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

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 $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%16.3%
1 years$1,569,002$1,555,026$1,541,391$1,528,082$1,515,087$1,476,064
2 years$776,734$762,268$748,248$734,655$721,470$682,415
3 years$512,679$498,150$484,166$470,701$457,730$419,865
4 years$380,677$366,193$352,349$339,113$326,457$290,072
5 years$301,497$287,100$273,437$260,471$248,167$213,364
6 years$248,727$234,439$220,978$208,301$196,366$163,179
7 years$211,050$196,881$183,634$171,256$159,698$128,129
8 years$182,804$168,764$155,736$143,662$132,485$102,519
9 years$160,847$146,939$134,135$122,368$111,572$83,183
10 years$143,292$129,520$116,942$105,483$95,065$68,219
11 years$128,937$115,304$102,954$91,802$81,759$56,416
12 years$116,984$103,490$91,369$80,522$70,850$46,965
13 years$106,878$93,525$81,632$71,089$61,783$39,308
14 years$98,223$85,012$73,347$63,105$54,159$33,042
15 years$90,728$77,660$66,222$56,279$47,686$27,874
16 years$84,177$71,251$60,040$50,391$42,145$23,585
17 years$78,403$65,620$54,634$45,276$37,368$20,004
18 years$73,276$60,636$49,874$40,803$33,226$17,002
19 years$68,694$56,197$45,657$36,869$29,615$14,476
20 years$64,575$52,221$41,902$33,392$26,453$12,343
21 years$60,853$48,641$38,542$30,305$23,672$10,537
22 years$57,475$45,405$35,522$27,554$21,219$9,005
23 years$54,394$42,466$32,798$25,094$19,047$7,703
24 years$51,575$39,788$30,333$22,888$17,120$6,594
25 years$48,985$37,339$28,094$20,902$15,406$5,648
26 years$46,598$35,093$26,056$19,112$13,877$4,840
27 years$44,392$33,026$24,195$17,494$12,511$4,150
28 years$42,347$31,121$22,493$16,028$11,289$3,560
29 years$40,446$29,359$20,931$14,698$10,194$3,055
30 years$38,676$27,726$19,497$13,489$9,211$2,622
31 years$37,023$26,211$18,176$12,389$8,327$2,251
32 years$35,476$24,800$16,959$11,385$7,533$1,933
33 years$34,026$23,486$15,835$10,470$6,817$1,660
34 years$32,665$22,260$14,795$9,633$6,172$1,426
35 years$31,384$21,113$13,832$8,868$5,590$1,225
36 years$30,176$20,039$12,940$8,167$5,065$1,053
37 years$29,037$19,033$12,111$7,525$4,591$905
38 years$27,961$18,088$11,342$6,936$4,162$777
39 years$26,942$17,200$10,626$6,395$3,774$668
40 years$25,976$16,364$9,960$5,899$3,423$574
41 years$25,060$15,577$9,339$5,442$3,106$494
42 years$24,190$14,835$8,760$5,023$2,818$424
43 years$23,362$14,135$8,220$4,636$2,558$365
44 years$22,575$13,474$7,716$4,281$2,321$314
45 years$21,824$12,848$7,245$3,954$2,107$270
46 years$21,108$12,257$6,805$3,652$1,913$232
47 years$20,425$11,697$6,393$3,374$1,738$199
48 years$19,772$11,166$6,008$3,118$1,578$171
49 years$19,148$10,663$5,647$2,881$1,433$147
50 years$18,551$10,186$5,309$2,663$1,302$127

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 $2,904 every year, while hoping to spend $49,826 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: 23/48/29 Blend
51$19,000,000$19,000,000$19,000,000$19,000,000
52$20,940,995$19,933,995$19,639,495$21,230,952
53$23,023,963$20,857,747$20,244,404$22,408,503
54$25,317,722$21,825,092$20,867,907$23,663,925
55$27,843,723$22,838,114$21,510,575$25,006,957
56$30,625,599$23,898,998$22,172,996$26,444,866
57$33,689,393$25,010,033$22,855,774$27,985,586
58$37,063,804$26,173,617$23,559,536$29,637,788
59$40,780,455$27,392,267$24,284,923$31,410,945
60$44,874,193$28,668,619$25,032,599$33,315,416
61$49,383,417$30,005,438$25,803,248$35,362,532
62$54,350,442$31,405,621$26,597,573$37,564,686
63$59,821,895$32,872,205$27,416,300$39,935,445
64$65,849,160$34,408,374$28,260,177$42,489,659
65$72,488,857$36,017,467$29,129,976$45,243,592
66$79,803,380$37,702,983$30,026,489$48,215,058
67$87,861,485$39,468,589$30,950,537$51,423,576
68$96,738,939$41,318,132$31,902,963$54,890,540
69$106,519,234$43,255,644$32,884,635$58,639,402
70$117,294,376$45,285,351$33,896,451$62,695,880
71$129,165,754$47,411,684$34,939,333$67,088,178
72$142,245,093$49,639,289$36,014,233$71,847,240
73$156,655,515$51,973,037$37,122,132$77,007,019
74$172,532,694$54,418,033$38,264,040$82,604,776
75$190,026,143$56,979,630$39,441,000$88,681,415
76$209,300,620$59,663,442$40,654,083$95,281,844
77$230,537,685$62,475,353$41,904,397$102,455,375
78$253,937,416$65,421,532$43,193,081$110,256,168
79$279,720,293$68,508,448$44,521,310$118,743,715
80$308,129,283$71,742,882$45,890,294$127,983,378
81$339,432,132$75,131,945$47,301,282$138,046,972
82$373,923,892$78,683,093$48,755,557$149,013,421
83$411,929,707$82,404,143$50,254,446$160,969,470
84$453,807,880$86,303,289$51,799,313$174,010,470
85$499,953,260$90,389,126$53,391,566$188,241,248
86$550,800,963$94,670,663$55,032,654$203,777,060
87$606,830,484$99,157,349$56,724,071$220,744,645
88$668,570,223$103,859,089$58,467,357$239,283,380
89$736,602,471$108,786,269$60,264,099$259,546,559
90$811,568,908$113,949,781$62,115,931$281,702,794
91$894,176,660$119,361,044$64,024,538$305,937,571
92$985,204,976$125,032,033$65,991,657$332,454,947
93$1,085,512,583$130,975,302$68,019,077$361,479,433
94$1,196,045,792$137,204,017$70,108,642$393,258,064
95$1,317,847,433$143,731,983$72,262,251$428,062,676
96$1,452,066,697$150,573,677$74,481,862$466,192,420
97$1,599,969,989$157,744,276$76,769,494$507,976,525
98$1,762,952,881$165,259,698$79,127,225$553,777,352
99$1,942,553,285$173,136,633$81,557,197$603,993,746
100$2,140,465,975$181,392,584$84,061,618$659,064,740