Can I retire at age 52 with 19,900,000?

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 $19,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$1,643,323$1,628,686$1,614,404$1,600,465$1,586,854$1,525,701
2 years$813,526$798,375$783,691$769,454$755,645$694,764
3 years$536,964$521,747$507,100$492,997$479,412$420,719
4 years$398,709$383,539$369,039$355,176$341,921$285,862
5 years$315,778$300,700$286,390$272,810$259,923$206,643
6 years$260,509$245,544$231,445$218,168$205,668$155,202
7 years$221,047$206,207$192,332$179,368$167,263$119,596
8 years$191,463$176,758$163,113$150,467$138,761$93,846
9 years$168,466$153,899$140,489$128,165$116,857$74,628
10 years$150,079$135,655$122,482$110,479$99,568$59,946
11 years$135,045$120,765$107,831$96,150$85,632$48,528
12 years$122,526$108,393$95,697$84,337$74,207$39,524
13 years$111,940$97,955$85,499$74,457$64,710$32,346
14 years$102,875$89,039$76,821$66,094$56,724$26,574
15 years$95,026$81,338$69,359$58,944$49,944$21,900
16 years$88,165$74,626$62,885$52,778$44,141$18,094
17 years$82,117$68,728$57,222$47,421$39,138$14,980
18 years$76,747$63,508$52,237$42,736$34,800$12,423
19 years$71,948$58,858$47,820$38,615$31,018$10,317
20 years$67,634$54,694$43,887$34,974$27,706$8,578
21 years$63,736$50,945$40,367$31,741$24,794$7,139
22 years$60,197$47,556$37,205$28,860$22,224$5,946
23 years$56,971$44,478$34,352$26,283$19,950$4,955
24 years$54,018$41,673$31,770$23,972$17,931$4,132
25 years$51,305$39,108$29,425$21,892$16,135$3,447
26 years$48,805$36,755$27,290$20,017$14,534$2,877
27 years$46,495$34,591$25,342$18,322$13,104$2,401
28 years$44,353$32,595$23,558$16,787$11,824$2,005
29 years$42,362$30,749$21,923$15,394$10,676$1,675
30 years$40,508$29,040$20,420$14,128$9,647$1,399
31 years$38,776$27,452$19,037$12,975$8,722$1,169
32 years$37,157$25,975$17,762$11,925$7,889$977
33 years$35,638$24,599$16,585$10,966$7,140$816
34 years$34,212$23,314$15,496$10,090$6,464$682
35 years$32,870$22,113$14,487$9,288$5,855$570
36 years$31,606$20,989$13,553$8,554$5,305$477
37 years$30,413$19,934$12,685$7,881$4,808$398
38 years$29,285$18,945$11,879$7,264$4,359$333
39 years$28,218$18,015$11,129$6,698$3,953$278
40 years$27,206$17,139$10,432$6,178$3,585$233
41 years$26,247$16,315$9,781$5,700$3,253$195
42 years$25,336$15,538$9,175$5,260$2,952$163
43 years$24,469$14,805$8,610$4,856$2,679$136
44 years$23,644$14,112$8,082$4,484$2,431$114
45 years$22,858$13,457$7,589$4,141$2,207$95
46 years$22,108$12,837$7,127$3,825$2,004$79
47 years$21,393$12,251$6,696$3,534$1,820$66
48 years$20,709$11,695$6,292$3,265$1,653$56
49 years$20,055$11,168$5,914$3,018$1,501$46
50 years$19,429$10,668$5,560$2,789$1,363$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $19,900,000, adding $6,972 every year, while hoping to spend $35,538 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: 56/31/13 Blend
51$19,900,000$19,900,000$19,900,000$19,900,000
52$21,936,992$20,882,292$20,573,842$23,092,116
53$24,136,753$21,867,712$21,225,253$24,861,052
54$26,559,698$22,900,226$21,897,296$26,782,447
55$29,228,556$23,982,106$22,590,623$28,874,515
56$32,168,369$25,115,730$23,305,910$31,153,575
57$35,406,736$26,303,594$24,043,852$33,637,564
58$38,974,069$27,548,315$24,805,166$36,346,197
59$42,903,878$28,852,637$25,590,594$39,301,146
60$47,233,093$30,219,436$26,400,898$42,526,239
61$52,002,408$31,651,728$27,236,868$46,047,676
62$57,256,667$33,152,676$28,099,316$49,894,269
63$63,045,286$34,725,596$28,989,082$54,097,705
64$69,422,720$36,373,965$29,907,031$58,692,835
65$76,448,977$38,101,428$30,854,056$63,717,998
66$84,190,183$39,911,809$31,831,078$69,215,370
67$92,719,210$41,809,117$32,839,047$75,231,351
68$102,116,360$43,797,553$33,878,945$81,816,996
69$112,470,122$45,881,526$34,951,783$89,028,483
70$123,878,011$48,065,658$36,058,605$96,927,635
71$136,447,487$50,354,794$37,200,487$105,582,486
72$150,296,968$52,754,016$38,378,540$115,067,918
73$165,556,949$55,268,653$39,593,911$125,466,348
74$182,371,233$57,904,293$40,847,783$136,868,496
75$200,898,290$60,666,794$42,141,374$149,374,227
76$221,312,749$63,562,301$43,475,945$163,093,475
77$243,807,054$66,597,258$44,852,793$178,147,270
78$268,593,269$69,778,420$46,273,258$194,668,861
79$295,905,093$73,112,872$47,738,722$212,804,955
80$326,000,055$76,608,045$49,250,612$232,717,087
81$359,161,951$80,271,730$50,810,398$254,583,126
82$395,703,522$84,112,097$52,419,598$278,598,932
83$435,969,406$88,137,714$54,079,779$304,980,182
84$480,339,390$92,357,567$55,792,556$333,964,392
85$529,231,996$96,781,076$57,559,596$365,813,128
86$583,108,436$101,418,125$59,382,618$400,814,456
87$642,476,957$106,279,074$61,263,396$439,285,637
88$707,897,649$111,374,791$63,203,762$481,576,090
89$779,987,725$116,716,671$65,205,604$528,070,671
90$859,427,350$122,316,666$67,270,869$579,193,273
91$946,966,065$128,187,308$69,401,569$635,410,797
92$1,043,429,859$134,341,740$71,599,776$697,237,530
93$1,149,728,967$140,793,748$73,867,631$765,239,967
94$1,266,866,466$147,557,786$76,207,341$840,042,126
95$1,395,947,741$154,649,013$78,621,183$922,331,396
96$1,538,190,925$162,083,329$81,111,507$1,012,864,998
97$1,694,938,394$169,877,407$83,680,737$1,112,477,088
98$1,867,669,443$178,048,732$86,331,374$1,222,086,590
99$2,058,014,249$186,615,644$89,065,998$1,342,705,830
100$2,267,769,265$195,597,373$91,887,272$1,475,450,046