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

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 $15,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$1,313,007$1,301,312$1,289,901$1,278,763$1,267,888$1,224,853
2 years$650,004$637,898$626,165$614,790$603,756$560,830
3 years$429,031$416,873$405,171$393,902$383,048$341,579
4 years$318,567$306,446$294,860$283,784$273,193$233,499
5 years$252,305$240,257$228,824$217,973$207,677$169,862
6 years$208,146$196,188$184,924$174,315$164,328$128,423
7 years$176,615$164,759$153,672$143,314$133,642$99,642
8 years$152,978$141,229$130,326$120,223$110,869$78,746
9 years$134,604$122,965$112,250$102,403$93,368$63,083
10 years$119,912$108,387$97,862$88,272$79,554$51,059
11 years$107,900$96,491$86,156$76,823$68,419$41,657
12 years$97,897$86,605$76,461$67,384$59,291$34,201
13 years$89,440$78,266$68,313$59,490$51,703$28,221
14 years$82,197$71,141$61,380$52,809$45,322$23,380
15 years$75,925$64,989$55,418$47,096$39,905$19,433
16 years$70,443$59,626$50,244$42,170$35,268$16,196
17 years$65,611$54,913$45,720$37,889$31,271$13,528
18 years$61,320$50,742$41,737$34,146$27,805$11,320
19 years$57,486$47,028$38,208$30,854$24,783$9,487
20 years$54,039$43,700$35,065$27,944$22,137$7,961
21 years$50,925$40,705$32,253$25,361$19,810$6,687
22 years$48,097$37,997$29,726$23,059$17,757$5,622
23 years$45,519$35,538$27,447$21,000$15,940$4,730
24 years$43,160$33,296$25,384$19,153$14,327$3,982
25 years$40,993$31,247$23,511$17,492$12,892$3,354
26 years$38,995$29,367$21,805$15,994$11,613$2,826
27 years$37,149$27,638$20,248$14,639$10,470$2,382
28 years$35,438$26,043$18,823$13,413$9,447$2,009
29 years$33,847$24,569$17,516$12,300$8,530$1,694
30 years$32,366$23,203$16,316$11,288$7,708$1,429
31 years$30,982$21,934$15,211$10,367$6,969$1,206
32 years$29,688$20,754$14,192$9,528$6,304$1,018
33 years$28,475$19,654$13,251$8,762$5,705$859
34 years$27,335$18,628$12,381$8,061$5,165$725
35 years$26,263$17,668$11,575$7,421$4,678$612
36 years$25,253$16,770$10,829$6,835$4,239$517
37 years$24,300$15,927$10,135$6,297$3,842$436
38 years$23,399$15,137$9,491$5,804$3,483$368
39 years$22,546$14,394$8,892$5,352$3,158$311
40 years$21,738$13,694$8,335$4,936$2,865$263
41 years$20,971$13,036$7,815$4,554$2,599$222
42 years$20,243$12,415$7,331$4,203$2,358$187
43 years$19,551$11,829$6,879$3,880$2,140$158
44 years$18,891$11,275$6,457$3,582$1,943$134
45 years$18,263$10,752$6,063$3,309$1,764$113
46 years$17,664$10,257$5,695$3,056$1,601$95
47 years$17,093$9,788$5,350$2,823$1,454$80
48 years$16,546$9,344$5,028$2,609$1,320$68
49 years$16,024$8,923$4,726$2,411$1,199$57
50 years$15,524$8,524$4,443$2,229$1,089$48

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 $4,341 every year, while hoping to spend $24,317 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: 29/49/22 Blend
51$15,900,000$15,900,000$15,900,000$15,900,000
52$17,526,278$16,683,578$16,437,128$17,913,610
53$19,288,085$17,475,200$16,961,898$19,004,718
54$21,228,782$18,304,797$17,503,434$20,174,525
55$23,366,588$19,174,203$18,062,270$21,431,723
56$25,721,585$20,085,343$18,638,960$22,783,843
57$28,315,896$21,040,234$19,234,075$24,239,122
58$31,173,904$22,040,993$19,848,204$25,806,575
59$34,322,478$23,089,837$20,481,954$27,496,066
60$37,791,224$24,189,092$21,135,953$29,318,396
61$41,612,770$25,341,199$21,810,848$31,285,392
62$45,823,068$26,548,714$22,507,308$33,410,012
63$50,461,740$27,814,320$23,226,022$35,706,453
64$55,572,446$29,140,829$23,967,701$38,190,274
65$61,203,296$30,531,191$24,733,080$40,878,536
66$67,407,311$31,988,498$25,522,917$43,789,943
67$74,242,916$33,515,994$26,337,994$46,945,012
68$81,774,495$35,117,078$27,179,118$50,366,250
69$90,072,997$36,795,318$28,047,121$54,078,354
70$99,216,607$38,554,454$28,942,865$58,108,429
71$109,291,484$40,398,406$29,867,234$62,486,226
72$120,392,575$42,331,287$30,821,146$67,244,411
73$132,624,508$44,357,410$31,805,545$72,418,852
74$146,102,583$46,481,298$32,821,405$78,048,943
75$160,953,858$48,707,693$33,869,734$84,177,957
76$177,318,350$51,041,569$34,951,569$90,853,433
77$195,350,358$53,488,142$36,067,983$98,127,605
78$215,219,915$56,052,881$37,220,080$106,057,876
79$237,114,397$58,741,523$38,409,004$114,707,337
80$261,240,291$61,560,083$39,635,931$124,145,336
81$287,825,143$64,514,870$40,902,077$134,448,111
82$317,119,707$67,612,498$42,208,696$145,699,485
83$349,400,314$70,859,908$43,557,084$157,991,627
84$384,971,476$74,264,373$44,948,577$171,425,898
85$424,168,766$77,833,526$46,384,553$186,113,776
86$467,361,980$81,575,369$47,866,435$202,177,877
87$514,958,633$85,498,294$49,395,693$219,753,084
88$567,407,807$89,611,103$50,973,841$238,987,782
89$625,204,382$93,923,026$52,602,444$260,045,226
90$688,893,719$98,443,744$54,283,116$283,105,045
91$759,076,801$103,183,411$56,017,523$308,364,899
92$836,415,909$108,152,672$57,807,384$336,042,303
93$921,640,874$113,362,695$59,654,474$366,376,640
94$1,015,555,968$118,825,191$61,560,623$399,631,377
95$1,119,047,494$124,552,444$63,527,722$436,096,500
96$1,233,092,158$130,557,333$65,557,720$476,091,210
97$1,358,766,285$136,853,369$67,652,630$519,966,882
98$1,497,255,982$143,454,721$69,814,530$568,110,326
99$1,649,868,339$150,376,248$72,045,563$620,947,387
100$1,818,043,761$157,633,536$74,347,941$678,946,906