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%12.5%
1 years$1,313,007$1,301,312$1,289,901$1,278,763$1,267,888$1,254,647
2 years$650,004$637,898$626,165$614,790$603,756$590,422
3 years$429,031$416,873$405,171$393,902$383,048$370,034
4 years$318,567$306,446$294,860$283,784$273,193$260,600
5 years$252,305$240,257$228,824$217,973$207,677$195,542
6 years$208,146$196,188$184,924$174,315$164,328$152,665
7 years$176,615$164,759$153,672$143,314$133,642$122,457
8 years$152,978$141,229$130,326$120,223$110,869$100,161
9 years$134,604$122,965$112,250$102,403$93,368$83,133
10 years$119,912$108,387$97,862$88,272$79,554$69,786
11 years$107,900$96,491$86,156$76,823$68,419$59,109
12 years$97,897$86,605$76,461$67,384$59,291$50,430
13 years$89,440$78,266$68,313$59,490$51,703$43,280
14 years$82,197$71,141$61,380$52,809$45,322$37,327
15 years$75,925$64,989$55,418$47,096$39,905$32,324
16 years$70,443$59,626$50,244$42,170$35,268$28,090
17 years$65,611$54,913$45,720$37,889$31,271$24,481
18 years$61,320$50,742$41,737$34,146$27,805$21,390
19 years$57,486$47,028$38,208$30,854$24,783$18,730
20 years$54,039$43,700$35,065$27,944$22,137$16,431
21 years$50,925$40,705$32,253$25,361$19,810$14,437
22 years$48,097$37,997$29,726$23,059$17,757$12,703
23 years$45,519$35,538$27,447$21,000$15,940$11,191
24 years$43,160$33,296$25,384$19,153$14,327$9,869
25 years$40,993$31,247$23,511$17,492$12,892$8,712
26 years$38,995$29,367$21,805$15,994$11,613$7,696
27 years$37,149$27,638$20,248$14,639$10,470$6,804
28 years$35,438$26,043$18,823$13,413$9,447$6,019
29 years$33,847$24,569$17,516$12,300$8,530$5,327
30 years$32,366$23,203$16,316$11,288$7,708$4,718
31 years$30,982$21,934$15,211$10,367$6,969$4,180
32 years$29,688$20,754$14,192$9,528$6,304$3,704
33 years$28,475$19,654$13,251$8,762$5,705$3,284
34 years$27,335$18,628$12,381$8,061$5,165$2,912
35 years$26,263$17,668$11,575$7,421$4,678$2,583
36 years$25,253$16,770$10,829$6,835$4,239$2,292
37 years$24,300$15,927$10,135$6,297$3,842$2,034
38 years$23,399$15,137$9,491$5,804$3,483$1,806
39 years$22,546$14,394$8,892$5,352$3,158$1,603
40 years$21,738$13,694$8,335$4,936$2,865$1,423
41 years$20,971$13,036$7,815$4,554$2,599$1,264
42 years$20,243$12,415$7,331$4,203$2,358$1,122
43 years$19,551$11,829$6,879$3,880$2,140$997
44 years$18,891$11,275$6,457$3,582$1,943$885
45 years$18,263$10,752$6,063$3,309$1,764$787
46 years$17,664$10,257$5,695$3,056$1,601$699
47 years$17,093$9,788$5,350$2,823$1,454$621
48 years$16,546$9,344$5,028$2,609$1,320$552
49 years$16,024$8,923$4,726$2,411$1,199$490
50 years$15,524$8,524$4,443$2,229$1,089$436

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 $5,242 every year, while hoping to spend $50,390 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: 46/28/26 Blend
51$15,900,000$15,900,000$15,900,000$15,900,000
52$17,527,207$16,684,507$16,438,057$18,202,161
53$19,261,368$17,448,433$16,935,117$19,443,280
54$21,170,724$18,248,103$17,447,140$20,783,753
55$23,273,092$19,085,215$17,974,574$22,237,209
56$25,588,105$19,961,548$18,517,880$23,814,248
57$28,137,396$20,878,968$19,077,533$25,526,512
58$30,944,802$21,839,429$19,654,023$27,386,791
59$34,036,592$22,844,981$20,247,852$29,409,136
60$37,441,710$23,897,771$20,859,541$31,608,992
61$41,192,052$25,000,049$21,489,623$34,003,331
62$45,322,764$26,154,175$22,138,648$36,610,811
63$49,872,576$27,362,619$22,807,183$39,451,943
64$54,884,167$28,627,975$23,495,811$42,549,280
65$60,404,563$29,952,958$24,205,133$45,927,620
66$66,485,590$31,340,414$24,935,766$49,614,236
67$73,184,355$32,793,328$25,688,348$53,639,125
68$80,563,786$34,314,828$26,463,535$58,035,283
69$88,693,229$35,908,192$27,262,001$62,839,005
70$97,649,102$37,576,858$28,084,441$68,090,227
71$107,515,613$39,324,426$28,931,573$73,832,886
72$118,385,556$41,154,674$29,804,131$80,115,328
73$130,361,189$43,071,559$30,702,876$86,990,756
74$143,555,197$45,079,231$31,628,588$94,517,722
75$158,091,754$47,182,040$32,582,073$102,760,666
76$174,107,698$49,384,546$33,564,157$111,790,516
77$191,753,822$51,691,527$34,575,696$121,685,345
78$211,196,296$54,107,996$35,617,565$132,531,096
79$232,618,234$56,639,204$36,690,670$144,422,380
80$256,221,428$59,290,659$37,795,942$157,463,356
81$282,228,246$62,068,134$38,934,338$171,768,701
82$310,883,735$64,977,680$40,106,846$187,464,677
83$342,457,932$68,025,642$41,314,481$204,690,308
84$377,248,415$71,218,673$42,558,290$223,598,678
85$415,583,110$74,563,744$43,839,350$244,358,356
86$457,823,387$78,068,168$45,158,768$267,154,974
87$504,367,474$81,739,609$46,517,688$292,192,959
88$555,654,209$85,586,103$47,917,283$319,697,444
89$612,167,190$89,616,074$49,358,764$349,916,375
90$674,439,338$93,838,356$50,843,377$383,122,829
91$743,057,924$98,262,209$52,372,404$419,617,570
92$818,670,118$102,897,343$53,947,165$459,731,870
93$901,989,095$107,753,938$55,569,020$503,830,606
94$993,800,768$112,842,666$57,239,367$552,315,684
95$1,094,971,208$118,174,719$58,959,648$605,629,809
96$1,206,454,820$123,761,829$60,731,345$664,260,631
97$1,329,303,352$129,616,299$62,555,986$728,745,327
98$1,464,675,824$135,751,027$64,435,141$799,675,639
99$1,613,849,469$142,179,538$66,370,429$877,703,430
100$1,778,231,792$148,916,013$68,363,516$963,546,804