Can I retire at age 52 with 15,900,000?

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 $15,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.2%
1 years$1,313,007$1,301,312$1,289,901$1,278,763$1,267,888$1,251,008
2 years$650,004$637,898$626,165$614,790$603,756$586,777
3 years$429,031$416,873$405,171$393,902$383,048$366,496
4 years$318,567$306,446$294,860$283,784$273,193$257,198
5 years$252,305$240,257$228,824$217,973$207,677$192,284
6 years$208,146$196,188$184,924$174,315$164,328$149,555
7 years$176,615$164,759$153,672$143,314$133,642$119,496
8 years$152,978$141,229$130,326$120,223$110,869$97,348
9 years$134,604$122,965$112,250$102,403$93,368$80,465
10 years$119,912$108,387$97,862$88,272$79,554$67,260
11 years$107,900$96,491$86,156$76,823$68,419$56,723
12 years$97,897$86,605$76,461$67,384$59,291$48,179
13 years$89,440$78,266$68,313$59,490$51,703$41,161
14 years$82,197$71,141$61,380$52,809$45,322$35,334
15 years$75,925$64,989$55,418$47,096$39,905$30,454
16 years$70,443$59,626$50,244$42,170$35,268$26,336
17 years$65,611$54,913$45,720$37,889$31,271$22,841
18 years$61,320$50,742$41,737$34,146$27,805$19,857
19 years$57,486$47,028$38,208$30,854$24,783$17,299
20 years$54,039$43,700$35,065$27,944$22,137$15,097
21 years$50,925$40,705$32,253$25,361$19,810$13,196
22 years$48,097$37,997$29,726$23,059$17,757$11,550
23 years$45,519$35,538$27,447$21,000$15,940$10,120
24 years$43,160$33,296$25,384$19,153$14,327$8,877
25 years$40,993$31,247$23,511$17,492$12,892$7,793
26 years$38,995$29,367$21,805$15,994$11,613$6,847
27 years$37,149$27,638$20,248$14,639$10,470$6,019
28 years$35,438$26,043$18,823$13,413$9,447$5,295
29 years$33,847$24,569$17,516$12,300$8,530$4,660
30 years$32,366$23,203$16,316$11,288$7,708$4,103
31 years$30,982$21,934$15,211$10,367$6,969$3,614
32 years$29,688$20,754$14,192$9,528$6,304$3,185
33 years$28,475$19,654$13,251$8,762$5,705$2,807
34 years$27,335$18,628$12,381$8,061$5,165$2,475
35 years$26,263$17,668$11,575$7,421$4,678$2,182
36 years$25,253$16,770$10,829$6,835$4,239$1,925
37 years$24,300$15,927$10,135$6,297$3,842$1,698
38 years$23,399$15,137$9,491$5,804$3,483$1,498
39 years$22,546$14,394$8,892$5,352$3,158$1,322
40 years$21,738$13,694$8,335$4,936$2,865$1,167
41 years$20,971$13,036$7,815$4,554$2,599$1,030
42 years$20,243$12,415$7,331$4,203$2,358$909
43 years$19,551$11,829$6,879$3,880$2,140$803
44 years$18,891$11,275$6,457$3,582$1,943$709
45 years$18,263$10,752$6,063$3,309$1,764$626
46 years$17,664$10,257$5,695$3,056$1,601$553
47 years$17,093$9,788$5,350$2,823$1,454$488
48 years$16,546$9,344$5,028$2,609$1,320$431
49 years$16,024$8,923$4,726$2,411$1,199$381
50 years$15,524$8,524$4,443$2,229$1,089$336

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $15,900,000, adding $6,304 every year, while hoping to spend $40,748 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: 72/7/21 Blend
51$15,900,000$15,900,000$15,900,000$15,900,000
52$17,528,303$16,685,603$16,439,153$18,700,206
53$19,272,834$17,459,842$16,946,509$20,255,537
54$21,193,942$18,270,653$17,469,495$21,952,979
55$23,309,594$19,119,785$18,008,594$23,811,095
56$25,639,589$20,009,071$18,564,298$25,845,837
57$28,205,745$20,940,433$19,137,120$28,074,766
58$31,032,103$21,915,887$19,727,586$30,517,220
59$34,145,155$22,937,542$20,336,237$33,194,493
60$37,574,093$24,007,614$20,963,633$36,130,030
61$41,351,086$25,128,422$21,610,350$39,349,650
62$45,511,582$26,302,400$22,276,982$42,881,789
63$50,094,643$27,532,097$22,964,141$46,757,758
64$55,143,314$28,820,188$23,672,457$51,012,046
65$60,705,028$30,169,473$24,402,581$55,682,634
66$66,832,056$31,582,892$25,155,182$60,811,357
67$73,581,997$33,063,525$25,930,952$66,444,294
68$81,018,323$34,614,601$26,730,601$72,632,197
69$89,210,980$36,239,504$27,554,864$79,430,972
70$98,237,045$37,941,785$28,404,497$86,902,200
71$108,181,455$39,725,163$29,280,279$95,113,715
72$119,137,808$41,593,541$30,183,013$104,140,244
73$131,209,247$43,551,007$31,113,526$114,064,103
74$144,509,433$45,601,849$32,072,672$124,975,978
75$159,163,619$47,750,563$33,061,331$136,975,768
76$175,309,829$50,001,863$34,080,407$150,173,533
77$193,100,166$52,360,688$35,130,835$164,690,520
78$212,702,243$54,832,222$36,213,578$180,660,310
79$234,300,766$57,421,895$37,329,627$198,230,073
80$258,099,280$60,135,403$38,480,005$217,561,947
81$284,322,087$62,978,718$39,665,765$238,834,572
82$313,216,365$65,958,101$40,887,994$262,244,764
83$345,054,503$69,080,117$42,147,810$288,009,372
84$380,136,668$72,351,648$43,446,368$316,367,316
85$418,793,642$75,779,913$44,784,855$347,581,841
86$461,389,943$79,372,478$46,164,497$381,942,992
87$508,327,266$83,137,278$47,586,557$419,770,347
88$560,048,276$87,082,634$49,052,335$461,416,026
89$617,040,785$91,217,268$50,563,173$507,268,013
90$679,842,359$95,550,328$52,120,453$557,753,805
91$749,045,391$100,091,405$53,725,600$613,344,444
92$825,302,694$104,850,558$55,380,081$674,558,956
93$909,333,665$109,838,331$57,085,410$741,969,241
94$1,001,931,073$115,065,783$58,843,145$816,205,466
95$1,103,968,545$120,544,509$60,654,893$897,962,003
96$1,216,408,815$126,286,669$62,522,311$988,003,974
97$1,340,312,811$132,305,012$64,447,105$1,087,174,470
98$1,476,849,668$138,612,908$66,431,033$1,196,402,494
99$1,627,307,771$145,224,378$68,475,910$1,316,711,723
100$1,793,106,913$152,154,121$70,583,602$1,449,230,166