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

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 $16,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$1,370,812$1,358,602$1,346,689$1,335,061$1,323,707$1,273,199
2 years$678,620$665,981$653,733$641,856$630,337$580,045
3 years$447,919$435,226$423,008$411,244$399,912$351,419
4 years$332,592$319,937$307,842$296,278$285,220$238,896
5 years$263,413$250,835$238,898$227,570$216,820$172,783
6 years$217,309$204,825$193,065$181,989$171,562$129,843
7 years$184,391$172,012$160,438$149,624$139,526$100,112
8 years$159,713$147,446$136,064$125,515$115,750$78,603
9 years$140,529$128,378$117,192$106,911$97,479$62,546
10 years$125,192$113,159$102,171$92,159$83,057$50,273
11 years$112,651$100,739$89,949$80,206$71,431$40,724
12 years$102,207$90,418$79,828$70,351$61,901$33,190
13 years$93,377$81,711$71,321$62,109$53,979$27,181
14 years$85,816$74,273$64,082$55,134$47,318$22,347
15 years$79,268$67,850$57,857$49,170$41,662$18,429
16 years$73,544$62,251$52,456$44,026$36,821$15,237
17 years$68,499$57,331$47,733$39,557$32,648$12,625
18 years$64,020$52,976$43,574$35,649$29,029$10,478
19 years$60,017$49,098$39,890$32,212$25,874$8,708
20 years$56,418$45,624$36,609$29,174$23,111$7,245
21 years$53,167$42,497$33,673$26,477$20,682$6,034
22 years$50,215$39,670$31,035$24,074$18,539$5,030
23 years$47,523$37,102$28,656$21,925$16,641$4,195
24 years$45,060$34,762$26,501$19,996$14,958$3,501
25 years$42,797$32,623$24,546$18,262$13,460$2,923
26 years$40,712$30,660$22,765$16,698$12,124$2,441
27 years$38,785$28,855$21,139$15,284$10,931$2,040
28 years$36,998$27,190$19,652$14,003$9,863$1,705
29 years$35,337$25,650$18,288$12,841$8,906$1,425
30 years$33,790$24,224$17,034$11,785$8,047$1,191
31 years$32,346$22,900$15,880$10,824$7,275$996
32 years$30,995$21,668$14,817$9,947$6,581$833
33 years$29,728$20,520$13,834$9,147$5,956$697
34 years$28,538$19,448$12,926$8,416$5,392$583
35 years$27,419$18,446$12,085$7,748$4,884$487
36 years$26,365$17,508$11,305$7,135$4,425$408
37 years$25,369$16,629$10,582$6,574$4,011$341
38 years$24,429$15,803$9,909$6,060$3,636$285
39 years$23,538$15,027$9,284$5,587$3,297$239
40 years$22,695$14,297$8,702$5,154$2,991$200
41 years$21,894$13,610$8,159$4,755$2,713$167
42 years$21,134$12,961$7,654$4,388$2,462$140
43 years$20,411$12,350$7,182$4,051$2,234$117
44 years$19,723$11,772$6,742$3,740$2,028$98
45 years$19,067$11,225$6,330$3,454$1,841$82
46 years$18,442$10,709$5,945$3,191$1,672$69
47 years$17,845$10,219$5,586$2,948$1,518$57
48 years$17,275$9,756$5,249$2,724$1,379$48
49 years$16,729$9,316$4,934$2,517$1,252$40
50 years$16,207$8,899$4,638$2,327$1,137$34

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 $4,962 every year, while hoping to spend $39,463 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: 65/30/5 Blend
51$16,600,000$16,600,000$16,600,000$16,600,000
52$18,298,318$17,418,518$17,161,218$19,475,076
53$20,122,758$18,230,037$17,694,131$21,068,740
54$22,131,969$19,079,998$18,243,573$22,803,922
55$24,344,754$19,970,243$18,810,058$24,698,486
56$26,781,837$20,902,702$19,394,112$26,767,911
57$29,466,050$21,879,401$19,996,281$29,029,217
58$32,422,556$22,902,460$20,617,125$31,501,124
59$35,679,080$23,974,104$21,257,222$34,204,224
60$39,266,178$25,096,666$21,917,170$37,161,167
61$43,217,515$26,272,591$22,597,583$40,396,870
62$47,570,194$27,504,440$23,299,095$43,938,747
63$52,365,098$28,794,902$24,022,358$47,816,964
64$57,647,279$30,146,792$24,768,048$52,064,713
65$63,466,381$31,563,065$25,536,857$56,718,519
66$69,877,113$33,046,816$26,329,503$61,818,582
67$76,939,760$34,601,292$27,146,723$67,409,143
68$84,720,756$36,229,895$27,989,278$73,538,899
69$93,293,307$37,936,194$28,857,953$80,261,452
70$102,738,085$39,723,929$29,753,556$87,635,807
71$113,143,991$41,597,022$30,676,920$95,726,920
72$124,608,987$43,559,585$31,628,906$104,606,300
73$137,241,028$45,615,929$32,610,399$114,352,679
74$151,159,078$47,770,575$33,622,313$125,052,739
75$166,494,233$50,028,262$34,665,589$136,801,925
76$183,390,957$52,393,959$35,741,198$149,705,332
77$202,008,447$54,872,876$36,850,141$163,878,683
78$222,522,137$57,470,475$37,993,449$179,449,414
79$245,125,351$60,192,485$39,172,186$196,557,862
80$270,031,131$63,044,911$40,387,449$215,358,574
81$297,474,245$66,034,050$41,640,367$236,021,756
82$327,713,405$69,166,505$42,932,106$258,734,861
83$361,033,707$72,449,199$44,263,867$283,704,345
84$397,749,327$75,889,391$45,636,888$311,157,600
85$438,206,481$79,494,694$47,052,446$341,345,083
86$482,786,696$83,273,088$48,511,857$374,542,662
87$531,910,413$87,232,943$50,016,478$411,054,202
88$586,040,952$91,383,034$51,567,707$451,214,414
89$645,688,890$95,732,563$53,166,986$495,391,995
90$711,416,878$100,291,180$54,815,801$543,993,086
91$783,844,954$105,069,002$56,515,685$597,465,084
92$863,656,395$110,076,640$58,268,217$656,300,841
93$951,604,171$115,325,218$60,075,025$721,043,293
94$1,048,518,046$120,826,404$61,937,788$792,290,561
95$1,155,312,419$126,592,430$63,858,237$870,701,569
96$1,272,994,953$132,636,127$65,838,155$957,002,233
97$1,402,676,086$138,970,945$67,879,381$1,051,992,292
98$1,545,579,518$145,610,992$69,983,811$1,156,552,817
99$1,703,053,760$152,571,062$72,153,400$1,271,654,506
100$1,876,584,866$159,866,666$74,390,161$1,398,366,804