Can I retire at age 52 with 16,400,000?

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 $16,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$1,354,297$1,342,233$1,330,464$1,318,976$1,307,759$1,286,624
2 years$670,444$657,958$645,856$634,123$622,742$601,507
3 years$442,523$429,982$417,912$406,289$395,093$374,419
4 years$328,585$316,083$304,133$292,708$281,784$261,830
5 years$260,239$247,813$236,019$224,828$214,208$195,031
6 years$214,691$202,358$190,739$179,797$169,495$151,119
7 years$182,169$169,940$158,505$147,821$137,845$120,274
8 years$157,789$145,670$134,425$124,003$114,356$97,587
9 years$138,836$126,832$115,780$105,623$96,304$80,329
10 years$123,683$111,796$100,940$91,048$82,056$66,861
11 years$111,293$99,525$88,866$79,239$70,571$56,140
12 years$100,976$89,329$78,866$69,503$61,155$47,470
13 years$92,252$80,727$70,462$61,361$53,328$40,369
14 years$84,782$73,379$63,310$54,470$46,747$34,493
15 years$78,313$67,033$57,160$48,577$41,160$29,587
16 years$72,658$61,501$51,824$43,496$36,377$25,462
17 years$67,674$56,640$47,158$39,081$32,255$21,973
18 years$63,249$52,338$43,049$35,219$28,679$19,007
19 years$59,294$48,506$39,409$31,824$25,563$16,473
20 years$55,738$45,075$36,168$28,823$22,833$14,302
21 years$52,526$41,985$33,268$26,158$20,433$12,435
22 years$49,610$39,192$30,661$23,784$18,315$10,826
23 years$46,951$36,655$28,310$21,660$16,441$9,435
24 years$44,517$34,343$26,182$19,756$14,777$8,231
25 years$42,282$32,230$24,250$18,042$13,297$7,186
26 years$40,222$30,291$22,491$16,497$11,978$6,278
27 years$38,317$28,507$20,885$15,100$10,799$5,488
28 years$36,552$26,862$19,415$13,835$9,744$4,801
29 years$34,912$25,341$18,067$12,687$8,799$4,201
30 years$33,383$23,932$16,829$11,643$7,950$3,678
31 years$31,956$22,624$15,689$10,693$7,188$3,221
32 years$30,621$21,407$14,638$9,827$6,502$2,822
33 years$29,370$20,273$13,668$9,037$5,884$2,473
34 years$28,195$19,214$12,770$8,315$5,327$2,167
35 years$27,089$18,224$11,939$7,654$4,825$1,900
36 years$26,047$17,297$11,169$7,049$4,372$1,666
37 years$25,064$16,428$10,454$6,495$3,962$1,461
38 years$24,134$15,613$9,790$5,987$3,592$1,281
39 years$23,255$14,846$9,172$5,520$3,258$1,124
40 years$22,421$14,125$8,597$5,091$2,955$986
41 years$21,631$13,446$8,061$4,698$2,681$865
42 years$20,880$12,805$7,562$4,335$2,432$759
43 years$20,165$12,201$7,096$4,002$2,208$666
44 years$19,486$11,630$6,660$3,695$2,004$585
45 years$18,838$11,090$6,254$3,413$1,819$513
46 years$18,220$10,580$5,874$3,152$1,652$450
47 years$17,630$10,096$5,518$2,912$1,500$395
48 years$17,067$9,638$5,186$2,691$1,362$347
49 years$16,528$9,204$4,874$2,487$1,237$304
50 years$16,012$8,792$4,582$2,299$1,124$267

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $16,400,000, adding $4,611 every year, while hoping to spend $51,254 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: 54/23/23 Blend
51$16,400,000$16,400,000$16,400,000$16,400,000
52$18,077,556$17,208,356$16,954,156$18,939,188
53$19,866,933$17,997,032$17,467,587$20,320,730
54$21,837,109$18,822,635$17,996,499$21,818,187
55$24,006,470$19,686,920$18,541,358$23,447,304
56$26,395,279$20,591,728$19,102,642$25,220,695
57$29,025,860$21,538,986$19,680,844$27,152,227
58$31,922,817$22,530,715$20,276,471$29,257,150
59$35,113,257$23,569,033$20,890,046$31,552,230
60$38,627,053$24,656,159$21,522,106$34,055,908
61$42,497,121$25,794,420$22,173,205$36,788,464
62$46,759,735$26,986,254$22,843,915$39,772,208
63$51,454,865$28,234,217$23,534,823$43,031,683
64$56,626,555$29,540,988$24,246,534$46,593,888
65$62,323,342$30,909,374$24,979,671$50,488,531
66$68,598,709$32,342,319$25,734,876$54,748,303
67$75,511,592$33,842,908$26,512,809$59,409,178
68$83,126,937$35,414,373$27,314,151$64,510,745
69$91,516,312$37,060,105$28,139,603$70,096,576
70$100,758,582$38,783,657$28,989,886$76,214,633
71$110,940,653$40,588,752$29,865,742$82,917,706
72$122,158,294$42,479,294$30,767,938$90,263,910
73$134,517,037$44,459,376$31,697,261$98,317,219
74$148,133,177$46,533,289$32,654,522$107,148,067
75$163,134,869$48,705,528$33,640,557$116,833,999
76$179,663,335$50,980,808$34,656,225$127,460,397
77$197,874,199$53,364,071$35,702,412$139,121,271
78$217,938,955$55,860,499$36,780,031$151,920,142
79$240,046,586$58,475,521$37,890,019$165,971,004
80$264,405,348$61,214,831$39,033,345$181,399,388
81$291,244,735$64,084,400$40,211,004$198,343,541
82$320,817,646$67,090,483$41,424,020$216,955,709
83$353,402,771$70,239,642$42,673,450$237,403,572
84$389,307,223$73,538,754$43,960,380$259,871,802
85$428,869,436$76,995,029$45,285,929$284,563,802
86$472,462,361$80,616,028$46,651,250$311,703,605
87$520,496,984$84,409,675$48,057,529$341,537,975
88$573,426,207$88,384,280$49,505,987$374,338,721
89$631,749,125$92,548,554$50,997,882$410,405,245
90$696,015,734$96,911,632$52,534,510$450,067,351
91$766,832,125$101,483,088$54,117,202$493,688,339
92$844,866,206$106,272,964$55,747,332$541,668,416
93$930,854,005$111,291,785$57,426,314$594,448,456
94$1,025,606,620$116,550,589$59,155,602$652,514,134
95$1,130,017,876$122,060,948$60,936,695$716,400,496
96$1,245,072,759$127,834,995$62,771,135$786,696,985
97$1,371,856,723$133,885,452$64,660,510$864,052,976
98$1,511,565,927$140,225,657$66,606,455$949,183,889
99$1,665,518,534$146,869,597$68,610,654$1,042,877,911
100$1,835,167,152$153,831,935$70,674,839$1,146,003,411