Can I retire at age 52 with 19,400,000?

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 $19,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$1,602,034$1,587,764$1,573,841$1,560,252$1,546,983$1,498,663
2 years$793,086$778,316$764,001$750,121$736,659$688,408
3 years$523,472$508,638$494,359$480,610$467,367$420,698
4 years$388,691$373,903$359,767$346,252$333,330$288,601
5 years$307,844$293,144$279,194$265,955$253,392$210,723
6 years$253,964$239,374$225,630$212,686$200,500$159,929
7 years$215,493$201,026$187,500$174,861$163,061$124,583
8 years$186,653$172,317$159,015$146,687$135,274$98,865
9 years$164,233$150,033$136,959$124,945$113,921$79,539
10 years$146,308$132,246$119,404$107,703$97,066$64,662
11 years$131,652$117,731$105,121$93,734$83,480$52,996
12 years$119,447$105,669$93,293$82,218$72,342$43,713
13 years$109,128$95,494$83,351$72,586$63,084$36,241
14 years$100,290$86,801$74,891$64,434$55,299$30,171
15 years$92,638$79,295$67,617$57,463$48,689$25,203
16 years$85,949$72,751$61,304$51,452$43,032$21,111
17 years$80,053$67,001$55,784$46,229$38,155$17,724
18 years$74,818$61,912$50,924$41,662$33,926$14,909
19 years$70,140$57,380$46,619$37,645$30,239$12,561
20 years$65,934$53,320$42,784$34,095$27,010$10,596
21 years$62,135$49,665$39,353$30,943$24,171$8,949
22 years$58,685$46,361$36,270$28,135$21,666$7,565
23 years$55,539$43,360$33,489$25,623$19,448$6,400
24 years$52,661$40,626$30,972$23,369$17,481$5,418
25 years$50,016$38,125$28,686$21,342$15,730$4,589
26 years$47,579$35,832$26,605$19,514$14,169$3,889
27 years$45,326$33,722$24,705$17,862$12,774$3,297
28 years$43,238$31,776$22,966$16,365$11,527$2,796
29 years$41,298$29,977$21,372$15,007$10,408$2,372
30 years$39,490$28,310$19,907$13,773$9,404$2,012
31 years$37,802$26,762$18,559$12,649$8,503$1,708
32 years$36,223$25,323$17,316$11,625$7,691$1,449
33 years$34,743$23,981$16,168$10,690$6,961$1,230
34 years$33,352$22,728$15,106$9,836$6,302$1,045
35 years$32,044$21,558$14,123$9,055$5,708$887
36 years$30,812$20,461$13,212$8,339$5,172$753
37 years$29,648$19,434$12,366$7,683$4,687$640
38 years$28,549$18,469$11,581$7,082$4,249$543
39 years$27,509$17,562$10,850$6,530$3,854$461
40 years$26,523$16,709$10,169$6,023$3,495$392
41 years$25,587$15,905$9,536$5,557$3,171$333
42 years$24,699$15,148$8,945$5,128$2,877$283
43 years$23,854$14,433$8,393$4,734$2,611$240
44 years$23,050$13,757$7,879$4,371$2,370$204
45 years$22,284$13,119$7,398$4,037$2,152$173
46 years$21,553$12,515$6,948$3,729$1,954$147
47 years$20,855$11,943$6,528$3,445$1,774$125
48 years$20,189$11,401$6,134$3,183$1,611$106
49 years$19,551$10,887$5,766$2,942$1,463$90
50 years$18,941$10,400$5,421$2,719$1,329$77

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $19,400,000, adding $5,265 every year, while hoping to spend $41,882 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: 82/9/9 Blend
51$19,400,000$19,400,000$19,400,000$19,400,000
52$21,384,231$20,356,031$20,055,331$23,110,411
53$23,520,860$21,308,914$20,682,622$25,194,017
54$25,874,022$22,307,085$21,329,524$27,474,965
55$28,465,759$23,352,719$21,996,650$29,977,864
56$31,320,359$24,448,095$22,684,630$32,724,938
57$34,464,588$25,595,603$23,394,117$35,740,659
58$37,927,938$26,797,751$24,125,783$39,051,976
59$41,742,912$28,057,165$24,880,321$42,688,573
60$45,945,322$29,376,599$25,658,445$46,683,138
61$50,574,634$30,758,941$26,460,892$51,071,675
62$55,674,337$32,207,219$27,288,422$55,893,838
63$61,292,353$33,724,607$28,141,818$61,193,307
64$67,481,494$35,314,433$29,021,889$67,018,192
65$74,299,952$36,980,186$29,929,468$73,421,485
66$81,811,856$38,725,525$30,865,415$80,461,562
67$90,087,874$40,554,284$31,830,614$88,202,725
68$99,205,879$42,470,485$32,825,982$96,715,809
69$109,251,684$44,478,345$33,852,458$106,078,844
70$120,319,857$46,582,285$34,911,016$116,377,793
71$132,514,605$48,786,939$36,002,658$127,707,352
72$145,950,764$51,097,169$37,128,416$140,171,847
73$160,754,881$53,518,069$38,289,357$153,886,212
74$177,066,407$56,054,983$39,486,579$168,977,067
75$195,039,017$58,713,514$40,721,216$185,583,913
76$214,842,057$61,499,535$41,994,436$203,860,441
77$236,662,141$64,419,207$43,307,445$223,975,979
78$260,704,919$67,478,988$44,661,484$246,117,084
79$287,197,013$70,685,650$46,057,835$270,489,300
80$316,388,156$74,046,295$47,497,821$297,319,089
81$348,553,553$77,568,368$48,982,803$326,855,968
82$383,996,475$81,259,678$50,514,186$359,374,853
83$423,051,125$85,128,412$52,093,421$395,178,651
84$466,085,790$89,183,154$53,722,000$434,601,110
85$513,506,319$93,432,907$55,401,466$478,009,966
86$565,759,955$97,887,112$57,133,407$525,810,405
87$623,339,556$102,555,666$58,919,462$578,448,879
88$686,788,247$107,448,949$60,761,320$636,417,316
89$756,704,548$112,577,848$62,660,724$700,257,754
90$833,748,025$117,953,775$64,619,471$770,567,446
91$918,645,514$123,588,701$66,639,414$848,004,494
92$1,012,197,986$129,495,176$68,722,464$933,294,050
93$1,115,288,104$135,686,364$70,870,590$1,027,235,151
94$1,228,888,561$142,176,066$73,085,825$1,130,708,253
95$1,354,071,259$148,978,758$75,370,265$1,244,683,531
96$1,492,017,427$156,109,617$77,726,069$1,370,230,026
97$1,644,028,779$163,584,562$80,155,466$1,508,525,729
98$1,811,539,793$171,420,285$82,660,753$1,660,868,682
99$1,996,131,264$179,634,290$85,244,300$1,828,689,228
100$2,199,545,218$188,244,936$87,908,550$2,013,563,492