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

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 $16,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$1,337,781$1,325,865$1,314,239$1,302,891$1,291,811$1,257,013
2 years$662,268$649,934$637,980$626,390$615,148$580,338
3 years$437,126$424,739$412,815$401,334$390,275$356,543
4 years$324,577$312,228$300,424$289,139$278,348$245,952
5 years$257,066$244,791$233,141$222,086$211,595$180,626
6 years$212,073$199,890$188,413$177,604$167,428$137,915
7 years$179,948$167,867$156,572$146,018$136,164$108,108
8 years$155,865$143,893$132,785$122,491$112,961$86,348
9 years$137,143$125,285$114,368$104,335$95,130$69,935
10 years$122,175$110,433$99,709$89,938$81,055$57,247
11 years$109,936$98,312$87,782$78,273$69,710$47,251
12 years$99,744$88,239$77,904$68,656$60,409$39,258
13 years$91,127$79,742$69,602$60,613$52,678$32,791
14 years$83,748$72,484$62,538$53,805$46,177$27,507
15 years$77,358$66,215$56,463$47,985$40,658$23,157
16 years$71,772$60,751$51,192$42,965$35,934$19,551
17 years$66,849$55,950$46,583$38,604$31,861$16,547
18 years$62,477$51,700$42,524$34,790$28,330$14,033
19 years$58,570$47,915$38,929$31,436$25,251$11,921
20 years$55,059$44,525$35,727$28,471$22,555$10,141
21 years$51,886$41,473$32,862$25,839$20,184$8,638
22 years$49,005$38,714$30,287$23,494$18,092$7,365
23 years$46,378$36,208$27,965$21,396$16,240$6,284
24 years$43,974$33,925$25,863$19,515$14,597$5,367
25 years$41,766$31,837$23,954$17,822$13,135$4,586
26 years$39,731$29,921$22,216$16,295$11,832$3,921
27 years$37,850$28,159$20,630$14,916$10,667$3,354
28 years$36,106$26,534$19,178$13,666$9,625$2,870
29 years$34,486$25,032$17,847$12,532$8,691$2,456
30 years$32,976$23,640$16,624$11,501$7,853$2,103
31 years$31,567$22,348$15,498$10,563$7,100$1,801
32 years$30,248$21,146$14,460$9,708$6,423$1,543
33 years$29,012$20,025$13,501$8,927$5,812$1,322
34 years$27,851$18,979$12,615$8,214$5,262$1,133
35 years$26,759$18,002$11,794$7,561$4,766$971
36 years$25,729$17,086$11,033$6,964$4,319$832
37 years$24,758$16,228$10,327$6,416$3,914$713
38 years$23,840$15,422$9,670$5,914$3,549$611
39 years$22,971$14,665$9,060$5,453$3,218$524
40 years$22,148$13,953$8,492$5,029$2,919$449
41 years$21,367$13,282$7,963$4,640$2,648$385
42 years$20,625$12,649$7,469$4,282$2,403$330
43 years$19,919$12,052$7,009$3,953$2,181$283
44 years$19,248$11,488$6,579$3,650$1,979$243
45 years$18,608$10,955$6,178$3,371$1,797$208
46 years$17,998$10,451$5,802$3,114$1,631$179
47 years$17,415$9,973$5,451$2,877$1,481$153
48 years$16,858$9,521$5,122$2,658$1,345$131
49 years$16,326$9,092$4,815$2,457$1,222$113
50 years$15,817$8,685$4,527$2,271$1,110$97

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 $5,367 every year, while hoping to spend $50,904 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: 61/25/14 Blend
51$16,200,000$16,200,000$16,200,000$16,200,000
52$17,857,936$16,999,336$16,748,236$18,885,402
53$19,625,284$17,778,142$17,255,141$20,355,760
54$21,571,196$18,593,403$17,777,320$21,953,332
55$23,713,830$19,446,853$18,315,233$23,695,441
56$26,073,198$20,340,306$18,869,351$25,596,082
57$28,671,349$21,275,666$19,440,159$27,670,648
58$31,532,580$22,254,927$20,028,158$29,936,067
59$34,683,665$23,280,180$20,633,862$32,410,958
60$38,154,105$24,353,615$21,257,803$35,115,806
61$41,976,410$25,477,528$21,900,526$38,073,146
62$46,186,404$26,654,327$22,562,593$41,307,771
63$50,823,561$27,886,534$23,244,585$44,846,963
64$55,931,383$29,176,792$23,947,096$48,720,744
65$61,557,802$30,527,873$24,670,742$52,962,151
66$67,755,641$31,942,682$25,416,155$57,607,545
67$74,583,106$33,424,263$26,183,986$62,696,948
68$82,104,339$34,975,808$26,974,906$68,274,410
69$90,390,021$36,600,662$27,789,604$74,388,423
70$99,518,040$38,302,331$28,628,793$81,092,367
71$109,574,226$40,084,492$29,493,204$88,445,009
72$120,653,163$41,950,997$30,383,591$96,511,049
73$132,859,075$43,905,885$31,300,731$105,361,721
74$146,306,817$45,953,391$32,245,423$115,075,459
75$161,122,957$48,097,952$33,218,489$125,738,628
76$177,446,968$50,344,221$34,220,778$137,446,327
77$195,432,547$52,697,075$35,253,162$150,303,280
78$215,249,063$55,161,628$36,316,539$164,424,811
79$237,083,159$57,743,240$37,411,835$179,937,927
80$261,140,512$60,447,529$38,540,002$196,982,497
81$287,647,773$63,280,387$39,702,021$215,712,570
82$316,854,709$66,247,989$40,898,901$236,297,809
83$349,036,558$69,356,810$42,131,684$258,925,083
84$384,496,631$72,613,637$43,401,439$283,800,219
85$423,569,168$76,025,586$44,709,268$311,149,927
86$466,622,502$79,600,119$46,056,307$341,223,928
87$514,062,528$83,345,055$47,443,725$374,297,293
88$566,336,540$87,268,597$48,872,723$410,673,027
89$623,937,449$91,379,340$50,344,541$450,684,910
90$687,408,440$95,686,299$51,860,455$494,700,629
91$757,348,097$100,198,924$53,421,776$543,125,235
92$834,416,056$104,927,124$55,029,858$596,404,941
93$919,339,227$109,881,286$56,686,092$655,031,317
94$1,012,918,663$115,072,304$58,391,911$719,545,912
95$1,116,037,117$120,511,597$60,148,790$790,545,338
96$1,229,667,376$126,211,139$61,958,248$868,686,883
97$1,354,881,448$132,183,485$63,821,849$954,694,691
98$1,492,860,678$138,441,797$65,741,203$1,049,366,571
99$1,644,906,900$144,999,878$67,717,967$1,153,581,503
100$1,812,454,732$151,872,200$69,753,846$1,268,307,907