years$45,519$35,538$27,447$21,000$15,940$13,657
24 years$43,160$33,296$25,384$19,153$14,327$12,174
25 years$40,993$31,247$23,511$17,492$12,892$10,864
26 years$38,995$29,367$21,805$15,994$11,613$9,703
27 years$37,149$27,638$20,248$14,639$10,470$8,674
28 years$35,438$26,043$18,823$13,413$9,447$7,759
29 years$33,847$24,569$17,516$12,300$8,530$6,945
30 years$32,366$23,203$16,316$11,288$7,708$6,221
31 years$30,982$21,934$15,211$10,367$6,969$5,574
32 years$29,688$20,754$14,192$9,528$6,304$4,998
33 years$28,475$19,654$13,251$8,762$5,705$4,482
34 years$27,335$18,628$12,381$8,061$5,165$4,022
35 years$26,263$17,668$11,575$7,421$4,678$3,609
36 years$25,253$16,770$10,829$6,835$4,239$3,241
37 years$24,300$15,927$10,135$6,297$3,842$2,910
38 years$23,399$15,137$9,491$5,804$3,483$2,614
39 years$22,546$14,394$8,892$5,352$3,158$2,348
40 years$21,738$13,694$8,335$4,936$2,865$2,110
41 years$20,971$13,036$7,815$4,554$2,599$1,896
42 years$20,243$12,415$7,331$4,203$2,358$1,705
43 years$19,551$11,829$6,879$3,880$2,140$1,533
44 years$18,891$11,275$6,457$3,582$1,943$1,378
45 years$18,263$10,752$6,063$3,309$1,764$1,239
46 years$17,664$10,257$5,695$3,056$1,601$1,114
47 years$17,093$9,788$5,350$2,823$1,454$1,002
48 years$16,546$9,344$5,028$2,609$1,320$901
49 years$16,024$8,923$4,726$2,411$1,199$811
50 years$15,524$8,524$4,443$2,229$1,089$729

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $15,900,000, adding $2,165 every year, while hoping to spend $34,372 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: 81/8/11 Blend
51$15,900,000$15,900,000$15,900,000$15,900,000
52$17,524,033$16,681,333$16,434,883$18,910,398
53$19,274,913$17,462,147$16,948,880$20,600,729
54$21,203,231$18,280,069$17,478,944$22,450,988
55$23,327,048$19,136,880$18,025,577$24,480,905
56$25,666,270$20,034,450$18,589,296$26,708,462
57$28,242,827$20,974,736$19,170,636$29,153,462
58$31,080,890$21,959,792$19,770,146$31,837,712
59$34,207,089$22,991,770$20,388,395$34,785,230
60$37,650,773$24,072,928$21,025,967$38,022,470
61$41,444,282$25,205,631$21,683,467$41,578,565
62$45,623,252$26,392,361$22,361,516$45,485,605
63$50,226,954$27,635,717$23,060,757$49,778,935
64$55,298,663$28,938,427$23,781,852$54,497,486
65$60,886,066$30,303,349$24,525,483$59,684,144
66$67,041,712$31,733,480$25,292,355$65,386,146
67$73,823,511$33,231,965$26,083,192$71,655,530
68$81,295,274$34,802,096$26,898,745$78,549,617
69$89,527,323$36,447,330$27,739,784$86,131,556
70$98,597,149$38,171,288$28,607,105$94,470,910
71$108,590,145$39,977,768$29,501,530$103,644,317
72$119,600,413$41,870,752$30,423,905$113,736,204
73$131,731,652$43,854,416$31,375,103$124,839,584
74$145,098,136$45,933,137$32,356,024$137,056,930
75$159,825,791$48,111,507$33,367,596$150,501,138
76$176,053,388$50,394,337$34,410,777$165,296,591
77$193,933,849$52,786,674$35,486,553$181,580,324
78$213,635,691$55,293,811$36,595,943$199,503,322
79$235,344,621$57,921,297$37,739,995$219,231,932
80$259,265,281$60,674,949$38,919,794$240,949,436
81$285,623,186$63,560,869$40,136,454$264,857,773
82$314,666,853$66,585,453$41,391,127$291,179,439
83$346,670,142$69,755,410$42,685,000$320,159,587
84$381,934,846$73,077,775$44,019,296$352,068,333
85$420,793,536$76,559,921$45,395,279$387,203,299
86$463,612,705$80,209,586$46,814,249$425,892,421
87$510,796,223$84,034,878$48,277,548$468,497,036
88$562,789,153$88,044,302$49,786,562$515,415,287
89$620,081,951$92,246,777$51,342,716$567,085,875
90$683,215,096$96,651,656$52,947,483$623,992,196
91$752,784,193$101,268,744$54,602,381$686,666,893
92$829,445,594$106,108,325$56,308,974$755,696,883
93$913,922,596$111,181,185$58,068,876$831,728,882
94$1,007,012,270$116,498,632$59,883,752$915,475,510
95$1,109,592,981$122,072,525$61,755,318$1,007,722,005
96$1,222,632,688$127,915,301$63,685,343$1,109,333,631
97$1,347,198,072$134,040,001$65,675,653$1,221,263,832
98$1,484,464,617$140,460,303$67,728,129$1,344,563,230
99$1,635,727,698$147,190,548$69,844,711$1,480,389,527
100$1,802,414,816$154,245,777$72,027,401$1,630,018,429