Can I retire at age 52 with 19,300,000?

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 $19,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$1,593,776$1,579,579$1,565,729$1,552,210$1,539,009$1,530,593
2 years$788,998$774,304$760,063$746,255$732,861$724,370
3 years$520,774$506,016$491,811$478,133$464,957$456,652
4 years$386,688$371,975$357,912$344,468$331,612$323,557
5 years$306,257$291,633$277,755$264,584$252,086$244,306
6 years$252,655$238,140$224,467$211,590$199,467$191,972
7 years$214,382$199,990$186,533$173,960$162,220$155,013
8 years$185,691$171,428$158,195$145,931$134,577$127,659
9 years$163,387$149,259$136,253$124,301$113,333$106,702
10 years$145,554$131,565$118,789$107,148$96,566$90,218
11 years$130,973$117,124$104,580$93,251$83,050$76,982
12 years$118,831$105,124$92,812$81,794$71,969$66,175
13 years$108,565$95,002$82,921$72,212$62,759$57,234
14 years$99,774$86,354$74,505$64,101$55,014$49,751
15 years$92,161$78,886$67,268$57,167$48,438$43,432
16 years$85,506$72,376$60,988$51,187$42,810$38,052
17 years$79,641$66,656$55,497$45,991$37,958$33,442
18 years$74,433$61,593$50,662$41,447$33,751$29,468
19 years$69,778$57,084$46,378$37,451$30,083$26,026
20 years$65,595$53,045$42,564$33,919$26,871$23,032
21 years$61,814$49,409$39,150$30,784$24,046$20,417
22 years$58,382$46,122$36,083$27,990$21,554$18,127
23 years$55,253$43,137$33,316$25,491$19,348$16,115
24 years$52,389$40,416$30,812$23,249$17,390$14,343
25 years$49,758$37,929$28,538$21,232$15,649$12,780
26 years$47,334$35,647$26,468$19,414$14,096$11,397
27 years$45,093$33,548$24,578$17,770$12,709$10,172
28 years$43,015$31,612$22,848$16,281$11,467$9,085
29 years$41,085$29,822$21,262$14,930$10,355$8,119
30 years$39,286$28,164$19,805$13,702$9,356$7,260
31 years$37,607$26,624$18,463$12,584$8,459$6,495
32 years$36,036$25,192$17,227$11,565$7,652$5,814
33 years$34,563$23,857$16,085$10,635$6,925$5,206
34 years$33,180$22,611$15,029$9,785$6,269$4,663
35 years$31,879$21,446$14,051$9,008$5,678$4,178
36 years$30,653$20,356$13,144$8,296$5,145$3,745
37 years$29,496$19,333$12,303$7,644$4,663$3,357
38 years$28,402$18,374$11,521$7,045$4,228$3,010
39 years$27,367$17,471$10,794$6,496$3,834$2,700
40 years$26,386$16,623$10,117$5,992$3,477$2,422
41 years$25,456$15,823$9,487$5,528$3,155$2,173
42 years$24,572$15,070$8,899$5,102$2,863$1,950
43 years$23,731$14,358$8,350$4,710$2,598$1,750
44 years$22,931$13,686$7,838$4,349$2,358$1,571
45 years$22,169$13,051$7,360$4,016$2,141$1,410
46 years$21,442$12,450$6,912$3,710$1,944$1,266
47 years$20,748$11,881$6,494$3,427$1,765$1,136
48 years$20,085$11,342$6,103$3,167$1,603$1,020
49 years$19,450$10,831$5,736$2,927$1,456$916
50 years$18,844$10,347$5,393$2,705$1,322$823

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $19,300,000, adding $2,515 every year, while hoping to spend $29,623 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: 51/28/21 Blend
51$19,300,000$19,300,000$19,300,000$19,300,000
52$21,271,194$20,248,294$19,949,144$22,231,639
53$23,409,337$21,208,942$20,585,922$23,856,166
54$25,764,578$22,215,669$21,243,039$25,618,243
55$28,359,030$23,270,701$21,921,145$27,533,508
56$31,217,059$24,376,373$22,620,911$29,616,487
57$34,365,517$25,535,134$23,343,030$31,883,139
58$37,833,994$26,749,550$24,088,216$34,351,004
59$41,655,097$28,022,313$24,857,207$37,039,358
60$45,864,756$29,356,245$25,650,762$39,969,390
61$50,502,567$30,754,307$26,469,668$43,164,392
62$55,612,161$32,219,601$27,314,735$46,649,974
63$61,241,623$33,755,382$28,186,800$50,454,297
64$67,443,935$35,365,063$29,086,724$54,608,330
65$74,277,487$37,052,221$30,015,400$59,146,132
66$81,806,620$38,820,610$30,973,745$64,105,166
67$90,102,239$40,674,164$31,962,710$69,526,644
68$99,242,479$42,617,009$32,983,272$75,455,903
69$109,313,442$44,653,473$34,036,442$81,942,825
70$120,410,013$46,788,093$35,123,262$89,042,297
71$132,636,752$49,025,627$36,244,809$96,814,715
72$146,108,883$51,371,065$37,402,193$105,326,543
73$160,953,381$53,829,640$38,596,559$114,650,930
74$177,310,173$56,406,838$39,829,090$124,868,386
75$195,333,453$59,108,416$41,101,007$136,067,526
76$215,193,143$61,940,406$42,413,568$148,345,896
77$237,076,495$64,909,138$43,768,075$161,810,876
78$261,189,859$68,021,247$45,165,867$176,580,680
79$287,760,631$71,283,694$46,608,330$192,785,453
80$317,039,398$74,703,778$48,096,891$210,568,484
81$349,302,305$78,289,151$49,633,025$230,087,541
82$384,853,663$82,047,842$51,218,254$251,516,340
83$424,028,818$85,988,269$52,854,148$275,046,167
84$467,197,322$90,119,259$54,542,326$300,887,661
85$514,766,417$94,450,070$56,284,462$329,272,783
86$567,184,881$98,990,413$58,082,281$360,456,982
87$624,947,265$103,750,470$59,937,564$394,721,583
88$688,598,563$108,740,919$61,852,149$432,376,420
89$758,739,353$113,972,961$63,827,933$473,762,730
90$836,031,472$119,458,341$65,866,873$519,256,355
91$921,204,259$125,209,376$67,970,990$569,271,253
92$1,015,061,444$131,238,986$70,142,369$624,263,385
93$1,118,488,734$137,560,719$72,383,161$684,734,983
94$1,232,462,174$144,188,784$74,695,586$751,239,258
95$1,358,057,365$151,138,083$77,081,937$824,385,595
96$1,496,459,612$158,424,246$79,544,579$904,845,263
97$1,648,975,122$166,063,663$82,085,951$993,357,719
98$1,817,043,327$174,073,525$84,708,573$1,090,737,552
99$2,002,250,480$182,471,861$87,415,044$1,197,882,127
100$2,206,344,628$191,277,582$90,208,047$1,315,780,016