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

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 $19,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$1,593,776$1,579,579$1,565,729$1,552,210$1,539,009$1,492,135
2 years$788,998$774,304$760,063$746,255$732,861$686,039
3 years$520,774$506,016$491,811$478,133$464,957$419,655
4 years$386,688$371,975$357,912$344,468$331,612$288,176
5 years$306,257$291,633$277,755$264,584$252,086$210,635
6 years$252,655$238,140$224,467$211,590$199,467$160,037
7 years$214,382$199,990$186,533$173,960$162,220$124,809
8 years$185,691$171,428$158,195$145,931$134,577$99,162
9 years$163,387$149,259$136,253$124,301$113,333$79,875
10 years$145,554$131,565$118,789$107,148$96,566$65,017
11 years$130,973$117,124$104,580$93,251$83,050$53,355
12 years$118,831$105,124$92,812$81,794$71,969$44,067
13 years$108,565$95,002$82,921$72,212$62,759$36,585
14 years$99,774$86,354$74,505$64,101$55,014$30,499
15 years$92,161$78,886$67,268$57,167$48,438$25,513
16 years$85,506$72,376$60,988$51,187$42,810$21,402
17 years$79,641$66,656$55,497$45,991$37,958$17,995
18 years$74,433$61,593$50,662$41,447$33,751$15,159
19 years$69,778$57,084$46,378$37,451$30,083$12,791
20 years$65,595$53,045$42,564$33,919$26,871$10,807
21 years$61,814$49,409$39,150$30,784$24,046$9,141
22 years$58,382$46,122$36,083$27,990$21,554$7,739
23 years$55,253$43,137$33,316$25,491$19,348$6,558
24 years$52,389$40,416$30,812$23,249$17,390$5,560
25 years$49,758$37,929$28,538$21,232$15,649$4,717
26 years$47,334$35,647$26,468$19,414$14,096$4,004
27 years$45,093$33,548$24,578$17,770$12,709$3,400
28 years$43,015$31,612$22,848$16,281$11,467$2,888
29 years$41,085$29,822$21,262$14,930$10,355$2,454
30 years$39,286$28,164$19,805$13,702$9,356$2,085
31 years$37,607$26,624$18,463$12,584$8,459$1,773
32 years$36,036$25,192$17,227$11,565$7,652$1,507
33 years$34,563$23,857$16,085$10,635$6,925$1,282
34 years$33,180$22,611$15,029$9,785$6,269$1,090
35 years$31,879$21,446$14,051$9,008$5,678$927
36 years$30,653$20,356$13,144$8,296$5,145$788
37 years$29,496$19,333$12,303$7,644$4,663$671
38 years$28,402$18,374$11,521$7,045$4,228$571
39 years$27,367$17,471$10,794$6,496$3,834$485
40 years$26,386$16,623$10,117$5,992$3,477$413
41 years$25,456$15,823$9,487$5,528$3,155$351
42 years$24,572$15,070$8,899$5,102$2,863$299
43 years$23,731$14,358$8,350$4,710$2,598$254
44 years$22,931$13,686$7,838$4,349$2,358$217
45 years$22,169$13,051$7,360$4,016$2,141$184
46 years$21,442$12,450$6,912$3,710$1,944$157
47 years$20,748$11,881$6,494$3,427$1,765$133
48 years$20,085$11,342$6,103$3,167$1,603$114
49 years$19,450$10,831$5,736$2,927$1,456$97
50 years$18,844$10,347$5,393$2,705$1,322$82

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 $2,914 every year, while hoping to spend $27,961 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: 21/49/30 Blend
51$19,300,000$19,300,000$19,300,000$19,300,000
52$21,271,606$20,248,706$19,949,556$21,515,905
53$23,411,559$21,211,142$20,588,116$22,705,638
54$25,768,851$22,219,801$21,247,130$23,974,002
55$28,365,620$23,276,917$21,927,255$25,329,241
56$31,226,262$24,384,835$22,629,167$26,778,415
57$34,377,661$25,546,012$23,353,564$28,329,225
58$37,849,441$26,763,026$24,101,168$29,990,075
59$41,674,250$28,038,579$24,872,722$31,770,140
60$45,888,059$29,375,506$25,668,995$33,679,441
61$50,530,513$30,776,777$26,490,778$35,728,924
62$55,645,296$32,245,510$27,338,890$37,930,554
63$61,280,549$33,784,972$28,214,175$40,297,414
64$67,489,319$35,398,590$29,117,504$42,843,811
65$74,330,065$37,089,957$30,049,776$45,585,400
66$81,867,208$38,862,841$31,011,920$48,539,314
67$90,171,737$40,721,194$32,004,893$51,724,309
68$99,321,882$42,669,160$33,029,684$55,160,926
69$109,403,848$44,711,084$34,087,313$58,871,665
70$120,512,637$46,851,522$35,178,834$62,881,179
71$132,752,933$49,095,255$36,305,333$67,216,489
72$146,240,103$51,447,292$37,467,931$71,907,215
73$161,101,274$53,912,891$38,667,788$76,985,839
74$177,476,542$56,497,561$39,906,097$82,487,984
75$195,520,290$59,207,082$41,184,092$88,452,731
76$215,402,647$62,047,516$42,503,046$94,922,962
77$237,311,091$65,025,218$43,864,272$101,945,737
78$261,452,224$68,146,855$45,269,127$109,572,716
79$288,053,718$71,419,418$46,719,009$117,860,612
80$317,366,465$74,850,237$48,215,364$126,871,705
81$349,666,947$78,447,002$49,759,681$136,674,391
82$385,259,845$82,217,774$51,353,500$147,343,801
83$424,480,915$86,171,011$52,998,408$158,962,476
84$467,700,158$90,315,580$54,696,045$171,621,107
85$515,325,312$94,660,782$56,448,101$185,419,359
86$567,805,704$99,216,371$58,256,322$200,466,769
87$625,636,489$103,992,575$60,122,512$216,883,743
88$689,363,323$109,000,124$62,048,528$234,802,647
89$759,587,520$114,250,268$64,036,292$254,369,017
90$836,971,722$119,754,807$66,087,783$275,742,881
91$922,246,161$125,526,115$68,205,047$299,100,224
92$1,016,215,548$131,577,173$70,390,194$324,634,597
93$1,119,766,670$137,921,591$72,645,402$352,558,894
94$1,233,876,767$144,573,646$74,972,920$383,107,302
95$1,359,622,752$151,548,309$77,375,067$416,537,455
96$1,498,191,379$158,861,282$79,854,238$453,132,807
97$1,650,890,450$166,529,036$82,412,906$493,205,240
98$1,819,161,159$174,568,841$85,053,621$537,097,945
99$2,004,591,696$182,998,813$87,779,016$585,188,588
100$2,208,932,245$191,837,951$90,591,809$637,892,806