Can I retire at age 52 with 16,600,000?

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 $16,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$1,370,812$1,358,602$1,346,689$1,335,061$1,323,707$1,309,339
2 years$678,620$665,981$653,733$641,856$630,337$615,870
3 years$447,919$435,226$423,008$411,244$399,912$385,795
4 years$332,592$319,937$307,842$296,278$285,220$271,562
5 years$263,413$250,835$238,898$227,570$216,820$203,661
6 years$217,309$204,825$193,065$181,989$171,562$158,918
7 years$184,391$172,012$160,438$149,624$139,526$127,402
8 years$159,713$147,446$136,064$125,515$115,750$104,146
9 years$140,529$128,378$117,192$106,911$97,479$86,390
10 years$125,192$113,159$102,171$92,159$83,057$72,476
11 years$112,651$100,739$89,949$80,206$71,431$61,350
12 years$102,207$90,418$79,828$70,351$61,901$52,308
13 years$93,377$81,711$71,321$62,109$53,979$44,863
14 years$85,816$74,273$64,082$55,134$47,318$38,666
15 years$79,268$67,850$57,857$49,170$41,662$33,462
16 years$73,544$62,251$52,456$44,026$36,821$29,058
17 years$68,499$57,331$47,733$39,557$32,648$25,308
18 years$64,020$52,976$43,574$35,649$29,029$22,096
19 years$60,017$49,098$39,890$32,212$25,874$19,334
20 years$56,418$45,624$36,609$29,174$23,111$16,948
21 years$53,167$42,497$33,673$26,477$20,682$14,881
22 years$50,215$39,670$31,035$24,074$18,539$13,083
23 years$47,523$37,102$28,656$21,925$16,641$11,517
24 years$45,060$34,762$26,501$19,996$14,958$10,149
25 years$42,797$32,623$24,546$18,262$13,460$8,952
26 years$40,712$30,660$22,765$16,698$12,124$7,902
27 years$38,785$28,855$21,139$15,284$10,931$6,980
28 years$36,998$27,190$19,652$14,003$9,863$6,170
29 years$35,337$25,650$18,288$12,841$8,906$5,457
30 years$33,790$24,224$17,034$11,785$8,047$4,828
31 years$32,346$22,900$15,880$10,824$7,275$4,274
32 years$30,995$21,668$14,817$9,947$6,581$3,785
33 years$29,728$20,520$13,834$9,147$5,956$3,353
34 years$28,538$19,448$12,926$8,416$5,392$2,971
35 years$27,419$18,446$12,085$7,748$4,884$2,633
36 years$26,365$17,508$11,305$7,135$4,425$2,334
37 years$25,369$16,629$10,582$6,574$4,011$2,070
38 years$24,429$15,803$9,909$6,060$3,636$1,836
39 years$23,538$15,027$9,284$5,587$3,297$1,628
40 years$22,695$14,297$8,702$5,154$2,991$1,444
41 years$21,894$13,610$8,159$4,755$2,713$1,281
42 years$21,134$12,961$7,654$4,388$2,462$1,137
43 years$20,411$12,350$7,182$4,051$2,234$1,009
44 years$19,723$11,772$6,742$3,740$2,028$896
45 years$19,067$11,225$6,330$3,454$1,841$795
46 years$18,442$10,709$5,945$3,191$1,672$706
47 years$17,845$10,219$5,586$2,948$1,518$626
48 years$17,275$9,756$5,249$2,724$1,379$556
49 years$16,729$9,316$4,934$2,517$1,252$494
50 years$16,207$8,899$4,638$2,327$1,137$438

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $16,600,000, adding $2,060 every year, while hoping to spend $37,897 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: 43/27/30 Blend
51$16,600,000$16,600,000$16,600,000$16,600,000
52$18,295,325$17,415,525$17,158,225$18,921,787
53$20,121,126$18,228,563$17,692,703$20,185,803
54$22,131,888$19,080,171$18,243,817$21,550,781
55$24,346,439$19,972,197$18,812,082$23,029,095
56$26,785,522$20,906,581$19,398,033$24,631,289
57$29,471,997$21,885,355$20,002,219$26,368,943
58$32,431,055$22,910,652$20,625,208$28,254,771
59$35,690,454$23,984,705$21,267,583$30,302,741
60$39,280,781$25,109,857$21,929,949$32,528,200
61$43,235,744$26,288,563$22,612,925$34,948,006
62$47,592,485$27,523,397$23,317,153$37,580,689
63$52,391,934$28,817,060$24,043,294$40,446,613
64$57,679,196$30,172,380$24,792,028$43,568,163
65$63,503,971$31,592,324$25,564,059$46,969,950
66$69,921,031$33,080,003$26,360,109$50,679,032
67$76,990,730$34,638,677$27,180,927$54,725,165
68$84,779,577$36,271,765$28,027,281$59,141,072
69$93,360,865$37,982,852$28,899,965$63,962,743
70$102,815,357$39,775,696$29,799,799$69,229,770
71$113,232,056$41,654,237$30,727,624$74,985,703
72$124,709,039$43,622,608$31,684,312$81,278,458
73$137,354,384$45,685,139$32,670,760$88,160,753
74$151,287,192$47,846,372$33,687,892$95,690,600
75$166,638,711$50,111,069$34,736,661$103,931,835
76$183,553,571$52,484,223$35,818,051$112,954,714
77$202,191,156$54,971,070$36,933,076$122,836,556
78$222,727,100$57,577,099$38,082,781$133,662,470
79$245,354,953$60,308,066$39,268,242$145,526,133
80$270,288,001$63,170,004$40,490,572$158,530,669
81$297,761,287$66,169,244$41,750,915$172,789,601
82$328,033,820$69,312,419$43,050,453$188,427,910
83$361,391,030$72,606,488$44,390,404$205,583,198
84$398,147,455$76,058,745$45,772,022$224,406,967
85$438,649,713$79,676,841$47,196,602$245,066,035
86$483,279,774$83,468,798$48,665,479$267,744,087
87$532,458,568$87,443,025$50,180,029$292,643,394
88$586,649,952$91,608,344$51,741,670$319,986,698
89$646,365,097$95,974,002$53,351,866$350,019,296
90$712,167,307$100,549,699$55,012,124$383,011,329
91$784,677,342$105,345,603$56,723,999$419,260,313
92$864,579,272$110,372,379$58,489,094$459,093,921
93$952,626,942$115,641,209$60,309,063$502,873,048
94$1,049,651,082$121,163,821$62,185,609$550,995,194
95$1,156,567,155$126,952,511$64,120,489$603,898,189
96$1,274,383,995$133,020,174$66,115,516$662,064,292
97$1,404,213,332$139,380,332$68,172,555$726,024,719
98$1,547,280,290$146,047,167$70,293,534$796,364,618
99$1,704,934,950$153,035,548$72,480,438$873,728,568
100$1,878,665,095$160,361,070$74,735,313$958,826,622