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%13%
1 years$1,618,550$1,604,132$1,590,067$1,576,337$1,562,932$1,543,401
2 years$801,262$786,339$771,877$757,855$744,253$724,601
3 years$528,869$513,882$499,455$485,565$472,185$453,022
4 years$392,699$377,757$363,476$349,822$336,766$318,240
5 years$311,018$296,166$282,072$268,697$256,004$238,169
6 years$256,582$241,842$227,956$214,879$202,567$185,445
7 years$217,714$203,099$189,433$176,664$164,742$148,338
8 years$188,577$174,093$160,654$148,199$136,669$120,982
9 years$165,926$151,579$138,371$126,233$115,095$100,119
10 years$147,817$133,610$120,635$108,814$98,067$83,791
11 years$133,009$118,945$106,205$94,701$84,341$70,752
12 years$120,678$106,759$94,254$83,065$73,088$60,171
13 years$110,253$96,479$84,210$73,334$63,734$51,473
14 years$101,324$87,696$75,663$65,098$55,869$44,245
15 years$93,593$80,112$68,314$58,056$49,191$38,186
16 years$86,835$73,501$61,936$51,983$43,475$33,069
17 years$80,879$67,692$56,360$46,706$38,548$28,720
18 years$75,590$62,550$51,449$42,092$34,275$25,004
19 years$70,863$57,971$47,099$38,033$30,550$21,815
20 years$66,614$53,870$43,225$34,446$27,288$19,067
21 years$62,775$50,177$39,759$31,262$24,420$16,691
22 years$59,290$46,839$36,644$28,425$21,889$14,631
23 years$56,112$43,807$33,834$25,887$19,649$12,840
24 years$53,204$41,045$31,291$23,610$17,661$11,280
25 years$50,532$38,518$28,982$21,562$15,892$9,918
26 years$48,070$36,201$26,879$19,715$14,315$8,727
27 years$45,794$34,069$24,960$18,046$12,906$7,685
28 years$43,684$32,103$23,203$16,534$11,645$6,771
29 years$41,724$30,286$21,592$15,162$10,516$5,969
30 years$39,897$28,602$20,113$13,915$9,501$5,264
31 years$38,192$27,038$18,750$12,780$8,590$4,644
32 years$36,596$25,584$17,494$11,745$7,770$4,099
33 years$35,101$24,228$16,335$10,800$7,032$3,619
34 years$33,696$22,963$15,262$9,937$6,367$3,196
35 years$32,375$21,780$14,269$9,148$5,767$2,823
36 years$31,129$20,672$13,348$8,425$5,225$2,494
37 years$29,954$19,634$12,494$7,763$4,736$2,204
38 years$28,843$18,659$11,700$7,155$4,293$1,948
39 years$27,792$17,743$10,962$6,597$3,893$1,722
40 years$26,796$16,881$10,274$6,085$3,531$1,523
41 years$25,851$16,069$9,634$5,614$3,204$1,346
42 years$24,954$15,304$9,037$5,181$2,907$1,190
43 years$24,100$14,581$8,480$4,783$2,638$1,053
44 years$23,288$13,899$7,960$4,416$2,395$931
45 years$22,513$13,254$7,474$4,078$2,174$824
46 years$21,775$12,644$7,020$3,767$1,974$728
47 years$21,070$12,066$6,595$3,481$1,792$644
48 years$20,397$11,519$6,198$3,216$1,628$570
49 years$19,753$11,000$5,825$2,972$1,478$504
50 years$19,136$10,507$5,477$2,747$1,343$446

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 $3,920 every year, while hoping to spend $25,843 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: 71/8/21 Blend
51$19,600,000$19,600,000$19,600,000$19,600,000
52$21,603,243$20,564,443$20,260,643$23,025,509
53$23,779,278$21,544,604$20,911,878$24,954,308
54$26,176,401$22,571,927$21,584,063$27,062,038
55$28,817,138$23,648,695$22,277,873$29,369,221
56$31,726,308$24,777,303$22,994,004$31,895,629
57$34,931,263$25,960,263$23,733,175$34,663,029
58$38,462,142$27,200,207$24,496,127$37,695,385
59$42,352,160$28,499,896$25,283,627$41,019,082
60$46,637,917$29,862,227$26,096,464$44,663,172
61$51,359,744$31,290,237$26,935,456$48,659,643
62$56,562,088$32,787,108$27,801,444$53,043,720
63$62,293,926$34,356,181$28,695,297$57,854,195
64$68,609,231$36,000,958$29,617,913$63,133,783
65$75,567,478$37,725,111$30,570,219$68,929,531
66$83,234,209$39,532,490$31,553,170$75,293,250
67$91,681,651$41,427,135$32,567,754$82,282,004
68$100,989,395$43,413,280$33,614,989$89,958,645
69$111,245,150$45,495,367$34,695,928$98,392,398
70$122,545,569$47,678,054$35,811,655$107,659,513
71$134,997,163$49,966,224$36,963,292$117,843,981
72$148,717,307$52,365,002$38,151,995$129,038,317
73$163,835,343$54,879,758$39,378,958$141,344,433
74$180,493,809$57,516,127$40,645,413$154,874,593
75$198,849,776$60,280,016$41,952,634$169,752,467
76$219,076,339$63,177,623$43,301,933$186,114,289
77$241,364,244$66,215,445$44,694,666$204,110,144
78$265,923,692$69,400,296$46,132,232$223,905,374
79$292,986,322$72,739,325$47,616,076$245,682,132
80$322,807,401$76,240,026$49,147,688$269,641,095
81$355,668,229$79,910,260$50,728,609$296,003,352
82$391,878,797$83,758,272$52,360,426$325,012,483
83$431,780,715$87,792,707$54,044,780$356,936,852
84$475,750,431$92,022,633$55,783,364$392,072,130
85$524,202,793$96,457,561$57,577,925$430,744,078
86$577,594,960$101,107,463$59,430,267$473,311,615
87$636,430,717$105,982,799$61,342,252$520,170,195
88$701,265,235$111,094,542$63,315,803$571,755,532
89$772,710,310$116,454,195$65,352,903$628,547,705
90$851,440,136$122,073,825$67,455,600$691,075,675
91$938,197,676$127,966,089$69,626,009$759,922,271
92$1,033,801,671$134,144,259$71,866,312$835,729,679
93$1,139,154,370$140,622,256$74,178,762$919,205,496
94$1,255,250,049$147,414,680$76,565,684$1,011,129,393
95$1,383,184,399$154,536,844$79,029,479$1,112,360,466
96$1,524,164,866$162,004,808$81,572,625$1,223,845,332
97$1,679,522,054$169,835,415$84,197,679$1,346,627,050
98$1,850,722,284$178,046,331$86,907,282$1,481,854,956
99$2,039,381,441$186,656,086$89,704,160$1,630,795,496
100$2,247,280,225$195,684,111$92,591,127$1,794,844,168