Can I retire at age 52 with 16,500,000?

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 $16,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$1,362,555$1,350,418$1,338,576$1,327,019$1,315,733$1,288,641
2 years$674,532$661,969$649,794$637,990$626,540$599,368
3 years$445,221$432,604$420,460$408,766$397,502$371,099
4 years$330,588$318,010$305,987$294,493$283,502$258,070
5 years$261,826$249,324$237,459$226,199$215,514$191,125
6 years$216,000$203,592$191,902$180,893$170,529$147,210
7 years$183,280$170,976$159,471$148,722$138,686$116,442
8 years$158,751$146,558$135,244$124,759$115,053$93,878
9 years$139,683$127,605$116,486$106,267$96,891$76,770
10 years$124,437$112,478$101,555$91,603$82,556$63,468
11 years$111,972$100,132$89,407$79,722$71,001$52,923
12 years$101,592$89,873$79,347$69,927$61,528$44,433
13 years$92,815$81,219$70,891$61,735$53,654$37,513
14 years$85,299$73,826$63,696$54,802$47,032$31,815
15 years$78,790$67,441$57,509$48,873$41,411$27,083
16 years$73,101$61,876$52,140$43,761$36,599$23,128
17 years$68,087$56,986$47,446$39,319$32,451$19,802
18 years$63,634$52,657$43,312$35,434$28,854$16,992
19 years$59,655$48,802$39,650$32,018$25,718$14,608
20 years$56,078$45,349$36,389$28,998$22,972$12,579
21 years$52,846$42,241$33,470$26,318$20,558$10,846
22 years$49,912$39,431$30,848$23,929$18,427$9,363
23 years$47,237$36,879$28,483$21,793$16,541$8,091
24 years$44,789$34,553$26,342$19,876$14,867$6,997
25 years$42,540$32,426$24,398$18,152$13,378$6,056
26 years$40,467$30,475$22,628$16,597$12,051$5,245
27 years$38,551$28,681$21,012$15,192$10,865$4,544
28 years$36,775$27,026$19,533$13,919$9,804$3,940
29 years$35,124$25,496$18,177$12,764$8,852$3,417
30 years$33,587$24,078$16,932$11,714$7,999$2,964
31 years$32,151$22,762$15,785$10,759$7,232$2,572
32 years$30,808$21,537$14,727$9,887$6,541$2,233
33 years$29,549$20,396$13,751$9,092$5,920$1,939
34 years$28,367$19,331$12,848$8,366$5,360$1,684
35 years$27,254$18,335$12,012$7,701$4,855$1,462
36 years$26,206$17,403$11,237$7,092$4,399$1,270
37 years$25,216$16,529$10,518$6,535$3,987$1,104
38 years$24,281$15,708$9,849$6,023$3,614$959
39 years$23,397$14,937$9,228$5,554$3,277$833
40 years$22,558$14,211$8,649$5,123$2,973$724
41 years$21,763$13,528$8,110$4,726$2,697$630
42 years$21,007$12,883$7,608$4,362$2,447$547
43 years$20,288$12,275$7,139$4,026$2,221$476
44 years$19,604$11,701$6,701$3,718$2,016$413
45 years$18,953$11,158$6,292$3,433$1,830$359
46 years$18,331$10,644$5,910$3,171$1,662$312
47 years$17,738$10,158$5,552$2,930$1,509$272
48 years$17,171$9,697$5,217$2,707$1,370$236
49 years$16,629$9,260$4,904$2,502$1,245$205
50 years$16,110$8,846$4,610$2,313$1,130$179

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $16,500,000, adding $2,723 every year, while hoping to spend $57,790 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: 46/35/19 Blend
51$16,500,000$16,500,000$16,500,000$16,500,000
52$18,185,809$17,311,309$17,055,559$18,923,514
53$19,979,273$18,098,075$17,565,432$20,226,168
54$21,953,734$18,921,455$18,090,449$21,632,598
55$24,127,592$19,783,184$18,631,056$23,157,250
56$26,521,123$20,685,076$19,187,713$24,811,162
57$29,156,668$21,629,036$19,760,892$26,606,449
58$32,058,846$22,617,056$20,351,079$28,556,419
59$35,254,784$23,651,228$20,958,777$30,675,690
60$38,774,375$24,733,741$21,584,499$32,980,321
61$42,650,558$25,866,891$22,228,776$35,487,954
62$46,919,629$27,053,083$22,892,154$38,217,981
63$51,621,585$28,294,838$23,575,195$41,191,713
64$56,800,500$29,594,798$24,278,477$44,432,574
65$62,504,939$30,955,731$25,002,594$47,966,318
66$68,788,421$32,380,540$25,748,159$51,821,260
67$75,709,919$33,872,266$26,515,802$56,028,536
68$83,334,420$35,434,096$27,306,171$60,622,385
69$91,733,536$37,069,372$28,119,933$65,640,468
70$100,986,181$38,781,595$28,957,774$71,124,209
71$111,179,314$40,574,436$29,820,402$77,119,174
72$122,408,761$42,451,741$30,708,543$83,675,496
73$134,780,121$44,417,542$31,622,945$90,848,332
74$148,409,757$46,476,066$32,564,378$98,698,373
75$163,425,902$48,631,742$33,533,634$107,292,403
76$179,969,861$50,889,215$34,531,528$116,703,919
77$198,197,352$53,253,351$35,558,899$127,013,810
78$218,279,969$55,729,253$36,616,610$138,311,102
79$240,406,808$58,322,268$37,705,548$150,693,790
80$264,786,246$61,038,003$38,826,628$164,269,743
81$291,647,912$63,882,334$39,980,789$179,157,707
82$321,244,852$66,861,422$41,168,998$195,488,408
83$353,855,920$69,981,724$42,392,252$213,405,769
84$389,788,404$73,250,009$43,651,573$233,068,247
85$429,380,937$76,673,375$44,948,016$254,650,315
86$473,006,682$80,259,260$46,282,665$278,344,082
87$521,076,864$84,015,464$47,656,634$304,361,088
88$574,044,644$87,950,161$49,071,071$332,934,277
89$632,409,403$92,071,925$50,527,157$364,320,174
90$696,721,451$96,389,739$52,026,107$398,801,281
91$767,587,227$100,913,024$53,569,169$436,688,717
92$845,675,018$105,651,655$55,157,630$478,325,131
93$931,721,271$110,615,988$56,792,812$524,087,902
94$1,026,537,546$115,816,876$58,476,076$574,392,679
95$1,131,018,172$121,265,699$60,208,821$629,697,271
96$1,246,148,697$126,974,390$61,992,488$690,505,934
97$1,373,015,185$132,955,457$63,828,557$757,374,100
98$1,512,814,474$139,222,014$65,718,554$830,913,586
99$1,666,865,471$145,787,813$67,664,046$911,798,327
100$1,836,621,602$152,667,269$69,666,645$1,000,770,706