Can I retire at age 52 with 15,700,000?

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 $15,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$1,296,491$1,284,943$1,273,676$1,262,678$1,251,940$1,219,695
2 years$641,827$629,874$618,289$607,057$596,162$563,891
3 years$423,635$411,630$400,074$388,947$378,230$346,941
4 years$314,560$302,591$291,151$280,215$269,757$239,691
5 years$249,132$237,235$225,945$215,232$205,065$176,306
6 years$205,527$193,720$182,598$172,122$162,261$134,837
7 years$174,394$162,686$151,739$141,511$131,961$105,875
8 years$151,054$139,452$128,687$118,710$109,475$84,713
9 years$132,910$121,418$110,838$101,115$92,194$68,735
10 years$118,404$107,024$96,631$87,162$78,553$56,370
11 years$106,543$95,277$85,073$75,857$67,559$46,617
12 years$96,666$85,516$75,500$66,537$58,545$38,808
13 years$88,315$77,281$67,454$58,742$51,052$32,480
14 years$81,163$70,247$60,608$52,145$44,752$27,303
15 years$74,970$64,171$54,721$46,504$39,403$23,033
16 years$69,557$58,876$49,612$41,639$34,825$19,488
17 years$64,785$54,223$45,145$37,412$30,878$16,530
18 years$60,549$50,104$41,212$33,716$27,455$14,049
19 years$56,763$46,436$37,727$30,465$24,472$11,962
20 years$53,359$43,151$34,624$27,592$21,858$10,199
21 years$50,284$40,193$31,848$25,042$19,561$8,707
22 years$47,492$37,519$29,353$22,769$17,533$7,441
23 years$44,947$35,091$27,102$20,736$15,739$6,365
24 years$42,617$32,878$25,065$18,912$14,147$5,448
25 years$40,477$30,854$23,215$17,272$12,730$4,667
26 years$38,505$28,998$21,531$15,792$11,467$4,000
27 years$36,682$27,290$19,993$14,455$10,338$3,429
28 years$34,992$25,716$18,586$13,244$9,328$2,942
29 years$33,421$24,260$17,296$12,145$8,423$2,524
30 years$31,958$22,911$16,111$11,146$7,611$2,166
31 years$30,592$21,658$15,019$10,237$6,881$1,860
32 years$29,314$20,493$14,013$9,408$6,224$1,597
33 years$28,116$19,407$13,084$8,651$5,633$1,372
34 years$26,991$18,394$12,225$7,960$5,100$1,178
35 years$25,933$17,446$11,430$7,328$4,619$1,012
36 years$24,935$16,559$10,692$6,749$4,185$870
37 years$23,994$15,727$10,008$6,218$3,793$748
38 years$23,104$14,946$9,372$5,731$3,439$642
39 years$22,262$14,213$8,780$5,284$3,119$552
40 years$21,464$13,522$8,230$4,874$2,829$475
41 years$20,707$12,872$7,717$4,497$2,566$408
42 years$19,988$12,259$7,239$4,150$2,329$351
43 years$19,305$11,680$6,793$3,831$2,113$301
44 years$18,654$11,133$6,376$3,537$1,918$259
45 years$18,034$10,617$5,987$3,267$1,741$223
46 years$17,442$10,128$5,623$3,018$1,581$192
47 years$16,878$9,665$5,283$2,788$1,436$165
48 years$16,338$9,227$4,964$2,576$1,304$142
49 years$15,822$8,811$4,666$2,381$1,184$122
50 years$15,329$8,417$4,387$2,201$1,076$105

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $15,700,000, adding $5,989 every year, while hoping to spend $57,549 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: 30/40/30 Blend
51$15,700,000$15,700,000$15,700,000$15,700,000
52$17,307,578$16,475,478$16,232,128$17,667,395
53$19,011,719$17,221,544$16,714,672$18,697,508
54$20,887,754$18,002,240$17,211,453$19,799,448
55$22,953,155$18,819,199$17,722,887$20,983,755
56$25,227,174$19,674,138$18,249,401$22,257,648
57$27,731,027$20,568,851$18,791,437$23,629,029
58$30,488,089$21,505,222$19,349,448$25,106,558
59$33,524,119$22,485,223$19,923,899$26,699,722
60$36,867,501$23,510,921$20,515,271$28,418,922
61$40,549,511$24,584,481$21,124,058$30,275,559
62$44,604,614$25,708,174$21,750,767$32,282,138
63$49,070,788$26,884,378$22,395,922$34,452,374
64$53,989,882$28,115,586$23,060,058$36,801,315
65$59,408,010$29,404,410$23,743,730$39,345,475
66$65,375,989$30,753,588$24,447,507$42,102,978
67$71,949,815$32,165,989$25,171,974$45,093,724
68$79,191,194$33,644,620$25,917,733$48,339,559
69$87,168,122$35,192,633$26,685,403$51,864,479
70$95,955,529$36,813,330$27,475,623$55,694,839
71$105,635,984$38,510,174$28,289,047$59,859,591
72$116,300,474$40,286,792$29,126,349$64,390,550
73$128,049,265$42,146,988$29,988,225$69,322,672
74$140,992,846$44,094,746$30,875,386$74,694,380
75$155,252,973$46,134,245$31,788,569$80,547,907
76$170,963,817$48,269,864$32,728,526$86,929,681
77$188,273,230$50,506,192$33,696,036$93,890,750
78$207,344,144$52,848,040$34,691,898$101,487,245
79$228,356,103$55,300,450$35,716,933$109,780,894
80$251,506,962$57,868,708$36,771,986$118,839,589
81$277,014,752$60,558,355$37,857,928$128,738,005
82$305,119,740$63,375,198$38,975,652$139,558,288
83$336,086,696$66,325,324$40,126,078$151,390,813
84$370,207,391$69,415,117$41,310,154$164,335,009
85$407,803,351$72,651,265$42,528,851$178,500,282
86$449,228,897$76,040,780$43,783,171$194,007,023
87$494,874,480$79,591,014$45,074,143$210,987,720
88$545,170,376$83,309,673$46,402,826$229,588,185
89$600,590,743$87,204,836$47,770,309$249,968,900
90$661,658,096$91,284,970$49,177,712$272,306,512
91$728,948,243$95,558,955$50,626,186$296,795,464
92$803,095,717$100,036,097$52,116,917$323,649,807
93$884,799,768$104,726,154$53,651,121$353,105,183
94$974,830,964$109,639,354$55,230,053$385,421,025
95$1,074,038,462$114,786,422$56,855,000$420,882,963
96$1,183,358,030$120,178,602$58,527,287$459,805,490
97$1,303,820,874$125,827,678$60,248,276$502,534,893
98$1,436,563,378$131,746,010$62,019,369$549,452,479
99$1,582,837,831$137,946,552$63,842,005$600,978,138
100$1,744,024,244$144,442,888$65,717,667$657,574,262