Can I retire at age 52 with 19,500,000?

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 $19,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$1,610,292$1,595,948$1,581,954$1,568,295$1,554,957$1,517,983
2 years$797,174$782,328$767,939$753,988$740,456$703,421
3 years$526,170$511,260$496,907$483,087$469,776$433,838
4 years$390,695$375,830$361,621$348,037$335,048$300,484
5 years$309,431$294,655$280,633$267,326$254,698$221,604
6 years$255,273$240,608$226,793$213,783$201,534$169,943
7 years$216,603$202,062$188,466$175,763$163,901$133,819
8 years$187,615$173,205$159,834$147,443$135,972$107,385
9 years$165,080$150,806$137,665$125,589$114,508$87,394
10 years$147,062$132,928$120,020$108,259$97,566$71,896
11 years$132,330$118,338$105,663$94,217$83,910$59,647
12 years$120,063$106,214$93,774$82,641$72,715$49,818
13 years$109,690$95,986$83,780$72,960$63,409$41,835
14 years$100,807$87,249$75,277$64,766$55,584$35,287
15 years$93,116$79,703$67,965$57,760$48,940$29,873
16 years$86,392$73,126$61,620$51,717$43,254$25,366
17 years$80,466$67,347$56,072$46,468$38,352$21,593
18 years$75,204$62,231$51,187$41,877$34,101$18,421
19 years$70,501$57,675$46,859$37,839$30,395$15,742
20 years$66,274$53,595$43,005$34,271$27,149$13,474
21 years$62,455$49,921$39,556$31,103$24,295$11,547
22 years$58,987$46,600$36,457$28,280$21,777$9,906
23 years$55,826$43,584$33,662$25,755$19,549$8,507
24 years$52,932$40,835$31,131$23,490$17,571$7,311
25 years$50,274$38,322$28,834$21,452$15,811$6,287
26 years$47,824$36,016$26,742$19,615$14,242$5,410
27 years$45,560$33,896$24,832$17,954$12,840$4,657
28 years$43,461$31,940$23,085$16,450$11,586$4,011
29 years$41,511$30,131$21,482$15,085$10,462$3,456
30 years$39,694$28,456$20,010$13,844$9,453$2,979
31 years$37,997$26,900$18,655$12,715$8,546$2,568
32 years$36,410$25,453$17,405$11,685$7,731$2,214
33 years$34,922$24,105$16,251$10,745$6,996$1,910
34 years$33,524$22,846$15,184$9,887$6,334$1,647
35 years$32,209$21,669$14,196$9,101$5,737$1,421
36 years$30,971$20,567$13,280$8,382$5,198$1,226
37 years$29,801$19,534$12,430$7,723$4,711$1,058
38 years$28,696$18,564$11,640$7,118$4,271$913
39 years$27,651$17,653$10,906$6,564$3,873$788
40 years$26,660$16,795$10,222$6,054$3,513$680
41 years$25,719$15,987$9,585$5,585$3,187$587
42 years$24,826$15,226$8,991$5,155$2,892$507
43 years$23,977$14,507$8,437$4,758$2,625$438
44 years$23,169$13,828$7,919$4,394$2,383$378
45 years$22,399$13,186$7,436$4,058$2,163$326
46 years$21,664$12,579$6,984$3,748$1,964$282
47 years$20,963$12,005$6,561$3,463$1,783$243
48 years$20,293$11,460$6,166$3,200$1,619$210
49 years$19,652$10,944$5,796$2,957$1,471$181
50 years$19,039$10,454$5,449$2,733$1,336$157

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $19,500,000, adding $5,587 every year, while hoping to spend $48,370 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: 33/38/29 Blend
51$19,500,000$19,500,000$19,500,000$19,500,000
52$21,494,763$20,461,263$20,159,013$22,014,655
53$23,635,764$21,412,400$20,782,875$23,362,922
54$25,993,525$22,408,521$21,426,014$24,810,279
55$28,590,106$23,451,780$22,089,027$26,369,234
56$31,449,813$24,544,433$22,772,526$28,049,710
57$34,599,431$25,688,848$23,477,143$29,862,581
58$38,068,475$26,887,503$24,203,529$31,819,765
59$41,889,468$28,142,999$24,952,356$33,934,325
60$46,098,250$29,458,062$25,724,316$36,220,590
61$50,734,313$30,835,549$26,520,123$38,694,275
62$55,841,178$32,278,456$27,340,511$41,372,620
63$61,466,799$33,789,921$28,186,239$44,274,544
64$67,664,023$35,373,237$29,058,088$47,420,811
65$74,491,083$37,031,856$29,956,865$50,834,217
66$82,012,152$38,769,395$30,883,398$54,539,788
67$90,297,943$40,589,647$31,838,543$58,565,010
68$99,426,382$42,496,589$32,823,184$62,940,070
69$109,483,341$44,494,390$33,838,228$67,698,131
70$120,563,447$46,587,420$34,884,614$72,875,628
71$132,770,977$48,780,262$35,963,307$78,512,600
72$146,220,842$51,077,720$37,075,303$84,653,048
73$161,039,670$53,484,831$38,221,628$91,345,338
74$177,367,005$56,006,876$39,403,341$98,642,638
75$195,356,619$58,649,392$40,621,532$106,603,403
76$215,177,965$61,418,184$41,877,325$115,291,909
77$237,017,781$64,319,338$43,171,878$124,778,837
78$261,081,845$67,359,236$44,506,387$135,141,922
79$287,596,924$70,544,569$45,882,081$146,466,668
80$316,812,909$73,882,353$47,300,230$158,847,126
81$349,005,180$77,379,942$48,762,142$172,386,765
82$384,477,199$81,045,050$50,269,165$187,199,422
83$423,563,379$84,885,763$51,822,687$203,410,348
84$466,632,239$88,910,561$53,424,143$221,157,370
85$514,089,883$93,128,333$55,075,006$240,592,156
86$566,383,832$97,548,403$56,776,801$261,881,626
87$624,007,253$102,180,545$58,531,094$285,209,492
88$687,503,610$107,035,008$60,339,502$310,777,958
89$757,471,794$112,122,540$62,203,692$338,809,604
90$834,571,783$117,454,410$64,125,380$369,549,441
91$919,530,862$123,042,434$66,106,339$403,267,198
92$1,013,150,500$128,899,003$68,148,391$440,259,821
93$1,116,313,907$135,037,110$70,253,418$480,854,243
94$1,229,994,376$141,470,379$72,423,358$525,410,423
95$1,355,264,471$148,213,096$74,660,209$574,324,704
96$1,493,306,152$155,280,243$76,966,031$628,033,507
97$1,645,421,933$162,687,527$79,342,946$687,017,402
98$1,813,047,177$170,451,424$81,793,142$751,805,597
99$1,997,763,651$178,589,205$84,318,874$822,980,878
100$2,201,314,454$187,118,987$86,922,467$901,185,059