Can I retire at age 52 with 19,700,000?

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 $19,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$1,626,808$1,612,317$1,598,179$1,584,380$1,570,906$1,553,854
2 years$805,350$790,351$775,815$761,721$748,050$730,881
3 years$531,567$516,503$502,004$488,042$474,594$457,841
4 years$394,702$379,685$365,330$351,607$338,484$322,276
5 years$312,605$297,677$283,511$270,068$257,310$241,694
6 years$257,891$243,076$229,119$215,975$203,601$188,596
7 years$218,825$204,135$190,399$177,565$165,582$151,194
8 years$189,539$174,981$161,474$148,955$137,366$123,595
9 years$166,773$152,353$139,077$126,877$115,682$102,523
10 years$148,571$134,291$121,251$109,369$98,567$86,010
11 years$133,688$119,552$106,747$95,184$84,771$72,807
12 years$121,294$107,303$94,735$83,489$73,461$62,076
13 years$110,815$96,971$84,640$73,708$64,059$53,241
14 years$101,841$88,144$76,049$65,430$56,154$45,887
15 years$94,071$80,521$68,662$58,352$49,442$39,711
16 years$87,278$73,876$62,253$52,248$43,697$34,484
17 years$81,291$68,037$56,647$46,944$38,745$30,034
18 years$75,975$62,870$51,712$42,306$34,450$26,223
19 years$71,225$58,267$47,339$38,227$30,706$22,945
20 years$66,954$54,144$43,446$34,622$27,427$20,113
21 years$63,095$50,433$39,962$31,422$24,544$17,660
22 years$59,592$47,078$36,831$28,570$22,001$15,527
23 years$56,398$44,031$34,007$26,019$19,749$13,668
24 years$53,475$41,254$31,451$23,731$17,751$12,044
25 years$50,790$38,715$29,130$21,672$15,973$10,624
26 years$48,315$36,386$27,016$19,816$14,388$9,378
27 years$46,027$34,243$25,087$18,138$12,972$8,284
28 years$43,907$32,267$23,322$16,618$11,705$7,322
29 years$41,936$30,440$21,703$15,239$10,569$6,476
30 years$40,101$28,748$20,215$13,986$9,550$5,730
31 years$38,387$27,176$18,846$12,845$8,634$5,072
32 years$36,783$25,714$17,584$11,805$7,810$4,492
33 years$35,280$24,352$16,418$10,856$7,068$3,979
34 years$33,868$23,080$15,340$9,988$6,399$3,526
35 years$32,540$21,891$14,342$9,195$5,796$3,125
36 years$31,288$20,778$13,416$8,468$5,252$2,770
37 years$30,107$19,734$12,558$7,802$4,760$2,456
38 years$28,991$18,754$11,760$7,191$4,315$2,178
39 years$27,934$17,834$11,017$6,631$3,913$1,932
40 years$26,933$16,967$10,327$6,116$3,549$1,714
41 years$25,983$16,151$9,683$5,643$3,220$1,521
42 years$25,081$15,382$9,083$5,208$2,922$1,349
43 years$24,223$14,656$8,523$4,807$2,652$1,198
44 years$23,406$13,970$8,001$4,439$2,407$1,063
45 years$22,628$13,322$7,512$4,099$2,185$943
46 years$21,886$12,708$7,056$3,787$1,984$837
47 years$21,178$12,128$6,629$3,498$1,802$743
48 years$20,501$11,577$6,229$3,233$1,636$660
49 years$19,854$11,056$5,855$2,987$1,486$586
50 years$19,234$10,561$5,505$2,761$1,350$520

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $19,700,000, adding $2,015 every year, while hoping to spend $21,809 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: 62/30/8 Blend
51$19,700,000$19,700,000$19,700,000$19,700,000
52$21,711,478$20,667,378$20,362,028$23,021,540
53$23,902,845$21,656,875$21,020,952$24,886,681
54$26,316,999$22,694,127$21,701,218$26,918,855
55$28,976,644$23,781,449$22,403,519$29,136,338
56$31,906,794$24,921,273$23,128,570$31,557,046
57$35,135,018$26,116,146$23,877,108$34,200,678
58$38,691,692$27,368,740$24,649,894$37,088,892
59$42,610,295$28,681,858$25,447,715$40,245,509
60$46,927,714$30,058,438$26,271,382$43,696,724
61$51,684,601$31,501,563$27,121,735$47,471,351
62$56,925,755$33,014,463$27,999,637$51,601,087
63$62,700,540$34,600,530$28,905,982$56,120,801
64$69,063,356$36,263,317$29,841,694$61,068,856
65$76,074,151$38,006,552$30,807,724$66,487,462
66$83,798,987$39,834,146$31,805,055$72,423,067
67$92,310,662$41,750,197$32,834,703$78,926,785
68$101,689,400$43,759,007$33,897,715$86,054,867
69$112,023,605$45,865,085$34,995,175$93,869,224
70$123,410,698$48,073,160$36,128,199$102,437,998
71$135,958,036$50,388,192$37,297,941$111,836,196
72$149,783,926$52,815,383$38,505,592$122,146,385
73$165,018,739$55,360,189$39,752,381$133,459,460
74$181,806,143$58,028,331$41,039,579$145,875,486
75$200,304,461$60,825,810$42,368,496$159,504,631
76$220,688,161$63,758,920$43,740,486$174,468,192
77$243,149,506$66,834,260$45,156,945$190,899,725
78$267,900,370$70,058,754$46,619,317$208,946,286
79$295,174,236$73,439,660$48,129,092$228,769,809
80$325,228,398$76,984,594$49,687,807$250,548,612
81$358,346,396$80,701,540$51,297,050$274,479,065
82$394,840,688$84,598,876$52,958,461$300,777,422
83$435,055,601$88,685,383$54,673,732$329,681,847
84$479,370,582$92,970,277$56,444,612$361,454,636
85$528,203,779$97,463,218$58,272,904$396,384,676
86$582,015,991$102,174,342$60,160,472$434,790,145
87$641,315,013$107,114,276$62,109,239$477,021,494
88$706,660,438$112,294,169$64,121,193$523,464,732
89$778,668,932$117,725,713$66,198,382$574,545,039
90$858,020,060$123,421,170$68,342,925$630,730,755
91$945,462,701$129,393,401$70,557,007$692,537,771
92$1,041,822,115$135,655,897$72,842,885$760,534,373
93$1,148,007,740$142,222,804$75,202,891$835,346,568
94$1,265,021,770$149,108,963$77,639,429$917,663,965
95$1,393,968,626$156,329,937$80,154,984$1,008,246,251
96$1,536,065,371$163,902,049$82,752,122$1,107,930,323
97$1,692,653,211$171,842,422$85,433,490$1,217,638,153
98$1,865,210,149$180,169,011$88,201,823$1,338,385,450
99$2,055,364,944$188,900,652$91,059,943$1,471,291,207
100$2,264,912,483$198,057,100$94,010,767$1,617,588,221