Can I retire at age 52 with 19,800,000?

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 $19,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$1,635,065$1,620,501$1,606,292$1,592,422$1,578,880$1,539,461
2 years$809,438$794,363$779,753$765,588$751,848$712,384
3 years$534,265$519,125$504,552$490,519$477,003$438,728
4 years$396,706$381,612$367,185$353,392$340,203$303,410
5 years$314,192$299,188$284,950$271,439$258,617$223,410
6 years$259,200$244,310$230,282$217,072$204,634$171,048
7 years$219,936$205,171$191,366$178,467$166,423$134,460
8 years$190,501$175,869$162,293$149,711$138,064$107,711
9 years$167,619$153,126$139,783$127,521$116,270$87,501
10 years$149,325$134,973$121,866$109,924$99,067$71,850
11 years$134,366$120,159$107,289$95,667$85,201$59,494
12 years$121,910$107,848$95,216$83,913$73,834$49,593
13 years$111,378$97,463$85,069$74,082$64,384$41,563
14 years$102,358$88,591$76,435$65,762$56,439$34,985
15 years$94,548$80,930$69,011$58,648$49,693$29,555
16 years$87,721$74,251$62,569$52,513$43,919$25,043
17 years$81,704$68,383$56,935$47,183$38,942$21,272
18 years$76,361$63,189$51,974$42,521$34,625$18,107
19 years$71,586$58,563$47,580$38,421$30,862$15,439
20 years$67,294$54,419$43,666$34,798$27,567$13,184
21 years$63,416$50,689$40,165$31,581$24,669$11,273
22 years$59,895$47,317$37,018$28,715$22,112$9,649
23 years$56,685$44,254$34,179$26,151$19,849$8,266
24 years$53,746$41,463$31,610$23,851$17,841$7,087
25 years$51,047$38,911$29,277$21,782$16,054$6,080
26 years$48,560$36,570$27,153$19,917$14,461$5,219
27 years$46,261$34,417$25,214$18,230$13,038$4,482
28 years$44,130$32,431$23,440$16,703$11,764$3,851
29 years$42,149$30,595$21,813$15,317$10,623$3,310
30 years$40,304$28,894$20,318$14,057$9,598$2,846
31 years$38,582$27,314$18,942$12,910$8,678$2,447
32 years$36,970$25,845$17,673$11,865$7,850$2,105
33 years$35,459$24,475$16,501$10,911$7,104$1,811
34 years$34,040$23,197$15,418$10,039$6,432$1,558
35 years$32,705$22,002$14,415$9,241$5,826$1,341
36 years$31,447$20,883$13,485$8,511$5,278$1,154
37 years$30,260$19,834$12,621$7,842$4,784$993
38 years$29,138$18,850$11,819$7,228$4,337$855
39 years$28,076$17,924$11,073$6,664$3,933$736
40 years$27,070$17,053$10,379$6,147$3,567$634
41 years$26,115$16,233$9,732$5,671$3,236$546
42 years$25,208$15,460$9,129$5,234$2,937$470
43 years$24,346$14,730$8,567$4,832$2,665$405
44 years$23,525$14,041$8,041$4,461$2,419$348
45 years$22,743$13,389$7,550$4,120$2,196$300
46 years$21,997$12,773$7,092$3,806$1,994$258
47 years$21,285$12,189$6,662$3,516$1,811$223
48 years$20,605$11,636$6,261$3,249$1,644$192
49 years$19,954$11,112$5,885$3,003$1,493$165
50 years$19,332$10,615$5,533$2,775$1,357$142

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $19,800,000, adding $5,334 every year, while hoping to spend $30,647 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: 52/32/16 Blend
51$19,800,000$19,800,000$19,800,000$19,800,000
52$21,825,102$20,775,702$20,468,802$22,864,958
53$24,018,654$21,761,103$21,121,899$24,563,550
54$26,434,922$22,793,762$21,795,847$26,406,330
55$29,096,589$23,875,961$22,491,313$28,409,926
56$32,028,653$25,010,096$23,208,984$30,589,577
57$35,258,661$26,198,676$23,949,570$32,962,030
58$38,816,966$27,444,333$24,713,803$35,545,683
59$42,737,020$28,749,828$25,502,438$38,360,757
60$47,055,681$30,118,055$26,316,255$41,429,473
61$51,813,570$31,552,049$27,156,059$44,776,261
62$57,055,447$33,054,992$28,022,680$48,427,976
63$62,830,637$34,630,221$28,916,974$52,414,146
64$69,193,496$36,281,237$29,839,827$56,767,238
65$76,203,923$38,011,707$30,792,151$61,522,960
66$83,927,922$39,825,480$31,774,887$66,720,584
67$92,438,232$41,726,590$32,789,008$72,403,306
68$101,815,008$43,719,269$33,835,516$78,618,644
69$112,146,580$45,807,954$34,915,447$85,418,876
70$123,530,284$47,997,298$36,029,868$92,861,519
71$136,073,387$50,292,179$37,179,882$101,009,859
72$149,894,091$52,697,714$38,366,627$109,933,538
73$165,122,655$55,219,269$39,591,275$119,709,195
74$181,902,622$57,862,470$40,855,040$130,421,175
75$200,392,176$60,633,217$42,159,170$142,162,311
76$220,765,633$63,537,699$43,504,957$155,034,782
77$243,215,086$66,582,405$44,893,731$169,151,067
78$267,952,220$69,774,139$46,326,867$184,634,979
79$295,210,313$73,120,038$47,805,783$201,622,826
80$325,246,430$76,627,585$49,331,942$220,264,672
81$358,343,858$80,304,628$50,906,854$240,725,736
82$394,814,775$84,159,399$52,532,078$263,187,929
83$435,003,202$88,200,529$54,209,222$287,851,551
84$479,288,244$92,437,070$55,939,946$314,937,158
85$528,087,673$96,878,515$57,725,963$344,687,622
86$581,861,873$101,534,820$59,569,040$377,370,395
87$641,118,183$106,416,425$61,471,002$413,280,008
88$706,415,688$111,534,281$63,433,731$452,740,828
89$778,370,498$116,899,870$65,459,171$496,110,085
90$857,661,561$122,525,236$67,549,325$543,781,218
91$945,037,076$128,423,008$69,706,264$596,187,559
92$1,041,321,557$134,606,434$71,932,122$653,806,385
93$1,147,423,611$141,089,405$74,229,103$717,163,394
94$1,264,344,523$147,886,490$76,599,482$786,837,628
95$1,393,187,705$155,012,968$79,045,606$863,466,904
96$1,535,169,113$162,484,866$81,569,895$947,753,793
97$1,691,628,727$170,318,988$84,174,851$1,040,472,212
98$1,864,043,200$178,532,962$86,863,052$1,142,474,688
99$2,054,039,803$187,145,274$89,637,161$1,254,700,356
100$2,263,411,782$196,175,311$92,499,924$1,378,183,781