Can I retire at age 52 with 19,600,000?

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 $19,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$1,618,550$1,604,132$1,590,067$1,576,337$1,562,932$1,547,253
2 years$801,262$786,339$771,877$757,855$744,253$728,462
3 years$528,869$513,882$499,455$485,565$472,185$456,770
4 years$392,699$377,757$363,476$349,822$336,766$321,848
5 years$311,018$296,166$282,072$268,697$256,004$241,625
6 years$256,582$241,842$227,956$214,879$202,567$188,745
7 years$217,714$203,099$189,433$176,664$164,742$151,483
8 years$188,577$174,093$160,654$148,199$136,669$123,973
9 years$165,926$151,579$138,371$126,233$115,095$102,957
10 years$147,817$133,610$120,635$108,814$98,067$86,479
11 years$133,009$118,945$106,205$94,701$84,341$73,294
12 years$120,678$106,759$94,254$83,065$73,088$62,571
13 years$110,253$96,479$84,210$73,334$63,734$53,735
14 years$101,324$87,696$75,663$65,098$55,869$46,374
15 years$93,593$80,112$68,314$58,056$49,191$40,186
16 years$86,835$73,501$61,936$51,983$43,475$34,946
17 years$80,879$67,692$56,360$46,706$38,548$30,478
18 years$75,590$62,550$51,449$42,092$34,275$26,649
19 years$70,863$57,971$47,099$38,033$30,550$23,351
20 years$66,614$53,870$43,225$34,446$27,288$20,500
21 years$62,775$50,177$39,759$31,262$24,420$18,026
22 years$59,290$46,839$36,644$28,425$21,889$15,872
23 years$56,112$43,807$33,834$25,887$19,649$13,994
24 years$53,204$41,045$31,291$23,610$17,661$12,351
25 years$50,532$38,518$28,982$21,562$15,892$10,911
26 years$48,070$36,201$26,879$19,715$14,315$9,646
27 years$45,794$34,069$24,960$18,046$12,906$8,535
28 years$43,684$32,103$23,203$16,534$11,645$7,556
29 years$41,724$30,286$21,592$15,162$10,516$6,693
30 years$39,897$28,602$20,113$13,915$9,501$5,932
31 years$38,192$27,038$18,750$12,780$8,590$5,260
32 years$36,596$25,584$17,494$11,745$7,770$4,665
33 years$35,101$24,228$16,335$10,800$7,032$4,140
34 years$33,696$22,963$15,262$9,937$6,367$3,674
35 years$32,375$21,780$14,269$9,148$5,767$3,262
36 years$31,129$20,672$13,348$8,425$5,225$2,897
37 years$29,954$19,634$12,494$7,763$4,736$2,573
38 years$28,843$18,659$11,700$7,155$4,293$2,286
39 years$27,792$17,743$10,962$6,597$3,893$2,031
40 years$26,796$16,881$10,274$6,085$3,531$1,805
41 years$25,851$16,069$9,634$5,614$3,204$1,604
42 years$24,954$15,304$9,037$5,181$2,907$1,426
43 years$24,100$14,581$8,480$4,783$2,638$1,267
44 years$23,288$13,899$7,960$4,416$2,395$1,127
45 years$22,513$13,254$7,474$4,078$2,174$1,002
46 years$21,775$12,644$7,020$3,767$1,974$891
47 years$21,070$12,066$6,595$3,481$1,792$792
48 years$20,397$11,519$6,198$3,216$1,628$704
49 years$19,753$11,000$5,825$2,972$1,478$626
50 years$19,136$10,507$5,477$2,747$1,343$557

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $19,600,000, adding $2,452 every year, while hoping to spend $26,250 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: 74/19/7 Blend
51$19,600,000$19,600,000$19,600,000$19,600,000
52$21,601,729$20,562,929$20,259,129$23,179,602
53$23,777,176$21,542,583$20,909,880$25,198,623
54$26,173,638$22,569,360$21,581,552$27,406,205
55$28,813,632$23,645,542$22,274,817$29,823,795
56$31,721,969$24,773,520$22,990,370$32,472,151
57$34,925,992$25,955,804$23,728,928$35,374,123
58$38,455,828$27,195,023$24,491,233$38,554,859
59$42,344,680$28,493,937$25,278,047$42,042,038
60$46,629,136$29,855,438$26,090,160$45,866,132
61$51,349,513$31,282,560$26,928,385$50,060,681
62$56,550,241$32,778,483$27,793,564$54,662,612
63$62,280,280$34,346,543$28,686,562$59,712,580
64$68,593,583$35,990,238$29,608,277$65,255,343
65$75,549,606$37,713,237$30,559,632$71,340,185
66$83,213,866$39,519,387$31,541,580$78,021,371
67$91,658,565$41,412,721$32,555,107$85,358,652
68$100,963,265$43,397,470$33,601,229$93,417,829
69$111,215,643$45,478,071$34,680,995$102,271,360
70$122,512,318$47,659,177$35,795,489$111,999,044
71$134,959,764$49,945,666$36,945,827$122,688,758
72$148,675,312$52,342,655$38,133,164$134,437,289
73$163,788,259$54,855,511$39,358,691$147,351,232
74$180,441,092$57,489,861$40,623,637$161,547,991
75$198,790,826$60,251,607$41,929,272$177,156,879
76$219,010,492$63,146,938$43,276,904$194,320,326
77$241,290,769$66,182,344$44,667,887$213,195,220
78$265,841,782$69,364,634$46,103,616$233,954,372
79$292,895,088$72,700,945$47,585,531$256,788,137
80$322,705,860$76,198,765$49,115,120$281,906,206
81$355,555,299$79,865,945$50,693,917$309,539,568
82$391,753,284$83,710,721$52,323,508$339,942,678
83$431,641,301$87,741,728$54,005,527$373,395,852
84$475,595,664$91,968,024$55,741,664$410,207,895
85$524,031,072$96,399,107$57,533,659$450,719,003
86$577,404,518$101,044,940$59,383,314$495,303,962
87$636,219,607$105,915,970$61,292,483$544,375,668
88$701,031,310$111,023,156$63,263,084$598,389,011
89$772,451,201$116,377,988$65,297,095$657,845,153
90$851,153,235$121,992,520$67,396,558$723,296,240
91$937,880,104$127,879,393$69,563,582$795,350,594
92$1,033,450,254$134,051,863$71,800,342$874,678,444
93$1,138,765,611$140,523,836$74,109,085$962,018,223
94$1,254,820,093$147,309,893$76,492,128$1,058,183,527
95$1,382,708,994$154,425,329$78,951,866$1,164,070,769
96$1,523,639,326$161,886,185$81,490,769$1,280,667,618
97$1,678,941,214$169,709,285$84,111,386$1,409,062,303
98$1,850,080,450$177,912,272$86,816,350$1,550,453,856
99$2,038,672,337$186,513,654$89,608,378$1,706,163,407
100$2,246,496,932$195,532,840$92,490,275$1,877,646,632