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%19.5%
1 years$1,337,781$1,325,865$1,314,239$1,302,891$1,291,811$1,242,520
2 years$662,268$649,934$637,980$626,390$615,148$566,068
3 years$437,126$424,739$412,815$401,334$390,275$342,951
4 years$324,577$312,228$300,424$289,139$278,348$233,139
5 years$257,066$244,791$233,141$222,086$211,595$168,620
6 years$212,073$199,890$188,413$177,604$167,428$126,714
7 years$179,948$167,867$156,572$146,018$136,164$97,699
8 years$155,865$143,893$132,785$122,491$112,961$76,709
9 years$137,143$125,285$114,368$104,335$95,130$61,039
10 years$122,175$110,433$99,709$89,938$81,055$49,061
11 years$109,936$98,312$87,782$78,273$69,710$39,742
12 years$99,744$88,239$77,904$68,656$60,409$32,390
13 years$91,127$79,742$69,602$60,613$52,678$26,526
14 years$83,748$72,484$62,538$53,805$46,177$21,808
15 years$77,358$66,215$56,463$47,985$40,658$17,985
16 years$71,772$60,751$51,192$42,965$35,934$14,870
17 years$66,849$55,950$46,583$38,604$31,861$12,320
18 years$62,477$51,700$42,524$34,790$28,330$10,225
19 years$58,570$47,915$38,929$31,436$25,251$8,498
20 years$55,059$44,525$35,727$28,471$22,555$7,071
21 years$51,886$41,473$32,862$25,839$20,184$5,889
22 years$49,005$38,714$30,287$23,494$18,092$4,909
23 years$46,378$36,208$27,965$21,396$16,240$4,094
24 years$43,974$33,925$25,863$19,515$14,597$3,417
25 years$41,766$31,837$23,954$17,822$13,135$2,852
26 years$39,731$29,921$22,216$16,295$11,832$2,382
27 years$37,850$28,159$20,630$14,916$10,667$1,990
28 years$36,106$26,534$19,178$13,666$9,625$1,663
29 years$34,486$25,032$17,847$12,532$8,691$1,390
30 years$32,976$23,640$16,624$11,501$7,853$1,162
31 years$31,567$22,348$15,498$10,563$7,100$972
32 years$30,248$21,146$14,460$9,708$6,423$813
33 years$29,012$20,025$13,501$8,927$5,812$680
34 years$27,851$18,979$12,615$8,214$5,262$569
35 years$26,759$18,002$11,794$7,561$4,766$476
36 years$25,729$17,086$11,033$6,964$4,319$398
37 years$24,758$16,228$10,327$6,416$3,914$333
38 years$23,840$15,422$9,670$5,914$3,549$279
39 years$22,971$14,665$9,060$5,453$3,218$233
40 years$22,148$13,953$8,492$5,029$2,919$195
41 years$21,367$13,282$7,963$4,640$2,648$163
42 years$20,625$12,649$7,469$4,282$2,403$136
43 years$19,919$12,052$7,009$3,953$2,181$114
44 years$19,248$11,488$6,579$3,650$1,979$96
45 years$18,608$10,955$6,178$3,371$1,797$80
46 years$17,998$10,451$5,802$3,114$1,631$67
47 years$17,415$9,973$5,451$2,877$1,481$56
48 years$16,858$9,521$5,122$2,658$1,345$47
49 years$16,326$9,092$4,815$2,457$1,222$39
50 years$15,817$8,685$4,527$2,271$1,110$33

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 $4,067 every year, while hoping to spend $26,445 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: 67/23/10 Blend
51$16,200,000$16,200,000$16,200,000$16,200,000
52$17,856,595$16,997,995$16,746,895$19,015,788
53$19,649,831$17,802,760$17,279,779$20,591,727
54$21,625,090$18,646,071$17,829,628$22,310,506
55$23,800,911$19,529,791$18,396,983$24,188,929
56$26,197,723$20,455,870$18,982,401$26,242,607
57$28,838,037$21,426,354$19,586,457$28,488,716
58$31,746,660$22,443,388$20,209,747$30,946,148
59$34,950,927$23,509,222$20,852,881$33,635,694
60$38,480,962$24,626,214$21,516,493$36,580,230
61$42,369,959$25,796,838$22,201,235$39,804,928
62$46,654,498$27,023,686$22,907,779$43,337,492
63$51,374,889$28,309,478$23,636,821$47,208,412
64$56,575,550$29,657,066$24,389,078$51,451,247
65$62,305,433$31,069,438$25,165,288$56,102,936
66$68,618,477$32,549,731$25,966,216$61,204,142
67$75,574,126$34,101,232$26,792,648$66,799,628
68$83,237,882$35,727,388$27,645,397$72,938,674
69$91,681,931$37,431,814$28,525,302$79,675,534
70$100,985,816$39,218,301$29,433,228$87,069,946
71$111,237,196$41,090,825$30,370,068$95,187,681
72$122,532,668$43,053,553$31,336,743$104,101,161
73$134,978,680$45,110,857$32,334,204$113,890,136
74$148,692,538$47,267,322$33,363,432$124,642,423
75$163,803,509$49,527,752$34,425,439$136,454,731
76$180,454,045$51,897,191$35,521,270$149,433,562
77$198,801,127$54,380,923$36,652,002$163,696,208
78$219,017,746$56,984,492$37,818,749$179,371,847
79$241,294,536$59,713,712$39,022,656$196,602,754
80$265,841,573$62,574,678$40,264,909$215,545,631
81$292,890,360$65,573,784$41,546,730$236,373,072
82$322,696,011$68,717,733$42,869,380$259,275,189
83$355,539,660$72,013,558$44,234,160$284,461,383
84$391,731,114$75,468,631$45,642,413$312,162,316
85$431,611,777$79,090,684$47,095,524$342,632,069
86$475,557,878$82,887,827$48,594,923$376,150,531
87$523,984,014$86,868,563$50,142,086$413,026,020
88$577,347,072$91,041,811$51,738,534$453,598,184
89$636,150,537$95,416,924$53,385,839$498,241,185
90$700,949,249$100,003,710$55,085,622$547,367,217
91$772,354,638$104,812,457$56,839,555$601,430,378
92$851,040,496$109,853,952$58,649,365$660,930,939
93$937,749,340$115,139,509$60,516,833$726,420,043
94$1,033,299,422$120,680,995$62,443,796$798,504,890
95$1,138,592,451$126,490,852$64,432,151$877,854,448
96$1,254,622,109$132,582,131$66,483,856$965,205,743
97$1,382,483,428$138,968,520$68,600,929$1,061,370,792
98$1,523,383,133$145,664,372$70,785,456$1,167,244,247
99$1,678,651,029$152,684,743$73,039,585$1,283,811,811
100$1,849,752,559$160,045,420$75,365,536$1,412,159,519