Can I retire at age 52 with 19,400,000?

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 $19,400,000?

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%
1 years$1,602,034$1,587,764$1,573,841$1,560,252$1,546,983$1,533,381
2 years$793,086$778,316$764,001$750,121$736,659$722,952
3 years$523,472$508,638$494,359$480,610$467,367$453,980
4 years$388,691$373,903$359,767$346,252$333,330$320,366
5 years$307,844$293,144$279,194$265,955$253,392$240,890
6 years$253,964$239,374$225,630$212,686$200,500$188,476
7 years$215,493$201,026$187,500$174,861$163,061$151,518
8 years$186,653$172,317$159,015$146,687$135,274$124,214
9 years$164,233$150,033$136,959$124,945$113,921$103,339
10 years$146,308$132,246$119,404$107,703$97,066$86,957
11 years$131,652$117,731$105,121$93,734$83,480$73,836
12 years$119,447$105,669$93,293$82,218$72,342$63,153
13 years$109,128$95,494$83,351$72,586$63,084$54,340
14 years$100,290$86,801$74,891$64,434$55,299$46,989
15 years$92,638$79,295$67,617$57,463$48,689$40,802
16 years$85,949$72,751$61,304$51,452$43,032$35,554
17 years$80,053$67,001$55,784$46,229$38,155$31,073
18 years$74,818$61,912$50,924$41,662$33,926$27,227
19 years$70,140$57,380$46,619$37,645$30,239$23,910
20 years$65,934$53,320$42,784$34,095$27,010$21,036
21 years$62,135$49,665$39,353$30,943$24,171$18,539
22 years$58,685$46,361$36,270$28,135$21,666$16,361
23 years$55,539$43,360$33,489$25,623$19,448$14,458
24 years$52,661$40,626$30,972$23,369$17,481$12,789
25 years$50,016$38,125$28,686$21,342$15,730$11,325
26 years$47,579$35,832$26,605$19,514$14,169$10,036
27 years$45,326$33,722$24,705$17,862$12,774$8,901
28 years$43,238$31,776$22,966$16,365$11,527$7,899
29 years$41,298$29,977$21,372$15,007$10,408$7,014
30 years$39,490$28,310$19,907$13,773$9,404$6,232
31 years$37,802$26,762$18,559$12,649$8,503$5,539
32 years$36,223$25,323$17,316$11,625$7,691$4,925
33 years$34,743$23,981$16,168$10,690$6,961$4,381
34 years$33,352$22,728$15,106$9,836$6,302$3,898
35 years$32,044$21,558$14,123$9,055$5,708$3,470
36 years$30,812$20,461$13,212$8,339$5,172$3,089
37 years$29,648$19,434$12,366$7,683$4,687$2,751
38 years$28,549$18,469$11,581$7,082$4,249$2,450
39 years$27,509$17,562$10,850$6,530$3,854$2,182
40 years$26,523$16,709$10,169$6,023$3,495$1,944
41 years$25,587$15,905$9,536$5,557$3,171$1,732
42 years$24,699$15,148$8,945$5,128$2,877$1,544
43 years$23,854$14,433$8,393$4,734$2,611$1,376
44 years$23,050$13,757$7,879$4,371$2,370$1,226
45 years$22,284$13,119$7,398$4,037$2,152$1,093
46 years$21,553$12,515$6,948$3,729$1,954$975
47 years$20,855$11,943$6,528$3,445$1,774$869
48 years$20,189$11,401$6,134$3,183$1,611$775
49 years$19,551$10,887$5,766$2,942$1,463$691
50 years$18,941$10,400$5,421$2,719$1,329$616

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $19,400,000, adding $5,819 every year, while hoping to spend $39,770 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: 73/8/19 Blend
51$19,400,000$19,400,000$19,400,000$19,400,000
52$21,384,802$20,356,602$20,055,902$22,849,313
53$23,523,737$21,311,761$20,685,460$24,777,875
54$25,879,510$22,312,389$21,334,775$26,884,589
55$28,474,198$23,360,673$22,004,467$29,191,503
56$31,332,125$24,458,905$22,695,176$31,718,506
57$34,480,098$25,609,488$23,407,560$34,487,493
58$37,947,655$26,814,940$24,142,301$37,522,570
59$41,767,346$28,077,903$24,900,098$40,850,284
60$45,975,041$29,401,145$25,681,677$44,499,863
61$50,610,264$30,787,570$26,487,782$48,503,495
62$55,716,571$32,240,222$27,319,183$52,896,624
63$61,341,960$33,762,291$28,176,675$57,718,287
64$67,539,321$35,357,124$29,061,074$63,011,474
65$74,366,938$37,028,230$29,973,226$68,823,531
66$81,889,038$38,779,285$30,914,002$75,206,608
67$90,176,397$40,614,147$31,884,298$82,218,140
68$99,307,009$42,536,860$32,885,042$89,921,391
69$109,366,822$44,551,664$33,917,188$98,386,048
70$120,450,545$46,663,003$34,981,722$107,688,866
71$132,662,551$48,875,540$36,079,659$117,914,400
72$146,117,851$51,194,162$37,212,048$129,155,789
73$160,943,189$53,623,993$38,379,969$141,515,634
74$177,278,233$56,170,408$39,584,537$155,106,964
75$195,276,896$58,839,040$40,826,901$170,054,293
76$215,108,784$61,635,798$42,108,247$186,494,793
77$236,960,805$64,566,877$43,429,799$204,579,583
78$261,038,926$67,638,774$44,792,816$224,475,148
79$287,570,122$70,858,298$46,198,600$246,364,909
80$316,804,514$74,232,595$47,648,493$270,450,940
81$349,017,734$77,769,152$49,143,878$296,955,877
82$384,513,527$81,475,824$50,686,181$326,125,010
83$423,626,614$85,360,846$52,276,875$358,228,589
84$466,725,856$89,432,855$53,917,478$393,564,372
85$514,217,734$93,700,906$55,609,555$432,460,423
86$566,550,188$98,174,496$57,354,720$475,278,207
87$624,216,843$102,863,582$59,154,639$522,415,988
88$687,761,671$107,778,607$61,011,029$574,312,583
89$757,784,125$112,930,522$62,925,662$631,451,496
90$834,944,797$118,330,810$64,900,364$694,365,470
91$919,971,660$123,991,512$66,937,019$763,641,510
92$1,013,666,931$129,925,258$69,037,570$839,926,409
93$1,116,914,651$136,145,289$71,204,023$923,932,850
94$1,230,689,030$142,665,493$73,438,442$1,016,446,115
95$1,356,063,643$149,500,434$75,742,961$1,118,331,493
96$1,494,221,562$156,665,383$78,119,778$1,230,542,434
97$1,646,466,531$164,176,356$80,571,160$1,354,129,537
98$1,814,235,269$172,050,149$83,099,446$1,490,250,454
99$1,999,111,037$180,304,377$85,707,048$1,640,180,807
100$2,202,838,582$188,957,511$88,396,453$1,805,326,214