Can I retire at age 52 with 11,000,000?

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 $11,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$908,370$900,278$892,384$884,679$877,155$861,915
2 years$449,688$441,313$433,196$425,327$417,693$402,388
3 years$296,814$288,403$280,307$272,511$265,002$250,108
4 years$220,392$212,007$203,991$196,329$189,001$174,635
5 years$174,551$166,216$158,306$150,799$143,676$129,878
6 years$144,000$135,728$127,935$120,595$113,686$100,471
7 years$122,187$113,984$106,314$99,148$92,457$79,830
8 years$105,834$97,705$90,163$83,173$76,702$64,659
9 years$93,122$85,070$77,657$70,845$64,594$53,129
10 years$82,958$74,985$67,703$61,069$55,037$44,141
11 years$74,648$66,755$59,605$53,148$47,334$36,993
12 years$67,728$59,915$52,898$46,618$41,019$31,220
13 years$61,877$54,146$47,261$41,157$35,769$26,497
14 years$56,866$49,217$42,464$36,534$31,355$22,594
15 years$52,527$44,961$38,339$32,582$27,607$19,341
16 years$48,734$41,251$34,760$29,174$24,400$16,610
17 years$45,391$37,990$31,630$26,213$21,634$14,303
18 years$42,423$35,105$28,874$23,623$19,236$12,345
19 years$39,770$32,535$26,433$21,345$17,146$10,676
20 years$37,386$30,233$24,259$19,332$15,315$9,248
21 years$35,231$28,161$22,314$17,545$13,705$8,023
22 years$33,275$26,287$20,566$15,953$12,285$6,969
23 years$31,491$24,586$18,989$14,528$11,027$6,059
24 years$29,859$23,035$17,561$13,251$9,912$5,273
25 years$28,360$21,617$16,265$12,101$8,919$4,593
26 years$26,978$20,317$15,085$11,065$8,034$4,003
27 years$25,701$19,121$14,008$10,128$7,243$3,491
28 years$24,517$18,017$13,022$9,279$6,536$3,046
29 years$23,416$16,997$12,118$8,509$5,902$2,659
30 years$22,391$16,052$11,288$7,809$5,332$2,322
31 years$21,434$15,175$10,523$7,172$4,821$2,029
32 years$20,539$14,358$9,818$6,592$4,361$1,773
33 years$19,699$13,597$9,167$6,061$3,947$1,550
34 years$18,911$12,887$8,565$5,577$3,573$1,355
35 years$18,169$12,223$8,008$5,134$3,236$1,185
36 years$17,471$11,602$7,491$4,728$2,932$1,036
37 years$16,811$11,019$7,012$4,357$2,658$906
38 years$16,188$10,472$6,566$4,016$2,409$793
39 years$15,598$9,958$6,152$3,702$2,185$694
40 years$15,039$9,474$5,766$3,415$1,982$607
41 years$14,508$9,018$5,407$3,151$1,798$531
42 years$14,005$8,589$5,072$2,908$1,632$465
43 years$13,526$8,183$4,759$2,684$1,481$407
44 years$13,070$7,801$4,467$2,478$1,344$356
45 years$12,635$7,439$4,195$2,289$1,220$312
46 years$12,221$7,096$3,940$2,114$1,108$273
47 years$11,825$6,772$3,701$1,953$1,006$239
48 years$11,447$6,465$3,478$1,805$914$209
49 years$11,086$6,173$3,269$1,668$830$183
50 years$10,740$5,897$3,074$1,542$754$160

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $11,000,000, adding $2,739 every year, while hoping to spend $24,964 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: 81/7/12 Blend
51$11,000,000$11,000,000$11,000,000$11,000,000
52$12,124,825$11,541,825$11,371,325$13,080,395
53$13,334,996$12,080,813$11,725,703$14,246,792
54$14,667,767$12,645,375$12,091,116$15,523,300
55$16,135,618$13,236,737$12,467,907$16,923,765
56$17,752,300$13,856,186$12,856,431$18,460,598
57$19,532,965$14,505,069$13,257,051$20,147,470
58$21,494,310$15,184,800$13,670,146$21,999,436
59$23,654,736$15,896,862$14,096,102$24,033,077
60$26,034,517$16,642,806$14,535,319$26,266,655
61$28,655,997$17,424,262$14,988,211$28,720,283
62$31,543,795$18,242,938$15,455,202$31,416,118
63$34,725,042$19,100,622$15,936,732$34,378,562
64$38,229,636$19,999,192$16,433,252$37,634,495
65$42,090,521$20,940,615$16,945,228$41,213,529
66$46,344,003$21,926,953$17,473,142$45,148,280
67$51,030,088$22,960,370$18,017,489$49,474,679
68$56,192,861$24,043,133$18,578,779$54,232,309
69$61,880,906$25,177,619$19,157,541$59,464,775
70$68,147,756$26,366,321$19,754,317$65,220,113
71$75,052,408$27,611,851$20,369,667$71,551,246
72$82,659,872$28,916,951$21,004,170$78,516,477
73$91,041,790$30,284,491$21,658,419$86,180,038
74$100,277,107$31,717,486$22,333,031$94,612,697
75$110,452,821$33,219,092$23,028,637$103,892,420
76$121,664,803$34,792,622$23,745,891$114,105,106
77$134,018,700$36,441,547$24,485,465$125,345,398
78$147,630,933$38,169,509$25,248,053$137,717,569
79$162,629,797$39,980,323$26,034,372$151,336,505
80$179,156,671$41,877,994$26,845,158$166,328,792
81$197,367,353$43,866,718$27,681,173$182,833,900
82$217,433,531$45,950,895$28,543,200$201,005,501
83$239,544,402$48,135,140$29,432,049$221,012,917
84$263,908,461$50,424,291$30,348,552$243,042,711
85$290,755,466$52,823,423$31,293,570$267,300,451
86$320,338,607$55,337,855$32,267,989$294,012,640
87$352,936,901$57,973,166$33,272,722$323,428,857
88$388,857,819$60,735,205$34,308,713$355,824,103
89$428,440,194$63,630,107$35,376,931$391,501,398
90$472,057,415$66,664,304$36,478,380$430,794,635
91$520,120,957$69,844,540$37,614,091$474,071,727
92$573,084,261$73,177,889$38,785,130$521,738,076
93$631,447,018$76,671,768$39,992,594$574,240,398
94$695,759,883$80,333,954$41,237,615$632,070,930
95$766,629,676$84,172,603$42,521,360$695,772,076
96$844,725,110$88,196,267$43,845,033$765,941,519
97$930,783,103$92,413,917$45,209,874$843,237,860
98$1,025,615,737$96,834,956$46,617,162$928,386,830
99$1,130,117,921$101,469,248$48,068,216$1,022,188,129
100$1,245,275,844$106,327,135$49,564,395$1,125,522,979