Can I retire at age 52 with 16,000,000?

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 $16,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$1,321,265$1,309,496$1,298,013$1,286,806$1,275,862$1,265,701
2 years$654,092$641,910$630,104$618,657$607,554$597,311
3 years$431,730$419,495$407,719$396,379$385,457$375,450
4 years$320,570$308,373$296,715$285,569$274,911$265,217
5 years$253,892$241,768$230,263$219,344$208,983$199,630
6 years$209,455$197,422$186,087$175,411$165,361$156,361
7 years$177,726$165,795$154,639$144,215$134,483$125,840
8 years$153,940$142,117$131,146$120,979$111,567$103,281
9 years$135,450$123,738$112,956$103,047$93,955$86,025
10 years$120,667$109,069$98,478$88,828$80,054$72,474
11 years$108,579$97,098$86,698$77,307$68,850$61,614
12 years$98,513$87,150$76,942$67,808$59,664$52,766
13 years$90,002$78,758$68,743$59,865$52,028$45,461
14 years$82,714$71,589$61,766$53,141$45,607$39,363
15 years$76,403$65,398$55,766$47,392$40,156$34,226
16 years$70,886$60,001$50,560$42,435$35,490$29,864
17 years$66,023$55,259$46,008$38,127$31,468$26,137
18 years$61,706$51,062$41,999$34,360$27,980$22,935
19 years$57,847$47,323$38,448$31,048$24,939$20,169
20 years$54,379$43,975$35,286$28,120$22,276$17,771
21 years$51,245$40,961$32,456$25,520$19,935$15,684
22 years$48,400$38,236$29,913$23,204$17,869$13,863
23 years$45,806$35,761$27,620$21,132$16,040$12,269
24 years$43,431$33,506$25,544$19,274$14,417$10,870
25 years$41,250$31,444$23,659$17,602$12,973$9,640
26 years$39,241$29,552$21,942$16,094$11,686$8,556
27 years$37,383$27,812$20,375$14,731$10,536$7,601
28 years$35,661$26,207$18,941$13,497$9,506$6,756
29 years$34,060$24,723$17,627$12,377$8,584$6,009
30 years$32,569$23,348$16,418$11,359$7,756$5,347
31 years$31,177$22,072$15,306$10,433$7,012$4,761
32 years$29,875$20,885$14,281$9,588$6,343$4,240
33 years$28,654$19,778$13,334$8,817$5,741$3,778
34 years$27,507$18,745$12,459$8,112$5,197$3,367
35 years$26,428$17,779$11,648$7,468$4,708$3,002
36 years$25,412$16,875$10,897$6,878$4,265$2,677
37 years$24,452$16,028$10,199$6,337$3,866$2,388
38 years$23,546$15,232$9,551$5,841$3,505$2,130
39 years$22,688$14,484$8,948$5,385$3,178$1,901
40 years$21,875$13,780$8,387$4,967$2,883$1,696
41 years$21,103$13,118$7,864$4,583$2,615$1,514
42 years$20,370$12,493$7,377$4,230$2,373$1,352
43 years$19,674$11,903$6,922$3,904$2,154$1,207
44 years$19,010$11,346$6,498$3,605$1,955$1,078
45 years$18,378$10,820$6,101$3,329$1,775$962
46 years$17,776$10,322$5,731$3,075$1,611$859
47 years$17,200$9,850$5,384$2,841$1,463$767
48 years$16,650$9,403$5,059$2,625$1,329$685
49 years$16,125$8,979$4,755$2,426$1,207$612
50 years$15,622$8,577$4,471$2,243$1,096$547

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $16,000,000, adding $4,756 every year, while hoping to spend $59,352 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: 70/21/9 Blend
51$16,000,000$16,000,000$16,000,000$16,000,000
52$17,636,906$16,788,906$16,540,906$18,841,674
53$19,372,720$17,548,412$17,031,876$20,399,425
54$21,283,598$18,343,145$17,537,305$22,095,729
55$23,387,334$19,174,768$18,057,613$23,950,320
56$25,703,535$20,045,024$18,593,236$25,978,745
57$28,253,804$20,955,739$19,144,618$28,198,117
58$31,061,949$21,908,828$19,712,220$30,627,262
59$34,154,202$22,906,294$20,296,513$33,286,903
60$37,559,469$23,950,241$20,897,985$36,199,845
61$41,309,602$25,042,869$21,517,134$39,391,192
62$45,439,698$26,186,487$22,154,475$42,888,574
63$49,988,435$27,383,512$22,810,538$46,722,409
64$54,998,430$28,636,480$23,485,866$50,926,181
65$60,516,647$29,948,044$24,181,019$55,536,755
66$66,594,836$31,320,989$24,896,574$60,594,717
67$73,290,023$32,758,231$25,633,123$66,144,757
68$80,665,048$34,262,828$26,391,276$72,236,079
69$88,789,159$35,837,982$27,171,659$78,922,864
70$97,738,661$37,487,051$27,974,918$86,264,775
71$107,597,643$39,213,554$28,801,715$94,327,515
72$118,458,764$41,021,180$29,652,734$103,183,438
73$130,424,133$42,913,793$30,528,676$112,912,227
74$143,606,271$44,895,446$31,430,264$123,601,641
75$158,129,172$46,970,384$32,358,239$135,348,334
76$174,129,474$49,143,059$33,313,366$148,258,759
77$191,757,746$51,418,135$34,296,429$162,450,169
78$211,179,915$53,800,502$35,308,239$178,051,710
79$232,578,826$56,295,286$36,349,624$195,205,636
80$256,155,970$58,907,859$37,421,441$214,068,641
81$282,133,388$61,643,853$38,524,567$234,813,329
82$310,755,761$64,509,169$39,659,908$257,629,834
83$342,292,727$67,509,997$40,828,393$282,727,603
84$377,041,419$70,652,821$42,030,979$310,337,362
85$415,329,275$73,944,441$43,268,648$340,713,288
86$457,517,126$77,391,983$44,542,412$374,135,389
87$504,002,602$81,002,920$45,853,313$410,912,141
88$555,223,887$84,785,082$47,202,418$451,383,383
89$611,663,853$88,746,680$48,590,828$495,923,515
90$673,854,620$92,896,321$50,019,675$544,945,016
91$742,382,578$97,243,028$51,490,121$598,902,324
92$817,893,924$101,796,260$53,003,363$658,296,109
93$901,100,759$106,565,931$54,560,631$723,677,987
94$992,787,814$111,562,439$56,163,189$795,655,706
95$1,093,819,853$116,796,681$57,812,338$874,898,869
96$1,205,149,843$122,280,084$59,509,416$962,145,235
97$1,327,827,943$128,024,624$61,255,798$1,058,207,666
98$1,463,011,424$134,042,860$63,052,897$1,163,981,776
99$1,611,975,587$140,347,959$64,902,168$1,280,454,372
100$1,776,125,811$146,953,723$66,805,104$1,408,712,742