Can I retire at age 52 with 15,100,000?

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 $15,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$1,246,944$1,235,837$1,225,000$1,214,423$1,204,095$1,198,014
2 years$617,299$605,802$594,660$583,857$573,379$567,241
3 years$407,445$395,899$384,785$374,083$363,775$357,772
4 years$302,538$291,027$280,025$269,506$259,447$253,624
5 years$239,611$228,169$217,311$207,006$197,228$191,602
6 years$197,673$186,317$175,619$165,545$156,060$150,638
7 years$167,729$156,469$145,940$136,103$126,918$121,704
8 years$145,281$134,123$123,769$114,174$105,291$100,285
9 years$127,831$116,778$106,602$97,251$88,670$83,870
10 years$113,879$102,934$92,938$83,831$75,551$70,956
11 years$102,471$91,636$81,821$72,958$64,977$60,583
12 years$92,972$82,248$72,614$63,994$56,307$52,111
13 years$84,940$74,328$64,876$56,497$49,101$45,098
14 years$78,061$67,562$58,292$50,152$43,042$39,228
15 years$72,105$61,719$52,629$44,727$37,897$34,268
16 years$66,899$56,626$47,716$40,048$33,494$30,044
17 years$62,310$52,150$43,420$35,983$29,698$26,422
18 years$58,235$48,189$39,637$32,428$26,406$23,299
19 years$54,593$44,661$36,286$29,301$23,536$20,592
20 years$51,320$41,502$33,301$26,538$21,023$18,236
21 years$48,362$38,657$30,631$24,085$18,813$16,178
22 years$45,677$36,085$28,231$21,899$16,863$14,374
23 years$43,229$33,750$26,066$19,943$15,138$12,788
24 years$40,988$31,621$24,107$18,190$13,606$11,391
25 years$38,930$29,675$22,328$16,612$12,243$10,157
26 years$37,033$27,890$20,708$15,189$11,028$9,065
27 years$35,280$26,247$19,229$13,903$9,943$8,096
28 years$33,655$24,733$17,876$12,738$8,972$7,237
29 years$32,144$23,333$16,635$11,681$8,101$6,473
30 years$30,737$22,035$15,495$10,720$7,320$5,793
31 years$29,423$20,830$14,445$9,846$6,618$5,187
32 years$28,194$19,710$13,478$9,048$5,986$4,646
33 years$27,042$18,666$12,584$8,321$5,418$4,164
34 years$25,960$17,691$11,758$7,656$4,905$3,733
35 years$24,942$16,779$10,993$7,048$4,443$3,347
36 years$23,982$15,926$10,284$6,491$4,025$3,003
37 years$23,077$15,126$9,625$5,980$3,648$2,694
38 years$22,221$14,375$9,014$5,512$3,308$2,418
39 years$21,411$13,669$8,445$5,083$2,999$2,171
40 years$20,644$13,005$7,915$4,688$2,721$1,949
41 years$19,916$12,380$7,422$4,325$2,468$1,750
42 years$19,225$11,790$6,962$3,992$2,240$1,572
43 years$18,567$11,234$6,533$3,685$2,033$1,412
44 years$17,941$10,708$6,132$3,402$1,845$1,268
45 years$17,345$10,211$5,758$3,142$1,675$1,139
46 years$16,776$9,741$5,408$2,902$1,521$1,024
47 years$16,233$9,296$5,081$2,681$1,381$920
48 years$15,714$8,874$4,775$2,478$1,254$827
49 years$15,218$8,474$4,488$2,290$1,139$743
50 years$14,743$8,095$4,219$2,117$1,035$668

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $15,100,000, adding $6,472 every year, while hoping to spend $57,639 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: 72/22/6 Blend
51$15,100,000$15,100,000$15,100,000$15,100,000
52$16,646,876$15,846,576$15,612,526$17,832,927
53$18,283,530$16,561,731$16,074,218$19,331,051
54$20,085,191$17,309,996$16,549,445$20,962,880
55$22,068,628$18,092,934$17,038,600$22,747,810
56$24,252,321$18,912,180$17,542,085$24,700,903
57$26,656,630$19,769,450$18,060,318$26,838,737
58$29,303,992$20,666,538$18,593,724$29,179,555
59$32,219,128$21,605,328$19,142,743$31,743,434
60$35,429,282$22,587,792$19,707,828$34,552,473
61$38,964,471$23,615,996$20,289,442$37,630,996
62$42,857,774$24,692,107$20,888,065$41,005,777
63$47,145,640$25,818,393$21,504,188$44,706,291
64$51,868,234$26,997,233$22,138,317$48,764,988
65$57,069,815$28,231,119$22,790,972$53,217,593
66$62,799,155$29,522,662$23,462,688$58,103,437
67$69,109,996$30,874,600$24,154,016$63,465,830
68$76,061,561$32,289,800$24,865,521$69,352,457
69$83,719,109$33,771,270$25,597,785$75,815,828
70$92,154,555$35,322,158$26,351,407$82,913,768
71$101,447,142$36,945,767$27,127,002$90,709,952
72$111,684,198$38,645,557$27,925,204$99,274,506
73$122,961,951$40,425,154$28,746,663$108,684,661
74$135,386,442$42,288,359$29,592,048$119,025,472
75$149,074,527$44,239,155$30,462,049$130,390,619
76$164,154,974$46,281,719$31,357,373$142,883,280
77$180,769,684$48,420,427$32,278,748$156,617,101
78$199,075,028$50,659,864$33,226,922$171,717,258
79$219,243,322$53,004,839$34,202,666$188,321,630
80$241,464,456$55,460,391$35,206,770$206,582,096
81$265,947,682$58,031,802$36,240,049$226,665,956
82$292,923,594$60,724,608$37,303,339$248,757,501
83$322,646,300$63,544,613$38,397,500$273,059,744
84$355,395,824$66,497,901$39,523,417$299,796,327
85$391,480,747$69,590,846$40,682,000$329,213,617
86$431,241,120$72,830,135$41,874,184$361,583,027
87$475,051,675$76,222,773$43,100,931$397,203,561
88$523,325,362$79,776,104$44,363,228$436,404,626
89$576,517,245$83,497,829$45,662,092$479,549,129
90$635,128,800$87,396,019$46,998,568$527,036,889
91$699,712,647$91,479,133$48,373,729$579,308,397
92$770,877,769$95,756,043$49,788,682$636,848,959
93$849,295,259$100,236,046$51,244,559$700,193,264
94$935,704,652$104,928,890$52,742,530$769,930,413
95$1,030,920,915$109,844,793$54,283,792$846,709,465
96$1,135,842,129$114,994,469$55,869,580$931,245,543
97$1,251,457,977$120,389,149$57,501,161$1,024,326,571
98$1,378,859,079$126,040,606$59,179,839$1,126,820,692
99$1,519,247,294$131,961,184$60,906,953$1,239,684,439
100$1,673,947,062$138,163,826$62,683,879$1,363,971,749