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

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 $16,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$1,362,555$1,350,418$1,338,576$1,327,019$1,315,733$1,268,545
2 years$674,532$661,969$649,794$637,990$626,540$579,509
3 years$445,221$432,604$420,460$408,766$397,502$352,108
4 years$330,588$318,010$305,987$294,493$283,502$240,089
5 years$261,826$249,324$237,459$226,199$215,514$174,197
6 years$216,000$203,592$191,902$180,893$170,529$131,339
7 years$183,280$170,976$159,471$148,722$138,686$101,613
8 years$158,751$146,558$135,244$124,759$115,053$80,067
9 years$139,683$127,605$116,486$106,267$96,891$63,945
10 years$124,437$112,478$101,555$91,603$82,556$51,593
11 years$111,972$100,132$89,407$79,722$71,001$41,957
12 years$101,592$89,873$79,347$69,927$61,528$34,333
13 years$92,815$81,219$70,891$61,735$53,654$28,233
14 years$85,299$73,826$63,696$54,802$47,032$23,309
15 years$78,790$67,441$57,509$48,873$41,411$19,305
16 years$73,101$61,876$52,140$43,761$36,599$16,031
17 years$68,087$56,986$47,446$39,319$32,451$13,341
18 years$63,634$52,657$43,312$35,434$28,854$11,122
19 years$59,655$48,802$39,650$32,018$25,718$9,286
20 years$56,078$45,349$36,389$28,998$22,972$7,762
21 years$52,846$42,241$33,470$26,318$20,558$6,495
22 years$49,912$39,431$30,848$23,929$18,427$5,439
23 years$47,237$36,879$28,483$21,793$16,541$4,558
24 years$44,789$34,553$26,342$19,876$14,867$3,822
25 years$42,540$32,426$24,398$18,152$13,378$3,206
26 years$40,467$30,475$22,628$16,597$12,051$2,691
27 years$38,551$28,681$21,012$15,192$10,865$2,259
28 years$36,775$27,026$19,533$13,919$9,804$1,897
29 years$35,124$25,496$18,177$12,764$8,852$1,594
30 years$33,587$24,078$16,932$11,714$7,999$1,339
31 years$32,151$22,762$15,785$10,759$7,232$1,125
32 years$30,808$21,537$14,727$9,887$6,541$945
33 years$29,549$20,396$13,751$9,092$5,920$795
34 years$28,367$19,331$12,848$8,366$5,360$668
35 years$27,254$18,335$12,012$7,701$4,855$562
36 years$26,206$17,403$11,237$7,092$4,399$472
37 years$25,216$16,529$10,518$6,535$3,987$397
38 years$24,281$15,708$9,849$6,023$3,614$334
39 years$23,397$14,937$9,228$5,554$3,277$281
40 years$22,558$14,211$8,649$5,123$2,973$236
41 years$21,763$13,528$8,110$4,726$2,697$198
42 years$21,007$12,883$7,608$4,362$2,447$167
43 years$20,288$12,275$7,139$4,026$2,221$140
44 years$19,604$11,701$6,701$3,718$2,016$118
45 years$18,953$11,158$6,292$3,433$1,830$99
46 years$18,331$10,644$5,910$3,171$1,662$83
47 years$17,738$10,158$5,552$2,930$1,509$70
48 years$17,171$9,697$5,217$2,707$1,370$59
49 years$16,629$9,260$4,904$2,502$1,245$50
50 years$16,110$8,846$4,610$2,313$1,130$42

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 $2,577 every year, while hoping to spend $54,784 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: 50/27/23 Blend
51$16,500,000$16,500,000$16,500,000$16,500,000
52$18,185,658$17,311,158$17,055,408$18,977,302
53$19,982,306$18,101,115$17,568,475$20,317,337
54$21,960,375$18,927,944$18,096,893$21,767,175
55$24,138,313$19,793,393$18,641,119$23,341,842
56$26,536,448$20,699,296$19,201,623$25,053,168
57$29,177,177$21,647,573$19,778,888$26,914,154
58$32,085,182$22,640,237$20,373,414$28,939,088
59$35,287,659$23,679,397$20,985,712$31,143,675
60$38,814,577$24,767,264$21,616,310$33,545,179
61$42,698,959$25,906,156$22,265,752$36,162,582
62$46,977,195$27,098,500$22,934,597$39,016,754
63$51,689,385$28,346,842$23,623,421$42,130,650
64$56,879,713$29,653,848$24,332,817$45,529,512
65$62,596,873$31,022,316$25,063,395$49,241,105
66$68,894,518$32,455,174$25,815,784$53,295,975
67$75,831,776$33,955,494$26,590,629$57,727,722
68$83,473,799$35,526,496$27,388,598$62,573,316
69$91,892,385$37,171,552$28,210,375$67,873,437
70$101,166,651$38,894,201$29,056,665$73,672,848
71$111,383,782$40,698,149$29,928,195$80,020,810
72$122,639,851$42,587,281$30,825,712$86,971,538
73$135,040,728$44,565,671$31,749,987$94,584,704
74$148,703,082$46,637,588$32,701,810$102,925,988
75$163,755,473$48,807,507$33,681,998$112,067,691
76$180,339,576$51,080,119$34,691,390$122,089,402
77$198,611,510$53,460,342$35,730,849$133,078,743
78$218,743,316$55,953,332$36,801,264$145,132,179
79$240,924,580$58,564,490$37,903,552$158,355,919
80$265,364,220$61,299,483$39,038,654$172,866,908
81$292,292,461$64,164,249$40,207,540$188,793,912
82$321,963,008$67,165,012$41,411,208$206,278,722
83$354,655,436$70,308,299$42,650,685$225,477,478
84$390,677,837$73,600,952$43,927,029$246,562,127
85$430,369,720$77,050,143$45,241,328$269,722,030
86$474,105,222$80,663,390$46,594,703$295,165,732
87$522,296,635$84,448,577$47,988,306$323,122,913
88$575,398,302$88,413,967$49,423,325$353,846,539
89$633,910,902$92,568,225$50,900,979$387,615,229
90$698,386,180$96,920,434$52,422,528$424,735,866
91$769,432,152$101,480,116$53,989,264$465,546,473
92$847,718,846$106,257,257$55,602,519$510,419,378
93$933,984,628$111,262,322$57,263,663$559,764,714
94$1,029,043,171$116,506,287$58,974,107$614,034,258
95$1,133,791,137$122,000,658$60,735,303$673,725,674
96$1,249,216,642$127,757,499$62,548,743$739,387,186
97$1,376,408,580$133,789,457$64,415,967$811,622,725
98$1,516,566,908$140,109,793$66,338,555$891,097,599
99$1,671,013,973$146,732,413$68,318,137$978,544,746
100$1,841,206,991$153,671,895$70,356,388$1,074,771,621