Can I retire at age 52 with 19,000,000?

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 $19,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$1,569,002$1,555,026$1,541,391$1,528,082$1,515,087$1,481,470
2 years$776,734$762,268$748,248$734,655$721,470$687,776
3 years$512,679$498,150$484,166$470,701$457,730$425,012
4 years$380,677$366,193$352,349$339,113$326,457$294,966
5 years$301,497$287,100$273,437$260,471$248,167$217,992
6 years$248,727$234,439$220,978$208,301$196,366$167,538
7 years$211,050$196,881$183,634$171,256$159,698$132,223
8 years$182,804$168,764$155,736$143,662$132,485$106,353
9 years$160,847$146,939$134,135$122,368$111,572$86,763
10 years$143,292$129,520$116,942$105,483$95,065$71,553
11 years$128,937$115,304$102,954$91,802$81,759$59,513
12 years$116,984$103,490$91,369$80,522$70,850$49,837
13 years$106,878$93,525$81,632$71,089$61,783$41,963
14 years$98,223$85,012$73,347$63,105$54,159$35,492
15 years$90,728$77,660$66,222$56,279$47,686$30,130
16 years$84,177$71,251$60,040$50,391$42,145$25,657
17 years$78,403$65,620$54,634$45,276$37,368$21,904
18 years$73,276$60,636$49,874$40,803$33,226$18,741
19 years$68,694$56,197$45,657$36,869$29,615$16,064
20 years$64,575$52,221$41,902$33,392$26,453$13,791
21 years$60,853$48,641$38,542$30,305$23,672$11,855
22 years$57,475$45,405$35,522$27,554$21,219$10,202
23 years$54,394$42,466$32,798$25,094$19,047$8,788
24 years$51,575$39,788$30,333$22,888$17,120$7,576
25 years$48,985$37,339$28,094$20,902$15,406$6,536
26 years$46,598$35,093$26,056$19,112$13,877$5,643
27 years$44,392$33,026$24,195$17,494$12,511$4,873
28 years$42,347$31,121$22,493$16,028$11,289$4,211
29 years$40,446$29,359$20,931$14,698$10,194$3,640
30 years$38,676$27,726$19,497$13,489$9,211$3,148
31 years$37,023$26,211$18,176$12,389$8,327$2,723
32 years$35,476$24,800$16,959$11,385$7,533$2,356
33 years$34,026$23,486$15,835$10,470$6,817$2,038
34 years$32,665$22,260$14,795$9,633$6,172$1,764
35 years$31,384$21,113$13,832$8,868$5,590$1,527
36 years$30,176$20,039$12,940$8,167$5,065$1,322
37 years$29,037$19,033$12,111$7,525$4,591$1,145
38 years$27,961$18,088$11,342$6,936$4,162$991
39 years$26,942$17,200$10,626$6,395$3,774$859
40 years$25,976$16,364$9,960$5,899$3,423$744
41 years$25,060$15,577$9,339$5,442$3,106$644
42 years$24,190$14,835$8,760$5,023$2,818$558
43 years$23,362$14,135$8,220$4,636$2,558$483
44 years$22,575$13,474$7,716$4,281$2,321$419
45 years$21,824$12,848$7,245$3,954$2,107$363
46 years$21,108$12,257$6,805$3,652$1,913$314
47 years$20,425$11,697$6,393$3,374$1,738$272
48 years$19,772$11,166$6,008$3,118$1,578$236
49 years$19,148$10,663$5,647$2,881$1,433$204
50 years$18,551$10,186$5,309$2,663$1,302$177

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $19,000,000, adding $3,724 every year, while hoping to spend $41,782 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: 75/6/19 Blend
51$19,000,000$19,000,000$19,000,000$19,000,000
52$20,941,841$19,934,841$19,640,341$22,419,477
53$23,033,453$20,867,193$20,253,837$24,331,490
54$25,337,010$21,843,829$20,886,484$26,421,198
55$27,874,084$22,866,876$21,538,881$28,710,713
56$30,668,450$23,938,563$22,211,643$31,219,943
57$33,746,305$25,061,225$22,905,406$33,970,813
58$37,136,515$26,237,312$23,620,824$36,987,463
59$40,870,891$27,469,392$24,358,574$40,296,481
60$44,984,488$28,760,158$25,119,351$43,927,144
61$49,515,931$30,112,431$25,903,875$47,911,696
62$54,507,786$31,529,171$26,712,885$52,285,650
63$60,006,960$33,013,480$27,547,146$57,088,118
64$66,065,140$34,568,610$28,407,446$62,362,180
65$72,739,284$36,197,972$29,294,595$68,155,286
66$80,092,160$37,905,141$30,209,433$74,519,703
67$88,192,933$39,693,866$31,152,821$81,513,003
68$97,117,823$41,568,076$32,125,652$89,198,603
69$106,950,822$43,531,893$33,128,842$97,646,362
70$117,784,486$45,589,637$34,163,340$106,933,237
71$129,720,812$47,745,837$35,230,120$117,144,003
72$142,872,196$50,005,244$36,330,190$128,372,055
73$157,362,497$52,372,838$37,464,588$140,720,277
74$173,328,205$54,853,840$38,634,385$154,302,019
75$190,919,729$57,453,725$39,840,684$169,242,156
76$210,302,817$60,178,234$41,084,623$185,678,263
77$231,660,124$63,033,386$42,367,376$203,761,913
78$255,192,927$66,025,493$43,690,154$223,660,099
79$281,123,036$69,161,173$45,054,205$245,556,806
80$309,694,879$72,447,364$46,460,814$269,654,745
81$341,177,815$75,891,343$47,911,310$296,177,260
82$375,868,674$79,500,740$49,407,060$325,370,429
83$414,094,557$83,283,556$50,949,476$357,505,385
84$456,215,931$87,248,178$52,540,012$392,880,863
85$502,630,021$91,403,405$54,180,168$431,826,023
86$553,774,571$95,758,459$55,871,491$474,703,541
87$610,131,969$100,323,015$57,615,577$521,913,035
88$672,233,801$105,107,214$59,414,070$573,894,823
89$740,665,873$110,121,692$61,268,667$631,134,075
90$816,073,740$115,377,603$63,181,115$694,165,389
91$899,168,798$120,886,642$65,153,219$763,577,824
92$990,735,001$126,661,073$67,186,837$840,020,456
93$1,091,636,263$132,713,758$69,283,888$924,208,495
94$1,202,824,612$139,058,182$71,446,348$1,016,930,030
95$1,325,349,178$145,708,488$73,676,257$1,119,053,459
96$1,460,366,098$152,679,508$75,975,715$1,231,535,675
97$1,609,149,431$159,986,794$78,346,892$1,355,431,092
98$1,773,103,181$167,646,656$80,792,022$1,491,901,587
99$1,953,774,561$175,676,197$83,313,409$1,642,227,458
100$2,152,868,589$184,093,353$85,913,431$1,807,819,502