Can I retire at age 52 with 16,600,000?

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 $16,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$1,370,812$1,358,602$1,346,689$1,335,061$1,323,707$1,313,165
2 years$678,620$665,981$653,733$641,856$630,337$619,710
3 years$447,919$435,226$423,008$411,244$399,912$389,529
4 years$332,592$319,937$307,842$296,278$285,220$275,162
5 years$263,413$250,835$238,898$227,570$216,820$207,116
6 years$217,309$204,825$193,065$181,989$171,562$162,225
7 years$184,391$172,012$160,438$149,624$139,526$130,559
8 years$159,713$147,446$136,064$125,515$115,750$107,154
9 years$140,529$128,378$117,192$106,911$97,479$89,251
10 years$125,192$113,159$102,171$92,159$83,057$75,192
11 years$112,651$100,739$89,949$80,206$71,431$63,925
12 years$102,207$90,418$79,828$70,351$61,901$54,745
13 years$93,377$81,711$71,321$62,109$53,979$47,166
14 years$85,816$74,273$64,082$55,134$47,318$40,839
15 years$79,268$67,850$57,857$49,170$41,662$35,509
16 years$73,544$62,251$52,456$44,026$36,821$30,984
17 years$68,499$57,331$47,733$39,557$32,648$27,118
18 years$64,020$52,976$43,574$35,649$29,029$23,795
19 years$60,017$49,098$39,890$32,212$25,874$20,925
20 years$56,418$45,624$36,609$29,174$23,111$18,437
21 years$53,167$42,497$33,673$26,477$20,682$16,273
22 years$50,215$39,670$31,035$24,074$18,539$14,383
23 years$47,523$37,102$28,656$21,925$16,641$12,729
24 years$45,060$34,762$26,501$19,996$14,958$11,277
25 years$42,797$32,623$24,546$18,262$13,460$10,001
26 years$40,712$30,660$22,765$16,698$12,124$8,877
27 years$38,785$28,855$21,139$15,284$10,931$7,886
28 years$36,998$27,190$19,652$14,003$9,863$7,009
29 years$35,337$25,650$18,288$12,841$8,906$6,234
30 years$33,790$24,224$17,034$11,785$8,047$5,548
31 years$32,346$22,900$15,880$10,824$7,275$4,939
32 years$30,995$21,668$14,817$9,947$6,581$4,399
33 years$29,728$20,520$13,834$9,147$5,956$3,920
34 years$28,538$19,448$12,926$8,416$5,392$3,493
35 years$27,419$18,446$12,085$7,748$4,884$3,114
36 years$26,365$17,508$11,305$7,135$4,425$2,777
37 years$25,369$16,629$10,582$6,574$4,011$2,477
38 years$24,429$15,803$9,909$6,060$3,636$2,210
39 years$23,538$15,027$9,284$5,587$3,297$1,972
40 years$22,695$14,297$8,702$5,154$2,991$1,760
41 years$21,894$13,610$8,159$4,755$2,713$1,571
42 years$21,134$12,961$7,654$4,388$2,462$1,402
43 years$20,411$12,350$7,182$4,051$2,234$1,252
44 years$19,723$11,772$6,742$3,740$2,028$1,118
45 years$19,067$11,225$6,330$3,454$1,841$998
46 years$18,442$10,709$5,945$3,191$1,672$892
47 years$17,845$10,219$5,586$2,948$1,518$796
48 years$17,275$9,756$5,249$2,724$1,379$711
49 years$16,729$9,316$4,934$2,517$1,252$635
50 years$16,207$8,899$4,638$2,327$1,137$567

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $16,600,000, adding $4,488 every year, while hoping to spend $40,272 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: 39/39/22 Blend
51$16,600,000$16,600,000$16,600,000$16,600,000
52$18,297,829$17,418,029$17,160,729$18,891,459
53$20,121,359$18,228,664$17,692,765$20,130,929
54$22,129,539$19,077,669$18,241,273$21,466,145
55$24,341,160$19,966,884$18,806,765$22,909,111
56$26,776,932$20,898,234$19,389,764$24,469,633
57$29,459,670$21,873,739$19,990,813$26,158,468
58$32,414,520$22,895,516$20,610,469$27,987,414
59$35,669,188$23,965,783$21,249,307$29,969,420
60$39,254,207$25,086,868$21,907,920$32,118,693
61$43,203,220$26,261,209$22,586,919$34,450,830
62$47,553,303$27,491,363$23,286,936$36,982,954
63$52,345,310$28,780,010$24,008,618$39,733,868
64$57,624,262$30,129,960$24,752,637$42,724,224
65$63,439,768$31,544,159$25,519,681$45,976,704
66$69,846,497$33,025,696$26,310,464$49,516,229
67$76,904,692$34,577,808$27,125,717$53,370,183
68$84,680,740$36,203,890$27,966,198$57,568,657
69$93,247,796$37,907,500$28,832,685$62,144,726
70$102,686,474$39,692,371$29,725,983$67,134,746
71$113,085,611$41,562,413$30,646,920$72,578,685
72$124,543,100$43,521,729$31,596,349$78,520,488
73$137,166,821$45,574,618$32,575,151$85,008,480
74$151,075,651$47,725,589$33,584,233$92,095,801
75$166,400,593$49,979,368$34,624,531$99,840,903
76$183,286,008$52,340,912$35,697,008$108,308,074
77$201,890,982$54,815,418$36,802,658$117,568,039
78$222,390,822$57,408,332$37,942,506$127,698,603
79$244,978,714$60,125,369$39,117,609$138,785,371
80$269,867,548$62,972,518$40,329,055$150,922,538
81$297,291,926$65,956,059$41,577,965$164,213,755
82$327,510,373$69,082,576$42,865,498$178,773,088
83$360,807,783$72,358,975$44,192,844$194,726,075
84$397,498,108$75,792,495$45,561,235$212,210,888
85$437,927,315$79,390,728$46,971,937$231,379,611
86$482,476,660$83,161,632$48,426,255$252,399,653
87$531,566,282$87,113,555$49,925,538$275,455,302
88$585,659,171$91,255,247$51,471,171$300,749,439
89$645,265,538$95,595,886$53,064,588$328,505,423
90$710,947,632$100,145,094$54,707,261$358,969,167
91$783,325,048$104,912,961$56,400,711$392,411,437
92$863,080,574$109,910,067$58,146,506$429,130,365
93$950,966,640$115,147,508$59,946,261$469,454,237
94$1,047,812,417$120,636,915$61,801,641$513,744,554
95$1,154,531,650$126,390,490$63,714,362$562,399,405
96$1,272,131,278$132,421,025$65,686,194$615,857,190
97$1,401,720,948$138,741,934$67,718,960$674,600,715
98$1,544,523,480$145,367,285$69,814,541$739,161,706
99$1,701,886,421$152,311,828$71,974,874$810,125,789
100$1,875,294,761$159,591,032$74,201,957$888,137,965