Can I retire at age 52 with 16,300,000?

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 $16,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$1,346,039$1,334,049$1,322,351$1,310,934$1,299,785$1,287,282
2 years$666,356$653,946$641,918$630,257$618,945$606,351
3 years$439,824$427,361$415,363$403,811$392,684$380,388
4 years$326,581$314,155$302,278$290,923$280,066$268,163
5 years$258,653$246,302$234,580$223,457$212,901$201,427
6 years$213,382$201,124$189,576$178,700$168,462$157,429
7 years$181,058$168,903$157,538$146,919$137,004$126,419
8 years$156,827$144,781$133,605$123,247$113,658$103,520
9 years$137,990$126,058$115,074$104,979$95,717$86,022
10 years$122,929$111,114$100,324$90,493$81,556$72,298
11 years$110,615$98,918$88,324$78,756$70,140$61,313
12 years$100,360$88,784$78,385$69,080$60,782$52,376
13 years$91,690$80,235$70,032$60,987$53,003$45,009
14 years$84,265$72,931$62,924$54,137$46,462$38,869
15 years$77,835$66,624$56,812$48,281$40,909$33,705
16 years$72,215$61,126$51,508$43,230$36,156$29,330
17 years$67,261$56,295$46,870$38,842$32,058$25,598
18 years$62,863$52,019$42,787$35,005$28,505$22,398
19 years$58,932$48,211$39,169$31,630$25,407$19,640
20 years$55,399$44,800$35,948$28,647$22,694$17,255
21 years$52,206$41,729$33,065$25,999$20,308$15,184
22 years$49,307$38,953$30,474$23,639$18,204$13,380
23 years$46,665$36,432$28,138$21,528$16,341$11,805
24 years$44,246$34,134$26,023$19,635$14,687$10,427
25 years$42,024$32,033$24,102$17,932$13,216$9,219
26 years$39,976$30,106$22,353$16,396$11,905$8,157
27 years$38,084$28,333$20,757$15,008$10,733$7,223
28 years$36,329$26,698$19,296$13,750$9,685$6,400
29 years$34,699$25,187$17,957$12,609$8,745$5,674
30 years$33,180$23,786$16,726$11,572$7,902$5,032
31 years$31,762$22,486$15,593$10,628$7,144$4,466
32 years$30,435$21,276$14,549$9,768$6,462$3,964
33 years$29,191$20,149$13,584$8,982$5,848$3,520
34 years$28,023$19,097$12,692$8,264$5,295$3,127
35 years$26,924$18,113$11,867$7,608$4,796$2,779
36 years$25,888$17,192$11,101$7,007$4,345$2,470
37 years$24,911$16,328$10,390$6,456$3,938$2,195
38 years$23,987$15,518$9,730$5,950$3,570$1,952
39 years$23,113$14,756$9,116$5,486$3,238$1,736
40 years$22,285$14,039$8,544$5,060$2,937$1,544
41 years$21,499$13,364$8,012$4,669$2,664$1,373
42 years$20,752$12,727$7,515$4,309$2,418$1,222
43 years$20,042$12,126$7,052$3,978$2,194$1,087
44 years$19,367$11,559$6,620$3,673$1,992$967
45 years$18,723$11,023$6,216$3,392$1,808$861
46 years$18,109$10,515$5,838$3,133$1,642$766
47 years$17,523$10,035$5,485$2,895$1,491$682
48 years$16,963$9,579$5,154$2,675$1,354$607
49 years$16,427$9,148$4,845$2,472$1,229$540
50 years$15,914$8,738$4,555$2,285$1,117$481

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $16,300,000, adding $3,947 every year, while hoping to spend $56,758 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: 58/12/30 Blend
51$16,300,000$16,300,000$16,300,000$16,300,000
52$17,966,671$17,102,771$16,850,121$18,860,549
53$19,738,882$17,880,417$17,354,210$20,252,298
54$21,689,955$18,694,265$17,873,284$21,762,875
55$23,838,076$19,546,030$18,407,784$23,408,957
56$26,203,281$20,437,506$18,958,167$25,203,719
57$28,807,650$21,370,578$19,524,899$27,161,654
58$31,675,510$22,347,216$20,108,463$29,298,711
59$34,833,671$23,369,489$20,709,355$31,632,438
60$38,311,673$24,439,561$21,328,086$34,182,148
61$42,142,067$25,559,703$21,965,181$36,969,095
62$46,360,724$26,732,295$22,621,180$40,016,673
63$51,007,169$27,959,828$23,296,641$43,350,632
64$56,124,957$29,244,917$23,992,135$46,999,318
65$61,762,084$30,590,299$24,708,253$50,993,934
66$67,971,438$31,998,845$25,445,601$55,368,834
67$74,811,299$33,473,563$26,204,803$60,161,842
68$82,345,889$35,017,605$26,986,502$65,414,601
69$90,645,979$36,634,277$27,791,359$71,172,966
70$99,789,553$38,327,041$28,620,054$77,487,429
71$109,862,549$40,099,527$29,473,287$84,413,593
72$120,959,666$41,955,541$30,351,779$92,012,687
73$133,185,259$43,899,070$31,256,271$100,352,144
74$146,654,326$45,934,295$32,187,526$109,506,228
75$161,493,589$48,065,597$33,146,330$119,556,731
76$177,842,693$50,297,569$34,133,491$130,593,737
77$195,855,524$52,635,026$35,149,839$142,716,467
78$215,701,659$55,083,014$36,196,230$156,034,210
79$237,567,970$57,646,823$37,273,545$170,667,345
80$261,660,383$60,331,998$38,382,689$186,748,472
81$288,205,828$63,144,352$39,524,595$204,423,655
82$317,454,375$66,089,977$40,700,221$223,853,795
83$349,681,598$69,175,263$41,910,555$245,216,137
84$385,191,173$72,406,903$43,156,611$268,705,939
85$424,317,751$75,791,919$44,439,435$294,538,301
86$467,430,107$79,337,669$45,760,102$322,950,191
87$514,934,629$83,051,866$47,119,717$354,202,671
88$567,279,153$86,942,599$48,519,419$388,583,350
89$624,957,185$91,018,345$49,960,378$426,409,089
90$688,512,567$95,287,993$51,443,800$468,028,981
91$758,544,605$99,760,860$52,970,923$513,827,637
92$835,713,729$104,446,717$54,543,023$564,228,804
93$920,747,727$109,355,804$56,161,412$619,699,351
94$1,014,448,616$114,498,859$57,827,440$680,753,664
95$1,117,700,211$119,887,139$59,542,496$747,958,493
96$1,231,476,470$125,532,447$61,308,007$821,938,281
97$1,356,850,690$131,447,157$63,125,445$903,381,049
98$1,495,005,633$137,644,241$64,996,321$993,044,876
99$1,647,244,701$144,137,301$66,922,191$1,091,765,037
100$1,815,004,231$150,940,600$68,904,654$1,200,461,875