Can I retire at age 52 with 20,000,000?

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 $20,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$1,651,581$1,636,870$1,622,517$1,608,508$1,594,828$1,553,752
2 years$817,615$802,387$787,630$773,321$759,442$718,332
3 years$539,662$524,369$509,648$495,474$481,821$441,963
4 years$400,713$385,467$370,894$356,961$343,639$305,339
5 years$317,365$302,211$287,829$274,180$261,229$224,594
6 years$261,818$246,778$232,608$219,264$206,701$171,767
7 years$222,157$207,243$193,299$180,269$168,104$134,873
8 years$192,425$177,646$163,933$151,223$139,458$107,915
9 years$169,313$154,673$141,195$128,809$117,444$87,561
10 years$150,833$136,336$123,097$111,034$100,068$71,809
11 years$135,724$121,372$108,373$96,633$86,062$59,385
12 years$123,141$108,937$96,178$84,760$74,579$49,437
13 years$112,503$98,447$85,929$74,831$65,035$41,376
14 years$103,392$89,486$77,207$66,426$57,009$34,781
15 years$95,503$81,747$69,708$59,241$50,195$29,341
16 years$88,608$75,001$63,201$53,044$44,363$24,826
17 years$82,529$69,073$57,510$47,659$39,335$21,057
18 years$77,132$63,827$52,499$42,951$34,975$17,897
19 years$72,309$59,154$48,060$38,809$31,174$15,238
20 years$67,974$54,969$44,107$35,149$27,845$12,993
21 years$64,056$51,201$40,570$31,900$24,918$11,092
22 years$60,500$47,795$37,392$29,005$22,336$9,479
23 years$57,257$44,701$34,525$26,415$20,050$8,108
24 years$54,289$41,882$31,930$24,092$18,021$6,941
25 years$51,563$39,304$29,573$22,002$16,216$5,945
26 years$49,051$36,940$27,428$20,118$14,607$5,095
27 years$46,728$34,765$25,469$18,414$13,170$4,369
28 years$44,576$32,759$23,677$16,871$11,883$3,747
29 years$42,575$30,904$22,033$15,471$10,730$3,215
30 years$40,711$29,186$20,523$14,199$9,695$2,760
31 years$38,971$27,590$19,133$13,041$8,766$2,369
32 years$37,343$26,106$17,851$11,985$7,929$2,035
33 years$35,817$24,723$16,668$11,021$7,176$1,748
34 years$34,384$23,431$15,574$10,140$6,497$1,501
35 years$33,035$22,224$14,560$9,335$5,884$1,290
36 years$31,765$21,094$13,621$8,597$5,332$1,108
37 years$30,565$20,035$12,749$7,921$4,832$952
38 years$29,432$19,040$11,939$7,301$4,381$818
39 years$28,360$18,105$11,185$6,732$3,973$703
40 years$27,343$17,226$10,484$6,209$3,603$605
41 years$26,379$16,397$9,831$5,729$3,269$520
42 years$25,463$15,616$9,221$5,287$2,966$447
43 years$24,592$14,879$8,653$4,880$2,692$384
44 years$23,763$14,183$8,122$4,506$2,444$330
45 years$22,973$13,525$7,627$4,162$2,218$284
46 years$22,219$12,902$7,163$3,844$2,014$244
47 years$21,500$12,312$6,730$3,552$1,829$210
48 years$20,813$11,754$6,324$3,282$1,661$180
49 years$20,156$11,224$5,944$3,033$1,509$155
50 years$19,527$10,722$5,588$2,803$1,370$133

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $20,000,000, adding $4,532 every year, while hoping to spend $51,363 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: 61/24/15 Blend
51$20,000,000$20,000,000$20,000,000$20,000,000
52$22,044,675$20,984,675$20,674,675$23,306,695
53$24,238,582$21,958,274$21,312,627$25,130,182
54$26,654,546$22,977,858$21,970,228$27,113,013
55$29,315,162$24,045,626$22,648,084$29,275,578
56$32,245,330$25,163,883$23,346,816$31,635,294
57$35,472,486$26,335,046$24,067,066$34,211,311
58$39,026,863$27,561,646$24,809,496$37,024,692
59$42,941,776$28,846,340$25,574,787$40,098,607
60$47,253,936$30,191,910$26,363,642$43,458,544
61$52,003,799$31,601,274$27,176,785$47,132,545
62$57,235,940$33,077,490$28,014,961$51,151,460
63$62,999,485$34,623,766$28,878,941$55,549,238
64$69,348,563$36,243,462$29,769,517$60,363,238
65$76,342,827$37,940,101$30,687,505$65,634,570
66$84,048,007$39,717,378$31,633,749$71,408,482
67$92,536,540$41,579,166$32,609,115$77,734,777
68$101,888,245$43,529,523$33,614,499$84,668,272
69$112,191,083$45,572,707$34,650,822$92,269,310
70$123,541,983$47,713,179$35,719,034$100,604,320
71$136,047,759$49,955,618$36,820,115$109,746,435
72$149,826,115$52,304,928$37,955,073$119,776,168
73$165,006,760$54,766,251$39,124,950$130,782,169
74$181,732,629$57,344,977$40,330,816$142,862,046
75$200,161,236$60,046,760$41,573,777$156,123,275
76$220,466,155$62,877,524$42,854,971$170,684,207
77$242,838,662$65,843,482$44,175,572$186,675,167
78$267,489,542$68,951,148$45,536,789$204,239,677
79$294,651,073$72,207,352$46,939,870$223,535,791
80$324,579,225$75,619,255$48,386,098$244,737,580
81$357,556,071$79,194,364$49,876,797$268,036,754
82$393,892,452$82,940,550$51,413,332$293,644,462
83$433,930,914$86,866,068$52,997,110$321,793,265
84$478,048,933$90,979,572$54,629,580$352,739,314
85$526,662,488$95,290,134$56,312,234$386,764,754
86$580,229,981$99,807,270$58,046,614$424,180,368
87$639,256,568$104,540,956$59,834,304$465,328,488
88$704,298,926$109,501,650$61,676,941$510,586,211
89$775,970,507$114,700,321$63,576,209$560,368,935
90$854,947,331$120,148,470$65,533,845$615,134,260
91$941,974,369$125,858,154$67,551,638$675,386,282
92$1,037,872,570$131,842,019$69,631,433$741,680,331
93$1,143,546,617$138,113,323$71,775,131$814,628,185
94$1,259,993,465$144,685,969$73,984,691$894,903,822
95$1,388,311,752$151,574,535$76,262,132$983,249,751
96$1,529,712,171$158,794,308$78,609,534$1,080,483,997
97$1,685,528,900$166,361,317$81,029,041$1,187,507,790
98$1,857,232,198$174,292,372$83,522,864$1,305,314,040
99$2,046,442,281$182,605,097$86,093,279$1,434,996,682
100$2,254,944,624$191,317,977$88,742,634$1,577,760,964