Can I retire at age 52 with 16,500,000?

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 $16,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$1,362,555$1,350,418$1,338,576$1,327,019$1,315,733$1,279,774
2 years$674,532$661,969$649,794$637,990$626,540$590,574
3 years$445,221$432,604$420,460$408,766$397,502$362,656
4 years$330,588$318,010$305,987$294,493$283,502$250,043
5 years$261,826$249,324$237,459$226,199$215,514$183,534
6 years$216,000$203,592$191,902$180,893$170,529$140,058
7 years$183,280$170,976$159,471$148,722$138,686$109,726
8 years$158,751$146,558$135,244$124,759$115,053$87,589
9 years$139,683$127,605$116,486$106,267$96,891$70,897
10 years$124,437$112,478$101,555$91,603$82,556$57,998
11 years$111,972$100,132$89,407$79,722$71,001$47,841
12 years$101,592$89,873$79,347$69,927$61,528$39,722
13 years$92,815$81,219$70,891$61,735$53,654$33,156
14 years$85,299$73,826$63,696$54,802$47,032$27,794
15 years$78,790$67,441$57,509$48,873$41,411$23,382
16 years$73,101$61,876$52,140$43,761$36,599$19,727
17 years$68,087$56,986$47,446$39,319$32,451$16,684
18 years$63,634$52,657$43,312$35,434$28,854$14,138
19 years$59,655$48,802$39,650$32,018$25,718$12,001
20 years$56,078$45,349$36,389$28,998$22,972$10,202
21 years$52,846$42,241$33,470$26,318$20,558$8,683
22 years$49,912$39,431$30,848$23,929$18,427$7,397
23 years$47,237$36,879$28,483$21,793$16,541$6,307
24 years$44,789$34,553$26,342$19,876$14,867$5,382
25 years$42,540$32,426$24,398$18,152$13,378$4,595
26 years$40,467$30,475$22,628$16,597$12,051$3,926
27 years$38,551$28,681$21,012$15,192$10,865$3,355
28 years$36,775$27,026$19,533$13,919$9,804$2,869
29 years$35,124$25,496$18,177$12,764$8,852$2,453
30 years$33,587$24,078$16,932$11,714$7,999$2,099
31 years$32,151$22,762$15,785$10,759$7,232$1,796
32 years$30,808$21,537$14,727$9,887$6,541$1,537
33 years$29,549$20,396$13,751$9,092$5,920$1,316
34 years$28,367$19,331$12,848$8,366$5,360$1,126
35 years$27,254$18,335$12,012$7,701$4,855$965
36 years$26,206$17,403$11,237$7,092$4,399$826
37 years$25,216$16,529$10,518$6,535$3,987$707
38 years$24,281$15,708$9,849$6,023$3,614$606
39 years$23,397$14,937$9,228$5,554$3,277$519
40 years$22,558$14,211$8,649$5,123$2,973$445
41 years$21,763$13,528$8,110$4,726$2,697$381
42 years$21,007$12,883$7,608$4,362$2,447$326
43 years$20,288$12,275$7,139$4,026$2,221$279
44 years$19,604$11,701$6,701$3,718$2,016$239
45 years$18,953$11,158$6,292$3,433$1,830$205
46 years$18,331$10,644$5,910$3,171$1,662$176
47 years$17,738$10,158$5,552$2,930$1,509$151
48 years$17,171$9,697$5,217$2,707$1,370$129
49 years$16,629$9,260$4,904$2,502$1,245$111
50 years$16,110$8,846$4,610$2,313$1,130$95

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $16,500,000, adding $3,367 every year, while hoping to spend $29,168 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: 39/34/27 Blend
51$16,500,000$16,500,000$16,500,000$16,500,000
52$18,186,473$17,311,973$17,056,223$18,749,897
53$20,010,459$18,129,225$17,596,572$19,978,332
54$22,019,513$18,985,545$18,154,045$21,302,823
55$24,232,483$19,882,816$18,729,185$22,734,490
56$26,670,136$20,823,014$19,322,552$24,283,119
57$29,355,356$21,808,208$19,934,724$25,959,446
58$32,313,362$22,840,570$20,566,297$27,775,250
59$35,571,944$23,922,376$21,217,886$29,743,457
60$39,161,722$25,056,013$21,890,126$31,878,258
61$43,116,444$26,243,984$22,583,671$34,195,230
62$47,473,295$27,488,912$23,299,197$36,711,479
63$52,273,251$28,793,549$24,037,401$39,445,793
64$57,561,471$30,160,781$24,799,002$42,418,809
65$63,387,714$31,593,632$25,584,741$45,653,199
66$69,806,815$33,095,274$26,395,384$49,173,875
67$76,879,201$34,669,034$27,231,721$53,008,214
68$84,671,462$36,318,399$28,094,566$57,186,305
69$93,256,976$38,047,026$28,984,759$61,741,226
70$102,716,608$39,858,750$29,903,169$66,709,338
71$113,139,465$41,757,592$30,850,688$72,130,624
72$124,623,746$43,747,770$31,828,242$78,049,048
73$137,277,661$45,833,703$32,836,781$84,512,960
74$151,220,457$48,020,030$33,877,288$91,575,538
75$166,583,544$50,311,611$34,950,777$99,295,275
76$183,511,731$52,713,546$36,058,294$107,736,519
77$202,164,599$55,231,181$37,200,918$116,970,062
78$222,718,001$57,870,121$38,379,761$127,073,793
79$245,365,728$60,636,248$39,595,974$138,133,417
80$270,321,333$63,535,725$40,850,740$150,243,244
81$297,820,151$66,575,017$42,145,282$163,507,063
82$328,121,519$69,760,906$43,480,861$178,039,104
83$361,511,223$73,100,500$44,858,780$193,965,089
84$398,304,199$76,601,255$46,280,379$211,423,406
85$438,847,501$80,270,991$47,747,046$230,566,388
86$483,523,583$84,117,906$49,260,209$251,561,728
87$532,753,904$88,150,599$50,821,342$274,594,041
88$587,002,912$92,378,089$52,431,967$299,866,576
89$646,782,425$96,809,830$54,093,653$327,603,115
90$712,656,462$101,455,742$55,808,020$358,050,051
91$785,246,571$106,326,223$57,576,739$391,478,687
92$865,237,695$111,432,181$59,401,533$428,187,771
93$953,384,636$116,785,055$61,284,181$468,506,277
94$1,050,519,185$122,396,839$63,226,517$512,796,483
95$1,157,557,972$128,280,113$65,230,435$561,457,353
96$1,275,511,118$134,448,072$67,297,888$614,928,269
97$1,405,491,776$140,914,552$69,430,891$673,693,137
98$1,548,726,634$147,694,062$71,631,523$738,284,921
99$1,706,567,501$154,801,821$73,901,929$809,290,626
100$1,880,504,065$162,253,789$76,244,323$887,356,801