Can I retire at age 52 with 16,200,000?

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 $16,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$1,337,781$1,325,865$1,314,239$1,302,891$1,291,811$1,256,506
2 years$662,268$649,934$637,980$626,390$615,148$579,836
3 years$437,126$424,739$412,815$401,334$390,275$356,063
4 years$324,577$312,228$300,424$289,139$278,348$245,497
5 years$257,066$244,791$233,141$222,086$211,595$180,197
6 years$212,073$199,890$188,413$177,604$167,428$137,512
7 years$179,948$167,867$156,572$146,018$136,164$107,731
8 years$155,865$143,893$132,785$122,491$112,961$85,996
9 years$137,143$125,285$114,368$104,335$95,130$69,608
10 years$122,175$110,433$99,709$89,938$81,055$56,944
11 years$109,936$98,312$87,782$78,273$69,710$46,971
12 years$99,744$88,239$77,904$68,656$60,409$39,000
13 years$91,127$79,742$69,602$60,613$52,678$32,553
14 years$83,748$72,484$62,538$53,805$46,177$27,289
15 years$77,358$66,215$56,463$47,985$40,658$22,957
16 years$71,772$60,751$51,192$42,965$35,934$19,368
17 years$66,849$55,950$46,583$38,604$31,861$16,380
18 years$62,477$51,700$42,524$34,790$28,330$13,881
19 years$58,570$47,915$38,929$31,436$25,251$11,783
20 years$55,059$44,525$35,727$28,471$22,555$10,016
21 years$51,886$41,473$32,862$25,839$20,184$8,525
22 years$49,005$38,714$30,287$23,494$18,092$7,263
23 years$46,378$36,208$27,965$21,396$16,240$6,193
24 years$43,974$33,925$25,863$19,515$14,597$5,284
25 years$41,766$31,837$23,954$17,822$13,135$4,512
26 years$39,731$29,921$22,216$16,295$11,832$3,854
27 years$37,850$28,159$20,630$14,916$10,667$3,294
28 years$36,106$26,534$19,178$13,666$9,625$2,816
29 years$34,486$25,032$17,847$12,532$8,691$2,409
30 years$32,976$23,640$16,624$11,501$7,853$2,061
31 years$31,567$22,348$15,498$10,563$7,100$1,763
32 years$30,248$21,146$14,460$9,708$6,423$1,509
33 years$29,012$20,025$13,501$8,927$5,812$1,292
34 years$27,851$18,979$12,615$8,214$5,262$1,106
35 years$26,759$18,002$11,794$7,561$4,766$947
36 years$25,729$17,086$11,033$6,964$4,319$811
37 years$24,758$16,228$10,327$6,416$3,914$695
38 years$23,840$15,422$9,670$5,914$3,549$595
39 years$22,971$14,665$9,060$5,453$3,218$510
40 years$22,148$13,953$8,492$5,029$2,919$436
41 years$21,367$13,282$7,963$4,640$2,648$374
42 years$20,625$12,649$7,469$4,282$2,403$320
43 years$19,919$12,052$7,009$3,953$2,181$274
44 years$19,248$11,488$6,579$3,650$1,979$235
45 years$18,608$10,955$6,178$3,371$1,797$201
46 years$17,998$10,451$5,802$3,114$1,631$173
47 years$17,415$9,973$5,451$2,877$1,481$148
48 years$16,858$9,521$5,122$2,658$1,345$127
49 years$16,326$9,092$4,815$2,457$1,222$109
50 years$15,817$8,685$4,527$2,271$1,110$93

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $16,200,000, adding $5,950 every year, while hoping to spend $23,984 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: 67/19/14 Blend
51$16,200,000$16,200,000$16,200,000$16,200,000
52$17,858,537$16,999,937$16,748,837$18,996,814
53$19,654,589$17,807,416$17,284,405$20,563,947
54$21,633,035$18,653,656$17,837,110$22,273,414
55$23,812,453$19,540,534$18,407,501$24,141,927
56$26,213,316$20,470,013$18,996,145$26,185,076
57$28,858,185$21,444,154$19,603,627$28,420,014
58$31,771,920$22,465,118$20,230,549$30,865,614
59$34,981,918$23,535,171$20,877,534$33,542,646
60$38,518,368$24,656,688$21,545,226$36,473,965
61$42,414,536$25,832,161$22,234,286$39,684,728
62$46,707,084$27,064,202$22,945,399$43,202,622
63$51,436,408$28,355,550$23,679,272$47,058,121
64$56,647,028$29,709,078$24,436,634$51,284,775
65$62,388,000$31,127,798$25,218,236$55,919,513
66$68,713,385$32,614,869$26,024,856$61,002,991
67$75,682,757$34,173,604$26,857,295$66,579,973
68$83,361,763$35,807,475$27,716,379$72,699,741
69$91,822,748$37,520,127$28,602,963$79,416,558
70$101,145,433$39,315,378$29,517,927$86,790,176
71$111,417,670$41,197,234$30,462,181$94,886,388
72$122,736,270$43,169,897$31,436,662$103,777,649
73$135,207,919$45,237,771$32,442,339$113,543,744
74$148,950,181$47,405,476$33,480,212$124,272,544
75$164,092,612$49,677,857$34,551,312$136,060,820
76$180,777,981$52,059,994$35,656,703$149,015,148
77$199,163,617$54,557,216$36,797,484$163,252,915
78$219,422,895$57,175,109$37,974,790$178,903,406
79$241,746,875$59,919,534$39,189,789$196,109,027
80$266,346,100$62,796,635$40,443,691$215,026,629
81$293,452,589$65,812,856$41,737,741$235,828,986
82$323,322,024$68,974,957$43,073,227$258,706,412
83$356,236,166$72,290,025$44,451,475$283,868,547
84$392,505,511$75,765,494$45,873,856$311,546,324
85$432,472,228$79,409,157$47,341,785$341,994,136
86$476,513,381$83,229,192$48,856,721$375,492,226
87$525,044,495$87,234,171$50,420,170$412,349,321
88$578,523,475$91,433,087$52,033,687$452,905,527
89$637,454,931$95,835,370$53,698,877$497,535,529
90$702,394,940$100,450,909$55,417,396$546,652,114
91$773,956,298$105,290,078$57,190,953$600,710,046
92$852,814,302$110,363,753$59,021,311$660,210,349
93$939,713,129$115,683,345$60,910,293$725,705,014
94$1,035,472,856$121,260,817$62,859,775$797,802,197
95$1,140,997,208$127,108,718$64,871,699$877,171,933
96$1,257,282,087$133,240,209$66,948,065$964,552,451
97$1,385,424,974$139,669,093$69,090,939$1,060,757,115
98$1,526,635,289$146,409,845$71,302,452$1,166,682,081
99$1,682,245,810$153,477,649$73,584,806$1,283,314,738
100$1,853,725,256$160,888,428$75,940,271$1,411,743,003