Can I retire at age 52 with 16,100,000?

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 $16,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$1,329,523$1,317,680$1,306,126$1,294,849$1,283,837$1,254,839
2 years$658,180$645,922$634,042$622,523$611,351$582,292
3 years$434,428$422,117$410,267$398,857$387,866$359,653
4 years$322,574$310,301$298,569$287,354$276,629$249,480
5 years$255,479$243,280$231,702$220,715$210,289$184,279
6 years$210,764$198,656$187,250$176,508$166,395$141,551
7 years$178,837$166,831$155,605$145,117$135,323$111,651
8 years$154,902$143,005$131,966$121,735$112,264$89,753
9 years$136,297$124,512$113,662$103,691$94,542$73,177
10 years$121,421$109,751$99,093$89,383$80,555$60,311
11 years$109,257$97,705$87,240$77,790$69,280$50,132
12 years$99,129$87,694$77,423$68,232$60,036$41,953
13 years$90,565$79,250$69,173$60,239$52,353$35,301
14 years$83,231$72,036$62,152$53,473$45,892$29,837
15 years$76,880$65,806$56,115$47,689$40,407$25,312
16 years$71,329$60,376$50,876$42,700$35,712$21,539
17 years$66,436$55,604$46,295$38,366$31,665$18,375
18 years$62,092$51,381$42,262$34,575$28,155$15,710
19 years$58,209$47,619$38,689$31,242$25,095$13,456
20 years$54,719$44,250$35,506$28,295$22,415$11,543
21 years$51,565$41,217$32,659$25,680$20,059$9,915
22 years$48,702$38,475$30,100$23,349$17,980$8,526
23 years$46,092$35,985$27,792$21,264$16,140$7,339
24 years$43,703$33,715$25,703$19,394$14,507$6,322
25 years$41,508$31,640$23,806$17,712$13,054$5,450
26 years$39,486$29,737$22,079$16,195$11,759$4,701
27 years$37,616$27,986$20,502$14,824$10,601$4,057
28 years$35,883$26,371$19,060$13,582$9,566$3,502
29 years$34,273$24,878$17,737$12,455$8,638$3,025
30 years$32,773$23,494$16,521$11,430$7,805$2,614
31 years$31,372$22,210$15,402$10,498$7,056$2,259
32 years$30,061$21,015$14,370$9,648$6,383$1,953
33 years$28,833$19,902$13,418$8,872$5,777$1,688
34 years$27,679$18,862$12,537$8,163$5,230$1,460
35 years$26,593$17,891$11,721$7,514$4,737$1,263
36 years$25,571$16,981$10,965$6,921$4,292$1,092
37 years$24,605$16,128$10,263$6,376$3,890$945
38 years$23,693$15,327$9,611$5,877$3,527$818
39 years$22,829$14,575$9,004$5,419$3,198$708
40 years$22,011$13,867$8,440$4,998$2,901$612
41 years$21,235$13,200$7,914$4,612$2,632$530
42 years$20,498$12,571$7,423$4,256$2,388$459
43 years$19,797$11,978$6,966$3,929$2,167$397
44 years$19,129$11,417$6,539$3,628$1,967$344
45 years$18,493$10,887$6,139$3,350$1,786$297
46 years$17,887$10,386$5,766$3,095$1,621$257
47 years$17,308$9,911$5,417$2,859$1,472$223
48 years$16,754$9,462$5,091$2,642$1,337$193
49 years$16,225$9,035$4,785$2,442$1,214$167
50 years$15,719$8,631$4,499$2,257$1,103$145

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $16,100,000, adding $4,219 every year, while hoping to spend $37,836 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: 85/10/5 Blend
51$16,100,000$16,100,000$16,100,000$16,100,000
52$17,746,552$16,893,252$16,643,702$19,254,955
53$19,516,443$17,680,764$17,161,009$21,026,314
54$21,465,595$18,505,596$17,694,377$22,966,290
55$23,612,252$19,369,537$18,244,305$25,096,231
56$25,976,519$20,274,462$18,811,307$27,435,192
57$28,580,550$21,222,336$19,395,912$30,004,159
58$31,448,756$22,215,220$19,998,665$32,826,242
59$34,608,038$23,255,276$20,620,129$35,926,896
60$38,088,040$24,344,766$21,260,885$39,334,155
61$41,921,426$25,486,066$21,921,531$43,078,896
62$46,144,193$26,681,664$22,602,683$47,195,130
63$50,796,005$27,934,170$23,304,978$51,720,317
64$55,920,573$29,246,320$24,029,070$56,695,723
65$61,566,063$30,620,981$24,775,635$62,166,801
66$67,785,553$32,061,161$25,545,371$68,183,620
67$74,637,534$33,570,012$26,338,995$74,801,336
68$82,186,459$35,150,839$27,157,248$82,080,709
69$90,503,355$36,807,107$28,000,893$90,088,672
70$99,666,491$38,542,450$28,870,717$98,898,961
71$109,762,119$40,360,675$29,767,532$108,592,811
72$120,885,285$42,265,778$30,692,174$119,259,714
73$133,140,728$44,261,945$31,645,505$130,998,261
74$146,643,868$46,353,566$32,628,416$143,917,076
75$161,521,896$48,545,244$33,641,821$158,135,826
76$177,914,974$50,841,806$34,686,667$173,786,358
77$195,977,558$53,248,311$35,763,927$191,013,932
78$215,879,856$55,770,066$36,874,606$209,978,590
79$237,809,435$58,412,633$38,019,739$230,856,663
80$261,972,991$61,181,845$39,200,393$253,842,432
81$288,598,300$64,083,820$40,417,670$279,149,952
82$317,936,368$67,124,969$41,672,704$307,015,073
83$350,263,803$70,312,017$42,966,665$337,697,658
84$385,885,420$73,652,015$44,300,757$371,484,032
85$425,137,125$77,152,356$45,676,225$408,689,677
86$468,389,084$80,820,793$47,094,350$449,662,206
87$516,049,213$84,665,455$48,556,454$494,784,637
88$568,567,035$88,694,865$50,063,898$544,479,003
89$626,437,921$92,917,961$51,618,086$599,210,327
90$690,207,764$97,344,116$53,220,467$659,491,007
91$760,478,135$101,983,157$54,872,532$725,885,643
92$837,911,964$106,845,391$56,575,821$799,016,361
93$923,239,793$111,941,624$58,331,920$879,568,676
94$1,017,266,676$117,283,187$60,142,463$968,297,955
95$1,120,879,778$122,881,965$62,009,137$1,066,036,542
96$1,235,056,751$128,750,417$63,933,679$1,173,701,600
97$1,360,874,964$134,901,612$65,917,881$1,292,303,762
98$1,499,521,671$141,349,251$67,963,590$1,422,956,665
99$1,652,305,222$148,107,705$70,072,711$1,566,887,445
100$1,820,667,414$155,192,041$72,247,206$1,725,448,317