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%19.6%
1 years$1,577,260$1,563,211$1,549,504$1,536,125$1,523,061$1,464,367
2 years$780,822$766,280$752,186$738,521$725,267$666,834
3 years$515,377$500,772$486,714$473,178$460,139$403,805
4 years$382,681$368,121$354,203$340,898$328,175$274,370
5 years$303,084$288,611$274,876$261,842$249,474$198,335
6 years$250,036$235,673$222,141$209,397$197,400$148,963
7 years$212,160$197,918$184,600$172,157$160,539$114,788
8 years$183,766$169,652$156,556$144,418$133,183$90,073
9 years$161,694$147,712$134,841$123,012$112,159$71,628
10 years$144,046$130,201$117,558$106,038$95,565$57,536
11 years$129,616$115,911$103,496$92,285$82,189$46,577
12 years$117,600$104,035$91,850$80,946$71,223$37,935
13 years$107,440$94,017$82,062$71,463$62,108$31,046
14 years$98,740$85,459$73,733$63,437$54,444$25,506
15 years$91,206$78,068$66,571$56,575$47,936$21,020
16 years$84,620$71,626$60,356$50,657$42,366$17,367
17 years$78,815$65,965$54,922$45,515$37,565$14,378
18 years$73,661$60,955$50,137$41,018$33,401$11,924
19 years$69,055$56,492$45,898$37,063$29,771$9,902
20 years$64,915$52,495$42,123$33,568$26,592$8,233
21 years$61,174$48,897$38,745$30,465$23,797$6,852
22 years$57,777$45,644$35,709$27,700$21,331$5,707
23 years$54,681$42,690$32,971$25,226$19,148$4,756
24 years$51,846$39,998$30,493$23,008$17,210$3,966
25 years$49,243$37,536$28,242$21,012$15,487$3,308
26 years$46,843$35,278$26,193$19,213$13,950$2,761
27 years$44,626$33,200$24,323$17,586$12,577$2,305
28 years$42,570$31,284$22,611$16,112$11,348$1,925
29 years$40,659$29,513$21,042$14,775$10,247$1,607
30 years$38,879$27,872$19,600$13,560$9,259$1,343
31 years$37,218$26,348$18,272$12,454$8,371$1,122
32 years$35,663$24,931$17,048$11,445$7,572$937
33 years$34,205$23,610$15,918$10,525$6,853$783
34 years$32,836$22,377$14,873$9,684$6,205$655
35 years$31,549$21,224$13,905$8,915$5,620$547
36 years$30,335$20,145$13,008$8,210$5,092$457
37 years$29,190$19,133$12,175$7,564$4,615$382
38 years$28,108$18,183$11,401$6,972$4,184$320
39 years$27,083$17,290$10,682$6,429$3,794$267
40 years$26,113$16,450$10,012$5,930$3,441$223
41 years$25,192$15,659$9,388$5,471$3,122$187
42 years$24,317$14,913$8,806$5,049$2,833$156
43 years$23,485$14,209$8,264$4,661$2,571$131
44 years$22,694$13,545$7,757$4,303$2,334$109
45 years$21,939$12,916$7,283$3,974$2,119$91
46 years$21,220$12,321$6,841$3,671$1,924$76
47 years$20,533$11,758$6,427$3,392$1,747$64
48 years$19,876$11,225$6,039$3,134$1,586$53
49 years$19,249$10,719$5,677$2,896$1,441$45
50 years$18,648$10,239$5,337$2,677$1,309$37

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 $2,698 every year, while hoping to spend $21,543 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: 73/10/17 Blend
51$19,100,000$19,100,000$19,100,000$19,100,000
52$21,050,983$20,038,683$19,742,633$22,505,177
53$23,175,262$20,997,657$20,381,090$24,429,030
54$25,515,495$22,002,898$21,040,212$26,532,970
55$28,093,687$23,056,652$21,720,671$28,837,178
56$30,934,086$24,161,271$22,423,157$31,361,529
57$34,063,414$25,319,225$23,148,384$34,127,903
58$37,511,116$26,533,100$23,897,088$37,160,390
59$41,309,640$27,805,613$24,670,031$40,485,511
60$45,494,744$29,139,608$25,467,998$44,132,469
61$50,105,831$30,538,073$26,291,799$48,133,417
62$55,186,325$32,004,136$27,142,273$52,523,763
63$60,784,073$33,541,083$28,020,283$57,342,497
64$66,951,808$35,152,355$28,926,721$62,632,556
65$73,747,636$36,841,564$29,862,510$68,441,226
66$81,235,591$38,612,497$30,828,600$74,820,583
67$89,486,237$40,469,125$31,825,974$81,827,983
68$98,577,334$42,415,612$32,855,645$89,526,596
69$108,594,573$44,456,329$33,918,660$97,986,000
70$119,632,384$46,595,854$35,016,100$107,282,830
71$131,794,829$48,838,992$36,149,081$117,501,499
72$145,196,582$51,190,783$37,318,756$128,734,989
73$159,964,012$53,656,510$38,526,312$141,085,722
74$176,236,377$56,241,715$39,772,980$154,666,525
75$194,167,138$58,952,210$41,060,026$169,601,681
76$213,925,409$61,794,091$42,388,759$186,028,106
77$235,697,549$64,773,750$43,760,531$204,096,628
78$259,688,929$67,897,893$45,176,738$223,973,405
79$286,125,861$71,173,551$46,638,820$245,841,489
80$315,257,743$74,608,099$48,148,265$269,902,547
81$347,359,408$78,209,272$49,706,608$296,378,751
82$382,733,723$81,985,182$51,315,435$325,514,874
83$421,714,444$85,944,336$52,976,382$357,580,591
84$464,669,367$90,095,658$54,691,141$392,873,012
85$512,003,803$94,448,507$56,461,455$431,719,483
86$564,164,405$99,012,697$58,289,127$474,480,663
87$621,643,378$103,798,524$60,176,017$521,553,919
88$684,983,134$108,816,783$62,124,046$573,377,070
89$754,781,408$114,078,799$64,135,195$630,432,505
90$831,696,900$119,596,449$66,211,512$693,251,729
91$916,455,498$125,382,188$68,355,112$762,420,368
92$1,009,857,126$131,449,083$70,568,176$838,583,683
93$1,112,783,300$137,810,836$72,852,957$922,452,651
94$1,226,205,447$144,481,817$75,211,782$1,014,810,664
95$1,351,194,079$151,477,102$77,647,052$1,116,520,908
96$1,488,928,894$158,812,500$80,161,248$1,228,534,498
97$1,640,709,921$166,504,592$82,756,930$1,351,899,445
98$1,807,969,787$174,570,770$85,436,740$1,487,770,528
99$1,992,287,243$183,029,276$88,203,409$1,637,420,184
100$2,195,402,073$191,899,242$91,059,755$1,802,250,501