Can I retire at age 52 with 15,800,000?

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 $15,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$1,304,749$1,293,127$1,281,788$1,270,721$1,259,914$1,249,358
2 years$645,915$633,886$622,227$610,924$599,959$589,320
3 years$426,333$414,251$402,622$391,425$380,639$370,246
4 years$316,563$304,519$293,006$281,999$271,475$261,409
5 years$250,719$238,746$227,385$216,603$206,371$196,661
6 years$206,836$194,954$183,761$173,219$163,294$153,953
7 years$175,504$163,722$152,706$142,413$132,802$123,834
8 years$152,016$140,340$129,507$119,467$110,172$101,576
9 years$133,757$122,191$111,544$101,759$92,781$84,555
10 years$119,158$107,706$97,247$87,717$79,054$71,194
11 years$107,222$95,884$85,614$76,340$67,989$60,488
12 years$97,282$86,060$75,981$66,961$58,918$51,769
13 years$88,877$77,773$67,884$59,116$51,377$44,574
14 years$81,680$70,694$60,994$52,477$45,037$38,569
15 years$75,448$64,580$55,069$46,800$39,654$33,513
16 years$70,000$59,251$49,928$41,904$35,047$29,222
17 years$65,198$54,568$45,433$37,651$31,075$25,558
18 years$60,935$50,423$41,474$33,931$27,630$22,410
19 years$57,124$46,732$37,968$30,659$24,627$19,694
20 years$53,699$43,425$34,845$27,768$21,998$17,340
21 years$50,604$40,449$32,051$25,201$19,685$15,292
22 years$47,795$37,758$29,540$22,914$17,645$13,506
23 years$45,233$35,314$27,275$20,868$15,839$11,944
24 years$42,889$33,087$25,224$19,033$14,237$10,574
25 years$40,735$31,051$23,363$17,382$12,811$9,370
26 years$38,750$29,182$21,668$15,893$11,540$8,311
27 years$36,915$27,464$20,120$14,547$10,404$7,376
28 years$35,215$25,879$18,705$13,328$9,388$6,551
29 years$33,634$24,414$17,406$12,222$8,477$5,822
30 years$32,162$23,057$16,213$11,217$7,659$5,177
31 years$30,787$21,796$15,115$10,302$6,925$4,605
32 years$29,501$20,624$14,103$9,468$6,264$4,098
33 years$28,295$19,531$13,168$8,707$5,669$3,649
34 years$27,163$18,511$12,303$8,011$5,133$3,249
35 years$26,098$17,557$11,503$7,374$4,649$2,894
36 years$25,094$16,664$10,760$6,792$4,212$2,579
37 years$24,147$15,827$10,072$6,258$3,817$2,298
38 years$23,251$15,042$9,432$5,768$3,461$2,049
39 years$22,404$14,303$8,836$5,318$3,138$1,827
40 years$21,601$13,608$8,282$4,905$2,847$1,629
41 years$20,839$12,954$7,766$4,526$2,583$1,453
42 years$20,116$12,337$7,285$4,177$2,343$1,296
43 years$19,428$11,754$6,836$3,856$2,127$1,156
44 years$18,773$11,204$6,417$3,560$1,930$1,031
45 years$18,149$10,684$6,025$3,288$1,753$920
46 years$17,553$10,192$5,659$3,037$1,591$821
47 years$16,985$9,727$5,316$2,806$1,445$732
48 years$16,442$9,285$4,996$2,593$1,312$654
49 years$15,923$8,867$4,696$2,396$1,192$583
50 years$15,426$8,470$4,415$2,215$1,082$521

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $15,800,000, adding $3,663 every year, while hoping to spend $39,664 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: 58/34/8 Blend
51$15,800,000$15,800,000$15,800,000$15,800,000
52$17,415,378$16,577,978$16,333,078$18,394,037
53$19,149,545$17,348,097$16,838,034$19,822,477
54$21,059,267$18,154,622$17,358,577$21,373,893
55$23,162,409$18,999,296$17,895,186$23,063,873
56$25,478,658$19,883,944$18,448,358$24,905,693
57$28,029,705$20,810,481$19,018,602$26,913,941
58$30,839,453$21,780,914$19,606,444$29,104,655
59$33,934,244$22,797,345$20,212,426$31,495,466
60$37,343,102$23,861,980$20,837,107$34,105,759
61$41,098,012$24,977,131$21,481,064$36,956,849
62$45,234,219$26,145,220$22,144,890$40,072,176
63$49,790,562$27,368,788$22,829,196$43,477,523
64$54,809,839$28,650,498$23,534,613$47,201,245
65$60,339,212$29,993,142$24,261,793$51,274,536
66$66,430,653$31,399,647$25,011,404$55,731,715
67$73,141,431$32,873,082$25,784,137$60,610,537
68$80,534,656$34,416,662$26,580,705$65,952,545
69$88,679,873$36,033,761$27,401,841$71,803,455
70$97,653,719$37,727,914$28,248,302$78,213,572
71$107,540,646$39,502,829$29,120,867$85,238,261
72$118,433,715$41,362,391$30,020,340$92,938,457
73$130,435,481$43,310,675$30,947,548$101,381,231
74$143,658,955$45,351,954$31,903,346$110,640,408
75$158,228,674$47,490,705$32,888,614$120,797,259
76$174,281,874$49,731,625$33,904,258$131,941,249
77$191,969,788$52,079,637$34,951,213$144,170,873
78$211,459,070$54,539,903$36,030,443$157,594,572
79$232,933,373$57,117,836$37,142,940$172,331,740
80$256,595,077$59,819,110$38,289,728$188,513,842
81$282,667,204$62,649,675$39,471,863$206,285,632
82$311,395,520$65,615,770$40,690,431$225,806,509
83$343,050,856$68,723,936$41,946,554$247,252,005
84$377,931,665$71,981,031$43,241,386$270,815,420
85$416,366,841$75,394,247$44,576,118$296,709,633
86$458,718,818$78,971,124$45,951,977$325,169,089
87$505,386,997$82,719,569$47,370,228$356,451,994
88$556,811,514$86,647,871$48,832,174$390,842,730
89$613,477,396$90,764,725$50,339,159$428,654,519
90$675,919,138$95,079,244$51,892,569$470,232,353
91$744,725,749$99,600,986$53,493,829$515,956,233
92$820,546,315$104,339,974$55,144,412$566,244,723
93$904,096,123$109,306,716$56,845,833$621,558,879
94$996,163,415$114,512,232$58,599,656$682,406,576
95$1,097,616,829$119,968,078$60,407,490$749,347,266
96$1,209,413,601$125,686,369$62,270,997$822,997,235
97$1,332,608,599$131,679,812$64,191,886$904,035,387
98$1,468,364,284$137,961,731$66,171,922$993,209,617
99$1,617,961,681$144,546,096$68,212,922$1,091,343,840
100$1,782,812,476$151,447,558$70,316,758$1,199,345,730