Can I retire at age 52 with 19,900,000?

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 $19,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$1,643,323$1,628,686$1,614,404$1,600,465$1,586,854$1,563,786
2 years$813,526$798,375$783,691$769,454$755,645$732,452
3 years$536,964$521,747$507,100$492,997$479,412$456,817
4 years$398,709$383,539$369,039$355,176$341,921$320,096
5 years$315,778$300,700$286,390$272,810$259,923$238,933
6 years$260,509$245,544$231,445$218,168$205,668$185,537
7 years$221,047$206,207$192,332$179,368$167,263$147,998
8 years$191,463$176,758$163,113$150,467$138,761$120,359
9 years$168,466$153,899$140,489$128,165$116,857$99,308
10 years$150,079$135,655$122,482$110,479$99,568$82,860
11 years$135,045$120,765$107,831$96,150$85,632$69,748
12 years$122,526$108,393$95,697$84,337$74,207$59,129
13 years$111,940$97,955$85,499$74,457$64,710$50,416
14 years$102,875$89,039$76,821$66,094$56,724$43,193
15 years$95,026$81,338$69,359$58,944$49,944$37,151
16 years$88,165$74,626$62,885$52,778$44,141$32,061
17 years$82,117$68,728$57,222$47,421$39,138$27,747
18 years$76,747$63,508$52,237$42,736$34,800$24,070
19 years$71,948$58,858$47,820$38,615$31,018$20,923
20 years$67,634$54,694$43,887$34,974$27,706$18,220
21 years$63,736$50,945$40,367$31,741$24,794$15,890
22 years$60,197$47,556$37,205$28,860$22,224$13,875
23 years$56,971$44,478$34,352$26,283$19,950$12,130
24 years$54,018$41,673$31,770$23,972$17,931$10,615
25 years$51,305$39,108$29,425$21,892$16,135$9,297
26 years$48,805$36,755$27,290$20,017$14,534$8,148
27 years$46,495$34,591$25,342$18,322$13,104$7,146
28 years$44,353$32,595$23,558$16,787$11,824$6,271
29 years$42,362$30,749$21,923$15,394$10,676$5,506
30 years$40,508$29,040$20,420$14,128$9,647$4,836
31 years$38,776$27,452$19,037$12,975$8,722$4,249
32 years$37,157$25,975$17,762$11,925$7,889$3,735
33 years$35,638$24,599$16,585$10,966$7,140$3,284
34 years$34,212$23,314$15,496$10,090$6,464$2,888
35 years$32,870$22,113$14,487$9,288$5,855$2,540
36 years$31,606$20,989$13,553$8,554$5,305$2,235
37 years$30,413$19,934$12,685$7,881$4,808$1,966
38 years$29,285$18,945$11,879$7,264$4,359$1,731
39 years$28,218$18,015$11,129$6,698$3,953$1,523
40 years$27,206$17,139$10,432$6,178$3,585$1,341
41 years$26,247$16,315$9,781$5,700$3,253$1,181
42 years$25,336$15,538$9,175$5,260$2,952$1,039
43 years$24,469$14,805$8,610$4,856$2,679$915
44 years$23,644$14,112$8,082$4,484$2,431$806
45 years$22,858$13,457$7,589$4,141$2,207$710
46 years$22,108$12,837$7,127$3,825$2,004$625
47 years$21,393$12,251$6,696$3,534$1,820$551
48 years$20,709$11,695$6,292$3,265$1,653$485
49 years$20,055$11,168$5,914$3,018$1,501$427
50 years$19,429$10,668$5,560$2,789$1,363$376

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $19,900,000, adding $4,288 every year, while hoping to spend $57,973 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: 80/14/6 Blend
51$19,900,000$19,900,000$19,900,000$19,900,000
52$21,934,223$20,879,523$20,571,073$23,678,790
53$24,109,831$21,840,937$21,198,521$25,782,888
54$26,505,408$22,847,517$21,845,046$28,082,921
55$29,143,329$23,901,415$22,511,225$30,604,780
56$32,048,252$25,004,887$23,197,653$33,370,568
57$35,247,344$26,160,297$23,904,945$36,404,622
58$38,770,543$27,370,122$24,633,731$39,733,741
59$42,650,840$28,636,959$25,384,663$43,387,429
60$46,924,587$29,963,532$26,158,410$47,398,177
61$51,631,842$31,352,692$26,955,664$51,801,761
62$56,816,747$32,807,430$27,777,135$56,637,580
63$62,527,943$34,330,883$28,623,558$61,949,024
64$68,819,032$35,926,335$29,495,686$67,783,877
65$75,749,079$37,597,231$30,394,297$74,194,764
66$83,383,172$39,347,182$31,320,193$81,239,648
67$91,793,034$41,179,973$32,274,198$88,982,367
68$101,057,703$43,099,571$33,257,163$97,493,236
69$111,264,274$45,110,135$34,269,963$106,849,705
70$122,508,724$47,216,026$35,313,501$117,137,081
71$134,896,816$49,421,813$36,388,705$128,449,336
72$148,545,097$51,732,288$37,496,533$140,889,982
73$163,582,001$54,152,474$38,637,971$154,573,042
74$180,149,056$56,687,637$39,814,034$169,624,126
75$198,402,224$59,343,295$41,025,768$186,181,606
76$218,513,371$62,125,236$42,274,252$204,397,915
77$240,671,890$65,039,528$43,560,594$224,440,983
78$265,086,487$68,092,529$44,885,939$246,495,810
79$291,987,155$71,290,909$46,251,463$270,766,211
80$321,627,338$74,641,657$47,658,381$297,476,724
81$354,286,332$78,152,104$49,107,942$326,874,730
82$390,271,912$81,829,931$50,601,433$359,232,774
83$429,923,246$85,683,196$52,140,179$394,851,130
84$473,614,088$89,720,345$53,725,547$434,060,627
85$521,756,315$93,950,232$55,358,942$477,225,762
86$574,803,808$98,382,141$57,041,815$524,748,130
87$633,256,737$103,025,807$58,775,657$577,070,206
88$697,666,288$107,891,435$60,562,005$634,679,508
89$768,639,859$112,989,726$62,402,442$698,113,190
90$846,846,801$118,331,898$64,298,601$767,963,099
91$933,024,730$123,929,717$66,252,159$844,881,351
92$1,027,986,494$129,795,514$68,264,847$929,586,471
93$1,132,627,844$135,942,222$70,338,448$1,022,870,164
94$1,247,935,895$142,383,401$72,474,796$1,125,604,775
95$1,374,998,436$149,133,268$74,675,782$1,238,751,508
96$1,515,014,209$156,206,731$76,943,353$1,363,369,481
97$1,669,304,218$163,619,420$79,279,515$1,500,625,712
98$1,839,324,202$171,387,725$81,686,332$1,651,806,118
99$2,026,678,379$179,528,833$84,165,933$1,818,327,634
100$2,233,134,591$188,060,763$86,720,509$2,001,751,571