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%17.6%
1 years$908,370$900,278$892,384$884,679$877,155$850,098
2 years$449,688$441,313$433,196$425,327$417,693$390,670
3 years$296,814$288,403$280,307$272,511$265,002$238,860
4 years$220,392$212,007$203,991$196,329$189,001$163,942
5 years$174,551$166,216$158,306$150,799$143,676$119,766
6 years$144,000$135,728$127,935$120,595$113,686$90,947
7 years$122,187$113,984$106,314$99,148$92,457$70,887
8 years$105,834$97,705$90,163$83,173$76,702$56,287
9 years$93,122$85,070$77,657$70,845$64,594$45,312
10 years$82,958$74,985$67,703$61,069$55,037$36,860
11 years$74,648$66,755$59,605$53,148$47,334$30,229
12 years$67,728$59,915$52,898$46,618$41,019$24,950
13 years$61,877$54,146$47,261$41,157$35,769$20,700
14 years$56,866$49,217$42,464$36,534$31,355$17,245
15 years$52,527$44,961$38,339$32,582$27,607$14,415
16 years$48,734$41,251$34,760$29,174$24,400$12,084
17 years$45,391$37,990$31,630$26,213$21,634$10,152
18 years$42,423$35,105$28,874$23,623$19,236$8,546
19 years$39,770$32,535$26,433$21,345$17,146$7,206
20 years$37,386$30,233$24,259$19,332$15,315$6,083
21 years$35,231$28,161$22,314$17,545$13,705$5,142
22 years$33,275$26,287$20,566$15,953$12,285$4,350
23 years$31,491$24,586$18,989$14,528$11,027$3,683
24 years$29,859$23,035$17,561$13,251$9,912$3,120
25 years$28,360$21,617$16,265$12,101$8,919$2,645
26 years$26,978$20,317$15,085$11,065$8,034$2,243
27 years$25,701$19,121$14,008$10,128$7,243$1,903
28 years$24,517$18,017$13,022$9,279$6,536$1,615
29 years$23,416$16,997$12,118$8,509$5,902$1,371
30 years$22,391$16,052$11,288$7,809$5,332$1,164
31 years$21,434$15,175$10,523$7,172$4,821$989
32 years$20,539$14,358$9,818$6,592$4,361$840
33 years$19,699$13,597$9,167$6,061$3,947$714
34 years$18,911$12,887$8,565$5,577$3,573$607
35 years$18,169$12,223$8,008$5,134$3,236$515
36 years$17,471$11,602$7,491$4,728$2,932$438
37 years$16,811$11,019$7,012$4,357$2,658$372
38 years$16,188$10,472$6,566$4,016$2,409$317
39 years$15,598$9,958$6,152$3,702$2,185$269
40 years$15,039$9,474$5,766$3,415$1,982$229
41 years$14,508$9,018$5,407$3,151$1,798$194
42 years$14,005$8,589$5,072$2,908$1,632$165
43 years$13,526$8,183$4,759$2,684$1,481$141
44 years$13,070$7,801$4,467$2,478$1,344$120
45 years$12,635$7,439$4,195$2,289$1,220$102
46 years$12,221$7,096$3,940$2,114$1,108$86
47 years$11,825$6,772$3,701$1,953$1,006$73
48 years$11,447$6,465$3,478$1,805$914$62
49 years$11,086$6,173$3,269$1,668$830$53
50 years$10,740$5,897$3,074$1,542$754$45

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 $6,181 every year, while hoping to spend $34,179 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: 44/29/27 Blend
51$11,000,000$11,000,000$11,000,000$11,000,000
52$12,128,376$11,545,376$11,374,876$12,566,693
53$13,329,104$12,074,733$11,719,568$13,409,035
54$14,651,161$12,628,883$12,074,662$14,317,817
55$16,106,886$13,209,005$12,440,469$15,302,305
56$17,709,876$13,816,334$12,817,313$16,369,558
57$19,475,114$14,452,165$13,205,524$17,527,327
58$21,419,109$15,117,855$13,605,442$18,784,124
59$23,560,054$15,814,826$14,017,421$20,149,303
60$25,917,996$16,544,569$14,441,821$21,633,138
61$28,515,025$17,308,645$14,879,014$23,246,918
62$31,375,482$18,108,694$15,329,386$25,003,054
63$34,526,192$18,946,430$15,793,331$26,915,182
64$37,996,712$19,823,654$16,271,256$28,998,297
65$41,819,613$20,742,250$16,763,580$31,268,882
66$46,030,789$21,704,195$17,270,735$33,745,063
67$50,669,790$22,711,561$17,793,166$36,446,771
68$55,780,201$23,766,520$18,331,329$39,395,928
69$61,410,050$24,871,348$18,885,697$42,616,647
70$67,612,261$26,028,431$19,456,754$46,135,450
71$74,445,158$27,240,270$20,045,001$49,981,518
72$81,973,008$28,509,487$20,650,953$54,186,955
73$90,266,634$29,838,830$21,275,139$58,787,084
74$99,404,079$31,231,182$21,918,105$63,820,778
75$109,471,347$32,689,561$22,580,413$69,330,811
76$120,563,209$34,217,135$23,262,642$75,364,264
77$132,784,104$35,817,222$23,965,388$81,972,951
78$146,249,119$37,493,302$24,689,264$89,213,906
79$161,085,078$39,249,023$25,434,903$97,149,910
80$177,431,739$41,088,208$26,202,956$105,850,073
81$195,443,112$43,014,867$26,994,091$115,390,480
82$215,288,916$45,033,202$27,809,000$125,854,893
83$237,156,177$47,147,619$28,648,392$137,335,537
84$261,250,993$49,362,739$29,512,999$149,933,956
85$287,800,484$51,683,403$30,403,575$163,761,957
86$317,054,933$54,114,689$31,320,894$178,942,660
87$349,290,148$56,661,921$32,265,756$195,611,640
88$384,810,066$59,330,678$33,238,982$213,918,199
89$423,949,625$62,126,813$34,241,420$234,026,756
90$467,077,920$65,056,460$35,273,940$256,118,390
91$514,601,692$68,126,051$36,337,441$280,392,527
92$566,969,166$71,342,329$37,432,847$307,068,813
93$624,674,283$74,712,365$38,561,109$336,389,167
94$688,261,360$78,243,572$39,723,208$368,620,045
95$758,330,235$81,943,722$40,920,151$404,054,943
96$835,541,920$85,820,966$42,152,977$443,017,142
97$920,624,850$89,883,848$43,422,756$485,862,745
98$1,014,381,756$94,141,327$44,730,589$532,984,010
99$1,117,697,240$98,602,797$46,077,609$584,813,041
100$1,231,546,133$103,278,109$47,464,984$641,825,833