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%16.6%
1 years$1,329,523$1,317,680$1,306,126$1,294,849$1,283,837$1,249,254
2 years$658,180$645,922$634,042$622,523$611,351$576,756
3 years$434,428$422,117$410,267$398,857$387,866$354,342
4 years$322,574$310,301$298,569$287,354$276,629$244,434
5 years$255,479$243,280$231,702$220,715$210,289$179,511
6 years$210,764$198,656$187,250$176,508$166,395$137,064
7 years$178,837$166,831$155,605$145,117$135,323$107,440
8 years$154,902$143,005$131,966$121,735$112,264$85,815
9 years$136,297$124,512$113,662$103,691$94,542$69,503
10 years$121,421$109,751$99,093$89,383$80,555$56,893
11 years$109,257$97,705$87,240$77,790$69,280$46,959
12 years$99,129$87,694$77,423$68,232$60,036$39,016
13 years$90,565$79,250$69,173$60,239$52,353$32,589
14 years$83,231$72,036$62,152$53,473$45,892$27,337
15 years$76,880$65,806$56,115$47,689$40,407$23,014
16 years$71,329$60,376$50,876$42,700$35,712$19,430
17 years$66,436$55,604$46,295$38,366$31,665$16,445
18 years$62,092$51,381$42,262$34,575$28,155$13,946
19 years$58,209$47,619$38,689$31,242$25,095$11,847
20 years$54,719$44,250$35,506$28,295$22,415$10,079
21 years$51,565$41,217$32,659$25,680$20,059$8,584
22 years$48,702$38,475$30,100$23,349$17,980$7,319
23 years$46,092$35,985$27,792$21,264$16,140$6,246
24 years$43,703$33,715$25,703$19,394$14,507$5,334
25 years$41,508$31,640$23,806$17,712$13,054$4,558
26 years$39,486$29,737$22,079$16,195$11,759$3,897
27 years$37,616$27,986$20,502$14,824$10,601$3,333
28 years$35,883$26,371$19,060$13,582$9,566$2,852
29 years$34,273$24,878$17,737$12,455$8,638$2,441
30 years$32,773$23,494$16,521$11,430$7,805$2,090
31 years$31,372$22,210$15,402$10,498$7,056$1,790
32 years$30,061$21,015$14,370$9,648$6,383$1,533
33 years$28,833$19,902$13,418$8,872$5,777$1,314
34 years$27,679$18,862$12,537$8,163$5,230$1,126
35 years$26,593$17,891$11,721$7,514$4,737$965
36 years$25,571$16,981$10,965$6,921$4,292$827
37 years$24,605$16,128$10,263$6,376$3,890$709
38 years$23,693$15,327$9,611$5,877$3,527$607
39 years$22,829$14,575$9,004$5,419$3,198$521
40 years$22,011$13,867$8,440$4,998$2,901$446
41 years$21,235$13,200$7,914$4,612$2,632$383
42 years$20,498$12,571$7,423$4,256$2,388$328
43 years$19,797$11,978$6,966$3,929$2,167$281
44 years$19,129$11,417$6,539$3,628$1,967$241
45 years$18,493$10,887$6,139$3,350$1,786$207
46 years$17,887$10,386$5,766$3,095$1,621$177
47 years$17,308$9,911$5,417$2,859$1,472$152
48 years$16,754$9,462$5,091$2,642$1,337$130
49 years$16,225$9,035$4,785$2,442$1,214$112
50 years$15,719$8,631$4,499$2,257$1,103$96

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 $5,700 every year, while hoping to spend $24,561 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: 57/37/6 Blend
51$16,100,000$16,100,000$16,100,000$16,100,000
52$17,748,080$16,894,780$16,645,230$18,737,360
53$19,532,251$17,696,491$17,176,712$20,204,701
54$21,497,585$18,536,663$17,725,176$21,799,376
55$23,662,533$19,417,155$18,291,164$23,536,176
56$26,047,431$20,339,914$18,875,238$25,428,663
57$28,674,684$21,306,986$19,477,974$27,491,742
58$31,568,986$22,320,512$20,099,970$29,741,791
59$34,757,545$23,382,740$20,741,841$32,196,813
60$38,270,346$24,496,025$21,404,224$34,876,595
61$42,140,429$25,662,838$22,087,773$37,802,891
62$46,404,206$26,885,771$22,793,167$40,999,621
63$51,101,800$28,167,538$23,521,103$44,493,085
64$56,277,426$29,510,990$24,272,303$48,312,206
65$61,979,808$30,919,113$25,047,509$52,488,796
66$68,262,639$32,395,040$25,847,491$57,057,846
67$75,185,087$33,942,055$26,673,041$62,057,844
68$82,812,353$35,563,604$27,524,975$67,531,134
69$91,216,290$37,263,297$28,404,138$73,524,305
70$100,476,076$39,044,923$29,311,402$80,088,615
71$110,678,966$40,912,455$30,247,664$87,280,469
72$121,921,112$42,870,056$31,213,852$95,161,941
73$134,308,473$44,922,097$32,210,923$103,801,341
74$147,957,814$47,073,156$33,239,866$113,273,853
75$162,997,809$49,328,039$34,301,700$123,662,231
76$179,570,255$51,691,782$35,397,476$135,057,564
77$197,831,410$54,169,669$36,528,281$147,560,121
78$217,953,471$56,767,239$37,695,235$161,280,285
79$240,126,194$59,490,303$38,899,494$176,339,578
80$264,558,691$62,344,954$40,142,253$192,871,790
81$291,481,402$65,337,580$41,424,742$211,024,226
82$321,148,267$68,474,883$42,748,233$230,959,075
83$353,839,128$71,763,891$44,114,037$252,854,927
84$389,862,371$75,211,973$45,523,509$276,908,436
85$429,557,831$78,826,858$46,978,045$303,336,151
86$473,300,007$82,616,651$48,479,086$332,376,548
87$521,501,594$86,589,854$50,028,123$364,292,247
88$574,617,380$90,755,381$51,626,688$399,372,475
89$633,148,540$95,122,581$53,276,369$437,935,766
90$697,647,363$99,701,259$54,978,799$480,332,944
91$768,722,473$104,501,700$56,735,668$526,950,405
92$847,044,569$109,534,687$58,548,717$578,213,737
93$933,352,760$114,811,532$60,419,744$634,591,704
94$1,028,461,540$120,344,095$62,350,604$696,600,642
95$1,133,268,480$126,144,818$64,343,211$764,809,299
96$1,248,762,699$132,226,749$66,399,543$839,844,168
97$1,376,034,205$138,603,570$68,521,639$922,395,363
98$1,516,284,182$145,289,633$70,711,602$1,013,223,097
99$1,670,836,333$152,299,990$72,971,605$1,113,164,818
100$1,841,149,376$159,650,426$75,303,891$1,223,143,071