Can I retire at age 52 with 20,000,000?

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 $20,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$1,651,581$1,636,870$1,622,517$1,608,508$1,594,828$1,544,395
2 years$817,615$802,387$787,630$773,321$759,442$709,089
3 years$539,662$524,369$509,648$495,474$481,821$433,127
4 years$400,713$385,467$370,894$356,961$343,639$296,978
5 years$317,365$302,211$287,829$274,180$261,229$216,725
6 years$261,818$246,778$232,608$219,264$206,701$164,394
7 years$222,157$207,243$193,299$180,269$168,104$127,988
8 years$192,425$177,646$163,933$151,223$139,458$101,508
9 years$169,313$154,673$141,195$128,809$117,444$81,616
10 years$150,833$136,336$123,097$111,034$100,068$66,309
11 years$135,724$121,372$108,373$96,633$86,062$54,310
12 years$123,141$108,937$96,178$84,760$74,579$44,767
13 years$112,503$98,447$85,929$74,831$65,035$37,090
14 years$103,392$89,486$77,207$66,426$57,009$30,856
15 years$95,503$81,747$69,708$59,241$50,195$25,757
16 years$88,608$75,001$63,201$53,044$44,363$21,560
17 years$82,529$69,073$57,510$47,659$39,335$18,088
18 years$77,132$63,827$52,499$42,951$34,975$15,203
19 years$72,309$59,154$48,060$38,809$31,174$12,799
20 years$67,974$54,969$44,107$35,149$27,845$10,789
21 years$64,056$51,201$40,570$31,900$24,918$9,105
22 years$60,500$47,795$37,392$29,005$22,336$7,691
23 years$57,257$44,701$34,525$26,415$20,050$6,501
24 years$54,289$41,882$31,930$24,092$18,021$5,499
25 years$51,563$39,304$29,573$22,002$16,216$4,654
26 years$49,051$36,940$27,428$20,118$14,607$3,941
27 years$46,728$34,765$25,469$18,414$13,170$3,338
28 years$44,576$32,759$23,677$16,871$11,883$2,828
29 years$42,575$30,904$22,033$15,471$10,730$2,397
30 years$40,711$29,186$20,523$14,199$9,695$2,032
31 years$38,971$27,590$19,133$13,041$8,766$1,723
32 years$37,343$26,106$17,851$11,985$7,929$1,462
33 years$35,817$24,723$16,668$11,021$7,176$1,240
34 years$34,384$23,431$15,574$10,140$6,497$1,052
35 years$33,035$22,224$14,560$9,335$5,884$892
36 years$31,765$21,094$13,621$8,597$5,332$757
37 years$30,565$20,035$12,749$7,921$4,832$642
38 years$29,432$19,040$11,939$7,301$4,381$545
39 years$28,360$18,105$11,185$6,732$3,973$463
40 years$27,343$17,226$10,484$6,209$3,603$393
41 years$26,379$16,397$9,831$5,729$3,269$333
42 years$25,463$15,616$9,221$5,287$2,966$283
43 years$24,592$14,879$8,653$4,880$2,692$240
44 years$23,763$14,183$8,122$4,506$2,444$204
45 years$22,973$13,525$7,627$4,162$2,218$173
46 years$22,219$12,902$7,163$3,844$2,014$147
47 years$21,500$12,312$6,730$3,552$1,829$125
48 years$20,813$11,754$6,324$3,282$1,661$106
49 years$20,156$11,224$5,944$3,033$1,509$90
50 years$19,527$10,722$5,588$2,803$1,370$76

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $20,000,000, adding $6,017 every year, while hoping to spend $49,186 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: 32/39/29 Blend
51$20,000,000$20,000,000$20,000,000$20,000,000
52$22,046,207$20,986,207$20,676,207$22,556,629
53$24,242,586$21,962,197$21,316,526$23,925,959
54$26,661,348$22,984,363$21,976,648$25,395,039
55$29,325,123$24,054,914$22,657,183$26,976,437
56$32,258,849$25,176,168$23,358,762$28,680,084
57$35,490,006$26,350,555$24,082,035$30,516,860
58$39,048,874$27,580,620$24,827,671$32,498,684
59$42,968,823$28,869,034$25,596,361$34,638,624
60$47,286,620$30,218,594$26,388,816$36,951,003
61$52,042,784$31,632,234$27,205,771$39,451,531
62$57,281,965$33,113,030$28,047,981$42,157,437
63$63,053,362$34,664,205$28,916,225$45,087,623
64$69,411,194$36,289,141$29,811,308$48,262,835
65$76,415,207$37,991,379$30,734,057$51,705,836
66$84,131,236$39,774,635$31,685,327$55,441,622
67$92,631,834$41,642,804$32,665,997$59,497,632
68$101,996,948$43,599,968$33,676,974$63,904,003
69$112,314,678$45,650,408$34,719,195$68,693,834
70$123,682,110$47,798,612$35,793,622$73,903,485
71$136,206,226$50,049,285$36,901,249$79,572,906
72$150,004,921$52,407,360$38,043,101$85,745,997
73$165,208,111$54,878,009$39,220,233$92,471,004
74$181,958,962$57,466,655$40,433,734$99,800,958
75$200,415,237$60,178,982$41,684,726$107,794,154
76$220,750,791$63,020,952$42,974,364$116,514,687
77$243,157,207$65,998,814$44,303,840$126,033,029
78$267,845,608$69,119,122$45,674,384$136,426,682
79$295,048,646$72,388,744$47,087,262$147,780,877
80$325,022,701$75,814,886$48,543,779$160,189,364
81$358,050,302$79,405,101$50,045,281$173,755,266
82$394,442,789$83,167,307$51,593,154$188,592,031
83$434,543,258$87,109,810$53,188,829$204,824,475
84$478,729,794$91,241,315$54,833,779$222,589,928
85$527,419,046$95,570,952$56,529,524$242,039,509
86$581,070,154$100,108,294$58,277,628$263,339,514
87$640,189,088$104,863,378$60,079,706$286,672,959
88$705,333,421$109,846,730$61,937,422$312,241,272
89$777,117,594$115,069,384$63,852,491$340,266,158
90$856,218,719$120,542,914$65,826,679$370,991,658
91$943,382,965$126,279,454$67,861,810$404,686,411
92$1,039,432,607$132,291,726$69,959,760$441,646,154
93$1,145,273,787$138,593,075$72,122,466$482,196,468
94$1,261,905,067$145,197,490$74,351,923$526,695,806
95$1,390,426,859$152,119,641$76,650,187$575,538,838
96$1,532,051,808$159,374,914$79,019,378$629,160,120
97$1,688,116,247$166,979,439$81,461,682$688,038,151
98$1,860,092,807$174,950,134$83,979,350$752,699,835
99$2,049,604,319$183,304,737$86,574,705$823,725,402
100$2,258,439,140$192,061,849$89,250,138$901,753,825