Can I retire at age 52 with 15,000,000?

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 $15,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$1,238,686$1,227,652$1,216,888$1,206,381$1,196,121$1,185,110
2 years$613,211$601,790$590,722$579,991$569,581$558,487
3 years$404,746$393,277$382,236$371,606$361,366$350,532
4 years$300,535$289,100$278,170$267,721$257,729$247,240
5 years$238,024$226,658$215,871$205,635$195,922$185,808
6 years$196,364$185,083$174,456$164,448$155,026$145,300
7 years$166,618$155,433$144,974$135,202$126,078$116,744
8 years$144,319$133,234$122,949$113,418$104,594$95,652
9 years$126,984$116,005$105,896$96,607$88,083$79,530
10 years$113,125$102,252$92,323$83,276$75,051$66,882
11 years$101,793$91,029$81,280$72,475$64,546$56,755
12 years$92,356$81,703$72,133$63,570$55,935$48,513
13 years$84,377$73,836$64,446$56,123$48,776$41,716
14 years$77,544$67,114$57,905$49,820$42,757$36,049
15 years$71,628$61,310$52,281$44,430$37,646$31,281
16 years$66,456$56,251$47,400$39,783$33,272$27,239
17 years$61,897$51,805$43,132$35,744$29,501$23,790
18 years$57,849$47,870$39,374$32,213$26,231$20,831
19 years$54,232$44,366$36,045$29,107$23,380$18,279
20 years$50,980$41,227$33,081$26,362$20,884$16,071
21 years$48,042$38,401$30,428$23,925$18,689$14,152
22 years$45,375$35,846$28,044$21,754$16,752$12,481
23 years$42,943$33,526$25,894$19,811$15,037$11,020
24 years$40,717$31,412$23,947$18,069$13,516$9,741
25 years$38,672$29,478$22,180$16,502$12,162$8,619
26 years$36,788$27,705$20,571$15,088$10,955$7,632
27 years$35,046$26,074$19,102$13,811$9,877$6,763
28 years$33,432$24,569$17,757$12,654$8,912$5,997
29 years$31,931$23,178$16,525$11,604$8,048$5,321
30 years$30,534$21,889$15,392$10,649$7,272$4,724
31 years$29,228$20,693$14,350$9,780$6,574$4,195
32 years$28,007$19,579$13,389$8,989$5,947$3,727
33 years$26,863$18,542$12,501$8,266$5,382$3,313
34 years$25,788$17,574$11,680$7,605$4,873$2,945
35 years$24,776$16,668$10,920$7,001$4,413$2,619
36 years$23,823$15,821$10,216$6,448$3,999$2,330
37 years$22,924$15,026$9,562$5,941$3,624$2,073
38 years$22,074$14,280$8,954$5,476$3,286$1,845
39 years$21,270$13,579$8,389$5,049$2,980$1,642
40 years$20,507$12,919$7,863$4,657$2,703$1,461
41 years$19,784$12,298$7,373$4,297$2,452$1,301
42 years$19,097$11,712$6,916$3,965$2,225$1,158
43 years$18,444$11,159$6,490$3,660$2,019$1,032
44 years$17,822$10,637$6,092$3,380$1,833$919
45 years$17,230$10,143$5,720$3,121$1,664$818
46 years$16,665$9,676$5,372$2,883$1,511$729
47 years$16,125$9,234$5,047$2,664$1,372$649
48 years$15,610$8,815$4,743$2,461$1,246$578
49 years$15,117$8,418$4,458$2,275$1,131$515
50 years$14,645$8,041$4,191$2,103$1,028$459

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $15,000,000, adding $2,169 every year, while hoping to spend $38,578 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: 42/44/14 Blend
51$15,000,000$15,000,000$15,000,000$15,000,000
52$16,532,237$15,737,237$15,504,737$17,158,686
53$18,177,479$16,467,315$15,983,099$18,329,349
54$19,989,242$17,231,874$16,476,193$19,592,230
55$21,984,471$18,032,563$16,984,473$20,958,903
56$24,181,838$18,871,109$17,508,403$22,438,874
57$26,601,918$19,749,325$18,048,467$24,042,573
58$29,267,381$20,669,110$18,605,159$25,781,441
59$32,203,213$21,632,455$19,178,990$27,668,035
60$35,436,941$22,641,446$19,770,487$29,716,135
61$38,998,904$23,698,271$20,380,192$31,940,871
62$42,922,529$24,805,224$21,008,666$34,358,855
63$47,244,655$25,964,708$21,656,484$36,988,331
64$52,005,875$27,179,244$22,324,242$39,849,334
65$57,250,920$28,451,473$23,012,550$42,963,878
66$63,029,085$29,784,165$23,722,041$46,356,147
67$69,394,686$31,180,225$24,453,364$50,052,716
68$76,407,584$32,642,695$25,207,191$54,082,793
69$84,133,738$34,174,768$25,984,213$58,478,479
70$92,645,836$35,779,788$26,785,141$63,275,064
71$102,023,977$37,461,264$27,610,709$68,511,348
72$112,356,429$39,222,872$28,461,674$74,229,990
73$123,740,461$41,068,468$29,338,816$80,477,904
74$136,283,259$43,002,095$30,242,938$87,306,681
75$150,102,943$45,027,989$31,174,868$94,773,067
76$165,329,677$47,150,594$32,135,459$102,939,483
77$182,106,899$49,374,568$33,125,592$111,874,594
78$200,592,676$51,704,795$34,146,172$121,653,947
79$220,961,194$54,146,395$35,198,135$132,360,659
80$243,404,406$56,704,738$36,282,442$144,086,192
81$268,133,837$59,385,453$37,400,086$156,931,192
82$295,382,590$62,194,441$38,552,090$171,006,417
83$325,407,537$65,137,892$39,739,508$186,433,770
84$358,491,750$68,222,293$40,963,426$203,347,419
85$394,947,172$71,454,448$42,224,964$221,895,045
86$435,117,558$74,841,491$43,525,275$242,239,213
87$479,381,725$78,390,900$44,865,548$264,558,878
88$528,157,126$82,110,519$46,247,009$289,051,052
89$581,903,790$86,008,572$47,670,920$315,932,633
90$641,128,664$90,093,679$49,138,584$345,442,425
91$706,390,402$94,374,884$50,651,341$377,843,363
92$778,304,636$98,861,666$52,210,573$413,424,962
93$857,549,787$103,563,966$53,817,706$452,506,017
94$944,873,474$108,492,209$55,474,208$495,437,580
95$1,041,099,565$113,657,324$57,181,590$542,606,234
96$1,147,135,961$119,070,773$58,941,414$594,437,709
97$1,263,983,163$124,744,575$60,755,285$651,400,856
98$1,392,743,718$130,691,332$62,624,860$714,012,035
99$1,534,632,630$136,924,260$64,551,845$782,839,945
100$1,690,988,826$143,457,216$66,538,000$858,510,947