Can I retire at age 52 with 19,800,000?

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 $19,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$1,635,065$1,620,501$1,606,292$1,592,422$1,578,880$1,564,345
2 years$809,438$794,363$779,753$765,588$751,848$737,203
3 years$534,265$519,125$504,552$490,519$477,003$462,703
4 years$396,706$381,612$367,185$353,392$340,203$326,357
5 years$314,192$299,188$284,950$271,439$258,617$245,267
6 years$259,200$244,310$230,282$217,072$204,634$191,796
7 years$219,936$205,171$191,366$178,467$166,423$154,102
8 years$190,501$175,869$162,293$149,711$138,064$126,261
9 years$167,619$153,126$139,783$127,521$116,270$104,980
10 years$149,325$134,973$121,866$109,924$99,067$88,285
11 years$134,366$120,159$107,289$95,667$85,201$74,917
12 years$121,910$107,848$95,216$83,913$73,834$64,037
13 years$111,378$97,463$85,069$74,082$64,384$55,065
14 years$102,358$88,591$76,435$65,762$56,439$47,585
15 years$94,548$80,930$69,011$58,648$49,693$41,291
16 years$87,721$74,251$62,569$52,513$43,919$35,956
17 years$81,704$68,383$56,935$47,183$38,942$31,403
18 years$76,361$63,189$51,974$42,521$34,625$27,496
19 years$71,586$58,563$47,580$38,421$30,862$24,129
20 years$67,294$54,419$43,666$34,798$27,567$21,213
21 years$63,416$50,689$40,165$31,581$24,669$18,681
22 years$59,895$47,317$37,018$28,715$22,112$16,474
23 years$56,685$44,254$34,179$26,151$19,849$14,546
24 years$53,746$41,463$31,610$23,851$17,841$12,858
25 years$51,047$38,911$29,277$21,782$16,054$11,377
26 years$48,560$36,570$27,153$19,917$14,461$10,074
27 years$46,261$34,417$25,214$18,230$13,038$8,928
28 years$44,130$32,431$23,440$16,703$11,764$7,917
29 years$42,149$30,595$21,813$15,317$10,623$7,024
30 years$40,304$28,894$20,318$14,057$9,598$6,235
31 years$38,582$27,314$18,942$12,910$8,678$5,538
32 years$36,970$25,845$17,673$11,865$7,850$4,920
33 years$35,459$24,475$16,501$10,911$7,104$4,373
34 years$34,040$23,197$15,418$10,039$6,432$3,888
35 years$32,705$22,002$14,415$9,241$5,826$3,457
36 years$31,447$20,883$13,485$8,511$5,278$3,075
37 years$30,260$19,834$12,621$7,842$4,784$2,736
38 years$29,138$18,850$11,819$7,228$4,337$2,435
39 years$28,076$17,924$11,073$6,664$3,933$2,167
40 years$27,070$17,053$10,379$6,147$3,567$1,929
41 years$26,115$16,233$9,732$5,671$3,236$1,717
42 years$25,208$15,460$9,129$5,234$2,937$1,529
43 years$24,346$14,730$8,567$4,832$2,665$1,362
44 years$23,525$14,041$8,041$4,461$2,419$1,213
45 years$22,743$13,389$7,550$4,120$2,196$1,080
46 years$21,997$12,773$7,092$3,806$1,994$962
47 years$21,285$12,189$6,662$3,516$1,811$857
48 years$20,605$11,636$6,261$3,249$1,644$763
49 years$19,954$11,112$5,885$3,003$1,493$680
50 years$19,332$10,615$5,533$2,775$1,357$606

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $19,800,000, adding $2,107 every year, while hoping to spend $32,583 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: 70/11/19 Blend
51$19,800,000$19,800,000$19,800,000$19,800,000
52$21,821,773$20,772,373$20,465,473$23,248,762
53$24,012,926$21,755,552$21,116,399$25,183,349
54$26,426,485$22,785,814$21,788,038$27,296,027
55$29,085,099$23,865,432$22,481,051$29,607,637
56$32,013,731$24,996,790$23,196,117$32,137,841
57$35,239,885$26,182,385$23,933,940$34,908,284
58$38,793,870$27,424,839$24,695,244$37,942,791
59$42,709,086$28,726,897$25,480,776$41,267,591
60$47,022,339$30,091,441$26,291,308$44,911,558
61$51,774,187$31,521,491$27,127,636$48,906,485
62$57,009,323$33,020,214$27,990,582$53,287,376
63$62,777,000$34,590,931$28,880,992$58,092,773
64$69,131,491$36,237,123$29,799,743$63,365,115
65$76,132,604$37,962,443$30,747,735$69,151,139
66$83,846,246$39,770,719$31,725,901$75,502,309
67$92,345,046$41,665,967$32,735,200$82,475,302
68$101,709,037$43,652,395$33,776,626$90,132,538
69$112,026,416$45,734,420$34,851,200$98,542,763
70$123,394,374$47,916,671$35,959,979$107,781,690
71$135,920,013$50,204,001$37,104,052$117,932,713
72$149,721,360$52,601,502$38,284,543$129,087,685
73$164,928,475$55,114,512$39,502,611$141,347,780
74$181,684,685$57,748,629$40,759,455$154,824,440
75$200,147,935$60,509,723$42,056,308$169,640,424
76$220,492,275$63,403,950$43,394,445$185,930,956
77$242,909,509$66,437,766$44,775,181$203,844,996
78$267,611,002$69,617,940$46,199,873$223,546,639
79$294,829,676$72,951,571$47,669,921$245,216,655
80$324,822,210$76,446,104$49,186,769$269,054,189
81$357,871,458$80,109,347$50,751,909$295,278,629
82$394,289,128$83,949,485$52,366,879$324,131,673
83$434,418,715$87,975,107$54,033,266$355,879,596
84$478,638,752$92,195,214$55,752,708$390,815,759
85$527,366,376$96,619,251$57,526,895$429,263,364
86$581,061,271$101,257,120$59,357,571$471,578,495
87$640,230,007$106,119,205$61,246,536$518,153,473
88$705,430,819$111,216,397$63,195,646$569,420,543
89$777,278,881$116,560,119$65,206,818$625,855,942
90$856,452,109$122,162,347$67,282,029$687,984,388
91$943,697,567$128,035,645$69,423,320$756,384,014
92$1,039,838,512$134,193,185$71,632,795$831,691,817
93$1,145,782,174$140,648,784$73,912,627$914,609,653
94$1,262,528,313$147,416,932$76,265,057$1,005,910,850
95$1,391,178,664$154,512,825$78,692,399$1,106,447,494
96$1,532,947,333$161,952,398$81,197,040$1,217,158,456
97$1,689,172,262$169,752,367$83,781,442$1,339,078,235
98$1,861,327,859$177,930,260$86,448,147$1,473,346,713
99$2,051,038,918$186,504,460$89,199,777$1,621,219,892
100$2,260,095,958$195,494,248$92,039,040$1,784,081,733