Can I retire at age 52 with 19,600,000?

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 $19,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$1,618,550$1,604,132$1,590,067$1,576,337$1,562,932$1,553,733
2 years$801,262$786,339$771,877$757,855$744,253$734,973
3 years$528,869$513,882$499,455$485,565$472,185$463,110
4 years$392,699$377,757$363,476$349,822$336,766$327,967
5 years$311,018$296,166$282,072$268,697$256,004$247,507
6 years$256,582$241,842$227,956$214,879$202,567$194,382
7 years$217,714$203,099$189,433$176,664$164,742$156,873
8 years$188,577$174,093$160,654$148,199$136,669$129,117
9 years$165,926$151,579$138,371$126,233$115,095$107,858
10 years$147,817$133,610$120,635$108,814$98,067$91,141
11 years$133,009$118,945$106,205$94,701$84,341$77,722
12 years$120,678$106,759$94,254$83,065$73,088$66,770
13 years$110,253$96,479$84,210$73,334$63,734$57,711
14 years$101,324$87,696$75,663$65,098$55,869$50,134
15 years$93,593$80,112$68,314$58,056$49,191$43,736
16 years$86,835$73,501$61,936$51,983$43,475$38,293
17 years$80,879$67,692$56,360$46,706$38,548$33,630
18 years$75,590$62,550$51,449$42,092$34,275$29,613
19 years$70,863$57,971$47,099$38,033$30,550$26,136
20 years$66,614$53,870$43,225$34,446$27,288$23,112
21 years$62,775$50,177$39,759$31,262$24,420$20,474
22 years$59,290$46,839$36,644$28,425$21,889$18,164
23 years$56,112$43,807$33,834$25,887$19,649$16,136
24 years$53,204$41,045$31,291$23,610$17,661$14,351
25 years$50,532$38,518$28,982$21,562$15,892$12,776
26 years$48,070$36,201$26,879$19,715$14,315$11,385
27 years$45,794$34,069$24,960$18,046$12,906$10,153
28 years$43,684$32,103$23,203$16,534$11,645$9,061
29 years$41,724$30,286$21,592$15,162$10,516$8,091
30 years$39,897$28,602$20,113$13,915$9,501$7,229
31 years$38,192$27,038$18,750$12,780$8,590$6,463
32 years$36,596$25,584$17,494$11,745$7,770$5,780
33 years$35,101$24,228$16,335$10,800$7,032$5,171
34 years$33,696$22,963$15,262$9,937$6,367$4,628
35 years$32,375$21,780$14,269$9,148$5,767$4,143
36 years$31,129$20,672$13,348$8,425$5,225$3,710
37 years$29,954$19,634$12,494$7,763$4,736$3,324
38 years$28,843$18,659$11,700$7,155$4,293$2,978
39 years$27,792$17,743$10,962$6,597$3,893$2,668
40 years$26,796$16,881$10,274$6,085$3,531$2,392
41 years$25,851$16,069$9,634$5,614$3,204$2,144
42 years$24,954$15,304$9,037$5,181$2,907$1,922
43 years$24,100$14,581$8,480$4,783$2,638$1,724
44 years$23,288$13,899$7,960$4,416$2,395$1,546
45 years$22,513$13,254$7,474$4,078$2,174$1,386
46 years$21,775$12,644$7,020$3,767$1,974$1,243
47 years$21,070$12,066$6,595$3,481$1,792$1,115
48 years$20,397$11,519$6,198$3,216$1,628$1,001
49 years$19,753$11,000$5,825$2,972$1,478$898
50 years$19,136$10,507$5,477$2,747$1,343$805

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $19,600,000, adding $3,313 every year, while hoping to spend $22,901 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: 52/20/28 Blend
51$19,600,000$19,600,000$19,600,000$19,600,000
52$21,602,617$20,563,817$20,260,017$22,556,050
53$23,781,718$21,547,078$20,914,361$24,202,410
54$26,182,319$22,577,751$21,589,859$25,989,817
55$28,826,990$23,658,135$22,287,193$27,933,835
56$31,740,600$24,790,641$23,007,072$30,049,428
57$34,950,557$25,977,798$23,750,224$32,353,041
58$38,487,060$27,222,256$24,517,402$34,862,755
59$42,383,390$28,526,796$25,309,385$37,598,449
60$46,676,221$29,894,335$26,126,975$40,581,984
61$51,405,968$31,327,929$26,971,001$43,837,399
62$56,617,164$32,830,786$27,842,317$47,391,135
63$62,358,889$34,406,268$28,741,809$51,272,277
64$68,685,222$36,057,902$29,670,386$55,512,819
65$75,655,762$37,789,386$30,628,991$60,147,962
66$83,336,183$39,604,600$31,618,596$65,216,434
67$91,798,859$41,507,610$32,640,204$70,760,853
68$101,123,542$43,502,683$33,694,851$76,828,116
69$111,398,122$45,594,292$34,783,606$83,469,832
70$122,719,447$47,787,130$35,907,574$90,742,807
71$135,194,248$50,086,116$37,067,894$98,709,561
72$148,940,136$52,496,411$38,265,744$107,438,916
73$164,086,722$55,023,426$39,502,338$117,006,629
74$180,776,832$57,672,839$40,778,931$127,496,100
75$199,167,861$60,450,600$42,096,818$138,999,146
76$219,433,257$63,362,953$43,457,335$151,616,856
77$241,764,156$66,416,446$44,861,863$165,460,533
78$266,371,192$69,617,943$46,311,827$180,652,730
79$293,486,479$72,974,647$47,808,698$197,328,395
80$323,365,805$76,494,111$49,353,996$215,636,131
81$356,291,050$80,184,255$50,949,287$235,739,579
82$392,572,841$84,053,388$52,596,192$257,818,953
83$432,553,488$88,110,220$54,296,381$282,072,724
84$476,610,214$92,363,892$56,051,581$308,719,471
85$525,158,719$96,823,986$57,863,572$337,999,933
86$578,657,101$101,500,554$59,734,194$370,179,260
87$637,610,182$106,404,137$61,665,346$405,549,496
88$702,574,274$111,545,793$63,658,989$444,432,318
89$774,162,431$116,937,118$65,717,146$487,182,049
90$853,050,235$122,590,273$67,841,907$534,188,981
91$939,982,178$128,518,015$70,035,429$585,883,038
92$1,035,778,684$134,733,722$72,299,940$642,737,807
93$1,141,343,861$141,251,426$74,637,740$705,274,989
94$1,257,674,033$148,085,844$77,051,202$774,069,291
95$1,385,867,144$155,252,410$79,542,777$849,753,827
96$1,527,133,130$162,767,315$82,114,997$933,026,067
97$1,682,805,333$170,647,538$84,770,473$1,024,654,389
98$1,854,353,097$178,910,887$87,511,904$1,125,485,302
99$2,043,395,633$187,576,041$90,342,073$1,236,451,405
100$2,251,717,312$196,662,591$93,263,857$1,358,580,154