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%15.4%
1 years$1,346,039$1,334,049$1,322,351$1,310,934$1,299,785$1,270,945
2 years$666,356$653,946$641,918$630,257$618,945$590,039
3 years$439,824$427,361$415,363$403,811$392,684$364,615
4 years$326,581$314,155$302,278$290,923$280,066$253,049
5 years$258,653$246,302$234,580$223,457$212,901$187,014
6 years$213,382$201,124$189,576$178,700$168,462$143,730
7 years$181,058$168,903$157,538$146,919$137,004$113,433
8 years$156,827$144,781$133,605$123,247$113,658$91,239
9 years$137,990$126,058$115,074$104,979$95,717$74,433
10 years$122,929$111,114$100,324$90,493$81,556$61,385
11 years$110,615$98,918$88,324$78,756$70,140$51,056
12 years$100,360$88,784$78,385$69,080$60,782$42,755
13 years$91,690$80,235$70,032$60,987$53,003$36,000
14 years$84,265$72,931$62,924$54,137$46,462$30,448
15 years$77,835$66,624$56,812$48,281$40,909$25,848
16 years$72,215$61,126$51,508$43,230$36,156$22,011
17 years$67,261$56,295$46,870$38,842$32,058$18,792
18 years$62,863$52,019$42,787$35,005$28,505$16,078
19 years$58,932$48,211$39,169$31,630$25,407$13,781
20 years$55,399$44,800$35,948$28,647$22,694$11,831
21 years$52,206$41,729$33,065$25,999$20,308$10,170
22 years$49,307$38,953$30,474$23,639$18,204$8,752
23 years$46,665$36,432$28,138$21,528$16,341$7,539
24 years$44,246$34,134$26,023$19,635$14,687$6,500
25 years$42,024$32,033$24,102$17,932$13,216$5,608
26 years$39,976$30,106$22,353$16,396$11,905$4,841
27 years$38,084$28,333$20,757$15,008$10,733$4,181
28 years$36,329$26,698$19,296$13,750$9,685$3,613
29 years$34,699$25,187$17,957$12,609$8,745$3,123
30 years$33,180$23,786$16,726$11,572$7,902$2,700
31 years$31,762$22,486$15,593$10,628$7,144$2,336
32 years$30,435$21,276$14,549$9,768$6,462$2,021
33 years$29,191$20,149$13,584$8,982$5,848$1,749
34 years$28,023$19,097$12,692$8,264$5,295$1,514
35 years$26,924$18,113$11,867$7,608$4,796$1,310
36 years$25,888$17,192$11,101$7,007$4,345$1,134
37 years$24,911$16,328$10,390$6,456$3,938$982
38 years$23,987$15,518$9,730$5,950$3,570$851
39 years$23,113$14,756$9,116$5,486$3,238$737
40 years$22,285$14,039$8,544$5,060$2,937$638
41 years$21,499$13,364$8,012$4,669$2,664$553
42 years$20,752$12,727$7,515$4,309$2,418$479
43 years$20,042$12,126$7,052$3,978$2,194$415
44 years$19,367$11,559$6,620$3,673$1,992$359
45 years$18,723$11,023$6,216$3,392$1,808$311
46 years$18,109$10,515$5,838$3,133$1,642$270
47 years$17,523$10,035$5,485$2,895$1,491$234
48 years$16,963$9,579$5,154$2,675$1,354$202
49 years$16,427$9,148$4,845$2,472$1,229$175
50 years$15,914$8,738$4,555$2,285$1,117$152

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 $3,942 every year, while hoping to spend $38,172 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: 66/9/25 Blend
51$16,300,000$16,300,000$16,300,000$16,300,000
52$17,966,666$17,102,766$16,850,116$19,035,511
53$19,758,651$17,900,187$17,373,980$20,553,075
54$21,732,140$18,735,402$17,914,115$22,206,945
55$23,905,604$19,610,223$18,471,024$24,014,338
56$26,299,401$20,526,549$19,045,228$25,990,373
57$28,935,961$21,486,371$19,637,264$28,151,693
58$31,840,001$22,491,776$20,247,685$30,516,613
59$35,038,760$23,544,951$20,877,061$33,105,299
60$38,562,251$24,648,191$21,525,980$35,939,950
61$42,443,549$25,803,901$22,195,049$39,045,004
62$46,719,099$27,014,600$22,884,891$42,447,368
63$51,429,064$28,282,933$23,596,152$46,176,671
64$56,617,702$29,611,669$24,329,496$50,265,534
65$62,333,780$31,003,714$25,085,607$54,749,880
66$68,631,043$32,462,113$25,865,191$59,669,266
67$75,568,711$33,990,058$26,668,978$65,067,256
68$83,212,047$35,590,898$27,497,715$70,991,825
69$91,632,965$37,268,142$28,352,179$77,495,812
70$100,910,717$39,025,470$29,233,165$84,637,408
71$111,132,631$40,866,739$30,141,498$92,480,709
72$122,394,944$42,795,994$31,078,023$101,096,310
73$134,803,708$44,817,477$32,043,616$110,561,969
74$148,475,786$46,935,634$33,039,177$120,963,339
75$163,539,962$49,155,126$34,065,635$132,394,766
76$180,138,153$51,480,842$35,123,949$144,960,178
77$198,426,749$53,917,907$36,215,106$158,774,059
78$218,578,088$56,471,696$37,340,123$173,962,527
79$240,782,087$59,147,842$38,500,050$190,664,512
80$265,248,027$61,952,254$39,695,969$209,033,070
81$292,206,538$64,891,126$40,928,996$229,236,813
82$321,911,768$67,970,955$42,200,281$251,461,500
83$354,643,786$71,198,550$43,511,008$275,911,780
84$390,711,227$74,581,053$44,862,401$302,813,119
85$430,454,200$78,125,953$46,255,720$332,413,919
86$474,247,505$81,841,101$47,692,263$364,987,856
87$522,504,167$85,734,732$49,173,371$400,836,455
88$575,679,336$89,815,477$50,700,423$440,291,929
89$634,274,585$94,092,392$52,274,843$483,720,303
90$698,842,641$98,574,968$53,898,099$531,524,863
91$769,992,608$103,273,159$55,571,703$584,149,954
92$848,395,715$108,197,405$57,297,216$642,085,162
93$934,791,650$113,358,650$59,076,245$705,869,927
94$1,029,995,547$118,768,373$60,910,448$776,098,624
95$1,134,905,679$124,438,609$62,801,534$853,426,163
96$1,250,511,938$130,381,980$64,751,265$938,574,160
97$1,377,905,181$136,611,722$66,761,457$1,032,337,735
98$1,518,287,526$143,141,713$68,833,983$1,135,593,009
99$1,672,983,705$149,986,509$70,970,773$1,249,305,358
100$1,843,453,567$157,161,371$73,173,817$1,374,538,514