Can I retire at age 52 with 16,900,000?

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 $16,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$1,395,586$1,383,155$1,371,027$1,359,189$1,347,630$1,327,491
2 years$690,884$678,017$665,547$653,456$641,728$621,485
3 years$456,014$443,092$430,653$418,676$407,139$387,419
4 years$338,602$325,719$313,405$301,632$290,375$271,332
5 years$268,174$255,368$243,215$231,683$220,738$202,427
6 years$221,236$208,527$196,554$185,278$174,663$157,104
7 years$187,723$175,121$163,337$152,328$142,048$125,248
8 years$162,599$150,111$138,523$127,784$117,842$101,799
9 years$143,069$130,698$119,310$108,843$99,240$83,945
10 years$127,454$115,204$104,017$93,824$84,558$69,999
11 years$114,686$102,560$91,575$81,655$72,722$58,885
12 years$104,054$92,052$81,270$71,622$63,020$49,888
13 years$95,065$83,188$72,610$63,232$54,954$42,509
14 years$87,366$75,616$65,240$56,130$48,173$36,394
15 years$80,700$69,076$58,903$50,058$42,415$31,282
16 years$74,873$63,376$53,404$44,822$37,487$26,977
17 years$69,737$58,367$48,596$40,272$33,238$23,330
18 years$65,177$53,934$44,362$36,293$29,554$20,224
19 years$61,101$49,985$40,611$32,794$26,342$17,567
20 years$57,438$46,449$37,271$29,701$23,529$15,286
21 years$54,127$43,265$34,282$26,956$21,056$13,321
22 years$51,122$40,386$31,596$24,509$18,874$11,624
23 years$48,382$37,773$29,173$22,321$16,942$10,154
24 years$45,874$35,391$26,980$20,358$15,228$8,879
25 years$43,571$33,212$24,989$18,592$13,703$7,770
26 years$41,448$31,214$23,176$17,000$12,343$6,805
27 years$39,485$29,376$21,521$15,560$11,128$5,963
28 years$37,666$27,681$20,007$14,256$10,041$5,228
29 years$35,976$26,114$18,618$13,073$9,067$4,587
30 years$34,401$24,662$17,342$11,998$8,193$4,025
31 years$32,931$23,314$16,167$11,019$7,407$3,534
32 years$31,555$22,059$15,084$10,127$6,700$3,104
33 years$30,265$20,891$14,084$9,313$6,064$2,726
34 years$29,054$19,800$13,160$8,568$5,490$2,396
35 years$27,915$18,780$12,303$7,888$4,972$2,106
36 years$26,841$17,825$11,510$7,264$4,505$1,851
37 years$25,828$16,929$10,773$6,693$4,083$1,627
38 years$24,870$16,089$10,088$6,169$3,702$1,431
39 years$23,964$15,299$9,452$5,688$3,357$1,258
40 years$23,105$14,556$8,859$5,247$3,045$1,107
41 years$22,290$13,856$8,307$4,841$2,762$974
42 years$21,516$13,196$7,792$4,467$2,507$857
43 years$20,780$12,573$7,312$4,124$2,275$754
44 years$20,080$11,984$6,863$3,808$2,065$663
45 years$19,412$11,428$6,445$3,517$1,875$583
46 years$18,775$10,902$6,053$3,248$1,702$513
47 years$18,168$10,404$5,687$3,001$1,545$452
48 years$17,587$9,932$5,344$2,773$1,404$398
49 years$17,032$9,484$5,023$2,563$1,275$350
50 years$16,500$9,060$4,722$2,369$1,158$308

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $16,900,000, adding $4,511 every year, while hoping to spend $34,599 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: 79/5/16 Blend
51$16,900,000$16,900,000$16,900,000$16,900,000
52$18,628,453$17,732,753$17,470,803$20,036,202
53$20,491,742$18,564,845$18,019,262$21,796,346
54$22,543,927$19,436,550$18,584,935$23,722,300
55$24,804,239$20,349,772$19,168,361$25,834,562
56$27,293,869$21,306,508$19,770,098$28,151,777
57$30,036,168$22,308,852$20,390,721$30,694,480
58$33,056,869$23,358,997$21,030,823$33,485,285
59$36,384,328$24,459,246$21,691,013$36,549,101
60$40,049,790$25,612,010$22,371,923$39,913,360
61$44,087,689$26,819,819$23,074,202$43,608,280
62$48,535,967$28,085,324$23,798,522$47,667,143
63$53,436,437$29,411,306$24,545,574$52,126,609
64$58,835,173$30,800,679$25,316,070$57,027,063
65$64,782,950$32,256,501$26,110,748$62,412,988
66$71,335,717$33,781,976$26,930,364$68,333,388
67$78,555,131$35,380,464$27,775,702$74,842,244
68$86,509,135$37,055,487$28,647,569$81,999,026
69$95,272,601$38,810,741$29,546,796$89,869,247
70$104,928,036$40,650,096$30,474,244$98,525,081
71$115,566,360$42,577,616$31,430,796$108,046,041
72$127,287,767$44,597,558$32,417,366$118,519,727
73$140,202,667$46,714,386$33,434,895$130,042,652
74$154,432,731$48,932,782$34,484,356$142,721,145
75$170,112,037$51,257,656$35,566,749$156,672,357
76$187,388,338$53,694,155$36,683,109$172,025,357
77$206,424,455$56,247,675$37,834,500$188,922,355
78$227,399,816$58,923,877$39,022,021$207,520,036
79$250,512,145$61,728,695$40,246,807$227,991,033
80$275,979,334$64,668,351$41,510,025$250,525,559
81$304,041,498$67,749,372$42,812,883$275,333,194
82$334,963,238$70,978,599$44,156,622$302,644,861
83$369,036,146$74,363,208$45,542,527$332,715,001
84$406,581,551$77,910,723$46,971,919$365,823,971
85$447,953,553$81,629,033$48,446,162$402,280,683
86$493,542,371$85,526,411$49,966,665$442,425,521
87$543,778,022$89,611,534$51,534,877$486,633,543
88$599,134,381$93,893,500$53,152,296$535,318,022
89$660,133,655$98,381,848$54,820,465$588,934,335
90$727,351,313$103,086,584$56,540,975$647,984,264
91$801,421,519$108,018,199$58,315,470$713,020,720
92$883,043,117$113,187,694$60,145,642$784,652,962
93$972,986,232$118,606,608$62,033,238$863,552,337
94$1,072,099,535$124,287,039$63,980,059$950,458,616
95$1,181,318,259$130,241,675$65,987,962$1,046,186,966
96$1,301,673,027$136,483,823$68,058,864$1,151,635,642
97$1,434,299,581$143,027,436$70,194,742$1,267,794,457
98$1,580,449,504$149,887,146$72,397,632$1,395,754,120
99$1,741,502,038$157,078,301$74,669,637$1,536,716,524
100$1,918,977,101$164,616,992$77,012,924$1,692,006,081