Can I retire at age 52 with 16,700,000?

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 $16,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$1,379,070$1,366,786$1,354,802$1,343,104$1,331,681$1,319,422
2 years$682,708$669,993$657,671$645,723$634,134$621,782
3 years$450,618$437,848$425,556$413,721$402,321$390,259
4 years$334,595$321,865$309,696$298,063$286,938$275,261
5 years$265,000$252,346$240,337$228,941$218,126$206,866
6 years$218,618$206,059$194,228$183,086$172,596$161,768
7 years$185,501$173,048$161,404$150,525$140,367$129,975
8 years$160,675$148,334$136,884$126,272$116,448$106,493
9 years$141,376$129,152$117,898$107,555$98,066$88,544
10 years$125,946$113,841$102,786$92,714$83,557$74,462
11 years$113,329$101,346$90,491$80,689$71,862$63,187
12 years$102,823$90,963$80,309$70,775$62,274$54,011
13 years$93,940$82,204$71,750$62,484$54,304$46,444
14 years$86,333$74,721$64,468$55,466$47,603$40,135
15 years$79,745$68,259$58,206$49,466$41,913$34,827
16 years$73,987$62,626$52,772$44,291$37,043$30,326
17 years$68,912$57,676$48,021$39,795$32,845$26,486
18 years$64,405$53,296$43,837$35,864$29,204$23,191
19 years$60,378$49,394$40,130$32,406$26,030$20,351
20 years$56,758$45,899$36,830$29,350$23,251$17,892
21 years$53,487$42,753$33,876$26,637$20,807$15,756
22 years$50,517$39,909$31,222$24,219$18,650$13,895
23 years$47,810$37,326$28,828$22,057$16,742$12,269
24 years$45,332$34,972$26,661$20,117$15,048$10,845
25 years$43,055$32,819$24,694$18,372$13,541$9,596
26 years$40,957$30,845$22,902$16,798$12,197$8,497
27 years$39,018$29,029$21,267$15,376$10,997$7,530
28 years$37,221$27,353$19,770$14,088$9,922$6,677
29 years$35,550$25,805$18,398$12,919$8,960$5,924
30 years$33,994$24,370$17,137$11,856$8,096$5,259
31 years$32,541$23,038$15,976$10,889$7,319$4,671
32 years$31,182$21,798$14,906$10,007$6,621$4,150
33 years$29,907$20,643$13,918$9,202$5,992$3,688
34 years$28,710$19,565$13,004$8,467$5,425$3,279
35 years$27,584$18,557$12,158$7,794$4,914$2,916
36 years$26,523$17,614$11,373$7,178$4,452$2,594
37 years$25,522$16,729$10,645$6,614$4,035$2,308
38 years$24,576$15,898$9,969$6,096$3,658$2,054
39 years$23,680$15,118$9,340$5,621$3,317$1,828
40 years$22,832$14,383$8,754$5,185$3,009$1,627
41 years$22,026$13,692$8,209$4,783$2,730$1,449
42 years$21,262$13,039$7,700$4,415$2,477$1,290
43 years$20,534$12,424$7,225$4,075$2,248$1,149
44 years$19,842$11,843$6,782$3,763$2,040$1,023
45 years$19,182$11,293$6,368$3,475$1,852$911
46 years$18,553$10,773$5,981$3,210$1,682$811
47 years$17,953$10,281$5,619$2,966$1,527$723
48 years$17,379$9,814$5,281$2,740$1,387$644
49 years$16,830$9,372$4,963$2,533$1,260$574
50 years$16,305$8,953$4,666$2,341$1,144$511

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $16,700,000, adding $2,669 every year, while hoping to spend $46,337 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: 75/7/18 Blend
51$16,700,000$16,700,000$16,700,000$16,700,000
52$18,406,153$17,521,053$17,262,203$19,710,307
53$20,234,278$18,330,282$17,791,185$21,383,556
54$22,247,320$19,177,611$18,336,334$23,211,101
55$24,464,089$20,064,857$18,898,144$25,213,063
56$26,905,317$20,993,925$19,477,122$27,406,808
57$29,593,845$21,966,814$20,073,792$29,811,461
58$32,554,845$22,985,615$20,688,692$32,448,079
59$35,816,053$24,052,525$21,322,377$35,339,852
60$39,408,035$25,169,842$21,975,421$38,512,315
61$43,364,468$26,339,978$22,648,411$41,993,593
62$47,722,468$27,565,461$23,341,957$45,814,658
63$52,522,930$28,848,939$24,056,683$50,009,623
64$57,810,922$30,193,190$24,793,235$54,616,059
65$63,636,104$31,601,125$25,552,277$59,675,350
66$70,053,202$33,075,796$26,334,493$65,233,076
67$77,122,520$34,620,401$27,140,590$71,339,445
68$84,910,511$36,238,294$27,971,293$78,049,763
69$93,490,403$37,932,991$28,827,352$85,424,951
70$102,942,894$39,708,178$29,709,539$93,532,119
71$113,356,908$41,567,717$30,618,647$102,445,195
72$124,830,437$43,515,660$31,555,496$112,245,620
73$137,471,467$45,556,252$32,520,930$123,023,112
74$151,398,994$47,693,945$33,515,818$134,876,511
75$166,744,150$49,933,407$34,541,057$147,914,707
76$183,651,439$52,279,530$35,597,568$162,257,665
77$202,280,102$54,737,444$36,686,303$178,037,549
78$222,805,620$57,312,526$37,808,242$195,399,973
79$245,421,369$60,010,415$38,964,393$214,505,364
80$270,340,445$62,837,022$40,155,797$235,530,475
81$297,797,680$65,798,545$41,383,525$258,670,046
82$328,051,851$68,901,482$42,648,681$284,138,642
83$361,388,130$72,152,645$43,952,403$312,172,669
84$398,120,772$75,559,177$45,295,861$343,032,602
85$438,596,081$79,128,567$46,680,263$377,005,435
86$483,195,683$82,868,668$48,106,853$414,407,389
87$532,340,121$86,787,712$49,576,911$455,586,890
88$586,492,835$90,894,331$51,091,759$500,927,847
89$646,164,527$95,197,576$52,652,756$550,853,276
90$711,917,989$99,706,937$54,261,303$605,829,280
91$784,373,411$104,432,365$55,918,844$666,369,447
92$864,214,239$109,384,291$57,626,866$733,039,689
93$952,193,627$114,573,656$59,386,901$806,463,574
94$1,049,141,542$120,011,930$61,200,527$887,328,209
95$1,155,972,605$125,711,141$63,069,371$976,390,713
96$1,273,694,724$131,683,900$64,995,108$1,074,485,360
97$1,403,418,606$137,943,431$66,979,464$1,182,531,442
98$1,546,368,245$144,503,601$69,024,217$1,301,541,940
99$1,703,892,476$151,378,948$71,131,199$1,432,633,075
100$1,877,477,712$158,584,719$73,302,297$1,577,034,837