Can I retire at age 52 with 19,100,000?

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 $19,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$1,577,260$1,563,211$1,549,504$1,536,125$1,523,061$1,480,838
2 years$780,822$766,280$752,186$738,521$725,267$683,043
3 years$515,377$500,772$486,714$473,178$460,139$419,237
4 years$382,681$368,121$354,203$340,898$328,175$288,908
5 years$303,084$288,611$274,876$261,842$249,474$211,950
6 years$250,036$235,673$222,141$209,397$197,400$161,654
7 years$212,160$197,918$184,600$172,157$160,539$126,573
8 years$183,766$169,652$156,556$144,418$133,183$100,978
9 years$161,694$147,712$134,841$123,012$112,159$81,685
10 years$144,046$130,201$117,558$106,038$95,565$66,782
11 years$129,616$115,911$103,496$92,285$82,189$55,050
12 years$117,600$104,035$91,850$80,946$71,223$45,678
13 years$107,440$94,017$82,062$71,463$62,108$38,102
14 years$98,740$85,459$73,733$63,437$54,444$31,918
15 years$91,206$78,068$66,571$56,575$47,936$26,832
16 years$84,620$71,626$60,356$50,657$42,366$22,622
17 years$78,815$65,965$54,922$45,515$37,565$19,118
18 years$73,661$60,955$50,137$41,018$33,401$16,189
19 years$69,055$56,492$45,898$37,063$29,771$13,732
20 years$64,915$52,495$42,123$33,568$26,592$11,664
21 years$61,174$48,897$38,745$30,465$23,797$9,920
22 years$57,777$45,644$35,709$27,700$21,331$8,444
23 years$54,681$42,690$32,971$25,226$19,148$7,195
24 years$51,846$39,998$30,493$23,008$17,210$6,134
25 years$49,243$37,536$28,242$21,012$15,487$5,233
26 years$46,843$35,278$26,193$19,213$13,950$4,467
27 years$44,626$33,200$24,323$17,586$12,577$3,815
28 years$42,570$31,284$22,611$16,112$11,348$3,259
29 years$40,659$29,513$21,042$14,775$10,247$2,785
30 years$38,879$27,872$19,600$13,560$9,259$2,380
31 years$37,218$26,348$18,272$12,454$8,371$2,035
32 years$35,663$24,931$17,048$11,445$7,572$1,740
33 years$34,205$23,610$15,918$10,525$6,853$1,489
34 years$32,836$22,377$14,873$9,684$6,205$1,273
35 years$31,549$21,224$13,905$8,915$5,620$1,089
36 years$30,335$20,145$13,008$8,210$5,092$932
37 years$29,190$19,133$12,175$7,564$4,615$798
38 years$28,108$18,183$11,401$6,972$4,184$683
39 years$27,083$17,290$10,682$6,429$3,794$584
40 years$26,113$16,450$10,012$5,930$3,441$500
41 years$25,192$15,659$9,388$5,471$3,122$428
42 years$24,317$14,913$8,806$5,049$2,833$366
43 years$23,485$14,209$8,264$4,661$2,571$314
44 years$22,694$13,545$7,757$4,303$2,334$268
45 years$21,939$12,916$7,283$3,974$2,119$230
46 years$21,220$12,321$6,841$3,671$1,924$197
47 years$20,533$11,758$6,427$3,392$1,747$168
48 years$19,876$11,225$6,039$3,134$1,586$144
49 years$19,249$10,719$5,677$2,896$1,441$123
50 years$18,648$10,239$5,337$2,677$1,309$106

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $19,100,000, adding $5,286 every year, while hoping to spend $56,950 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: 21/50/29 Blend
51$19,100,000$19,100,000$19,100,000$19,100,000
52$21,053,653$20,041,353$19,745,303$21,301,586
53$23,140,531$20,962,784$20,346,176$22,451,587
54$25,438,362$21,927,458$20,965,270$23,674,980
55$27,968,603$22,937,431$21,603,134$24,981,547
56$30,754,897$23,994,863$22,260,336$26,378,060
57$33,823,299$25,102,013$22,937,460$27,871,911
58$37,202,517$26,261,253$23,635,106$29,471,167
59$40,924,187$27,475,068$24,353,895$31,184,637
60$45,023,167$28,746,059$25,094,464$33,021,945
61$49,537,873$30,076,958$25,857,471$34,993,611
62$54,510,631$31,470,625$26,643,592$37,111,134
63$59,988,088$32,930,058$27,453,525$39,387,089
64$66,021,643$34,458,401$28,287,988$41,835,236
65$72,667,936$36,058,947$29,147,720$44,470,632
66$79,989,381$37,735,152$30,033,484$47,309,760
67$88,054,757$39,490,633$30,946,065$50,370,673
68$96,939,854$41,329,187$31,886,271$53,673,141
69$106,728,193$43,254,790$32,854,934$57,238,830
70$117,511,807$45,271,613$33,852,913$61,091,481
71$129,392,115$47,384,026$34,881,090$65,257,122
72$142,480,879$49,596,612$35,940,375$69,764,295
73$156,901,257$51,914,174$37,031,705$74,644,299
74$172,788,964$54,341,747$38,156,046$79,931,474
75$190,293,556$56,884,610$39,314,391$85,663,495
76$209,579,840$59,548,298$40,507,764$91,881,713
77$230,829,429$62,338,610$41,737,221$98,631,515
78$254,242,459$65,261,630$43,003,846$105,962,733
79$280,039,474$68,323,734$44,308,758$113,930,083
80$308,463,509$71,531,605$45,653,110$122,593,662
81$339,782,386$74,892,253$47,038,088$132,019,481
82$374,291,239$78,413,023$48,464,914$142,280,058
83$412,315,304$82,101,620$49,934,847$153,455,078
84$454,212,983$85,966,118$51,449,183$165,632,106
85$500,379,234$90,014,984$53,009,257$178,907,386
86$551,249,293$94,257,095$54,616,444$193,386,707
87$607,302,786$98,701,758$56,272,161$209,186,370
88$669,068,257$103,358,731$57,977,864$226,434,247
89$737,128,154$108,238,243$59,735,058$245,270,945
90$812,124,331$113,351,023$61,545,287$265,851,090
91$894,764,105$118,708,315$63,410,147$288,344,747
92$985,826,933$124,321,912$65,331,276$312,938,975
93$1,086,171,771$130,204,177$67,310,366$339,839,544
94$1,196,745,184$136,368,074$69,349,155$369,272,830
95$1,318,590,278$142,827,194$71,449,436$401,487,895
96$1,452,856,549$149,595,789$73,613,055$436,758,783
97$1,600,810,737$156,688,803$75,841,912$475,387,052
98$1,763,848,780$164,121,903$78,137,965$517,704,554
99$1,943,508,998$171,911,518$80,503,229$564,076,509
100$2,141,486,609$180,074,876$82,939,780$614,904,882