Can I retire at age 52 with 11,100,000?

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 $11,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$916,628$908,463$900,497$892,722$885,130$879,183
2 years$453,776$445,325$437,134$429,193$421,490$415,493
3 years$299,512$291,025$282,855$274,988$267,411$261,548
4 years$222,396$213,934$205,846$198,114$190,720$185,037
5 years$176,138$167,727$159,745$152,170$144,982$139,496
6 years$145,309$136,962$129,098$121,692$114,719$109,438
7 years$123,297$115,020$107,281$100,049$93,298$88,222
8 years$106,796$98,593$90,983$83,929$77,399$72,531
9 years$93,968$85,843$78,363$71,489$65,181$60,518
10 years$83,712$75,667$68,319$61,624$55,538$51,077
11 years$75,327$67,362$60,147$53,631$47,764$43,503
12 years$68,343$60,460$53,379$47,042$41,392$37,327
13 years$62,439$54,638$47,690$41,531$36,094$32,221
14 years$57,383$49,665$42,850$36,867$31,640$27,954
15 years$53,004$45,370$38,688$32,879$27,858$24,354
16 years$49,177$41,626$35,076$29,439$24,621$21,294
17 years$45,804$38,336$31,918$26,451$21,831$18,676
18 years$42,808$35,424$29,137$23,838$19,411$16,422
19 years$40,132$32,831$26,673$21,539$17,302$14,473
20 years$37,725$30,508$24,480$19,508$15,454$12,780
21 years$35,551$28,417$22,517$17,705$13,830$11,304
22 years$33,577$26,526$20,752$16,098$12,396$10,014
23 years$31,778$24,809$19,161$14,660$11,128$8,882
24 years$30,131$23,245$17,721$13,371$10,002$7,888
25 years$28,618$21,814$16,413$12,211$9,000$7,011
26 years$27,223$20,502$15,222$11,165$8,107$6,238
27 years$25,934$19,294$14,135$10,220$7,309$5,554
28 years$24,739$18,181$13,141$9,364$6,595$4,949
29 years$23,629$17,152$12,228$8,587$5,955$4,412
30 years$22,595$16,198$11,390$7,880$5,381$3,936
31 years$21,629$15,312$10,619$7,238$4,865$3,513
32 years$20,726$14,489$9,908$6,652$4,401$3,136
33 years$19,878$13,721$9,251$6,117$3,983$2,801
34 years$19,083$13,004$8,643$5,628$3,606$2,503
35 years$18,335$12,334$8,081$5,181$3,266$2,237
36 years$17,629$11,707$7,560$4,771$2,959$2,000
37 years$16,964$11,119$7,076$4,396$2,682$1,789
38 years$16,335$10,567$6,626$4,052$2,431$1,600
39 years$15,740$10,048$6,208$3,736$2,205$1,431
40 years$15,175$9,560$5,819$3,446$2,000$1,281
41 years$14,640$9,100$5,456$3,179$1,814$1,146
42 years$14,132$8,667$5,118$2,934$1,646$1,026
43 years$13,649$8,258$4,802$2,709$1,494$918
44 years$13,188$7,871$4,508$2,501$1,356$822
45 years$12,750$7,506$4,233$2,310$1,231$736
46 years$12,332$7,161$3,976$2,134$1,118$659
47 years$11,933$6,833$3,735$1,971$1,015$590
48 years$11,551$6,523$3,510$1,821$922$528
49 years$11,186$6,229$3,299$1,683$837$473
50 years$10,837$5,951$3,102$1,556$760$424

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $11,100,000, adding $6,449 every year, while hoping to spend $54,417 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: 42/33/25 Blend
51$11,100,000$11,100,000$11,100,000$11,100,000
52$12,238,852$11,650,552$11,478,502$12,663,012
53$13,429,316$12,163,530$11,805,133$13,480,326
54$14,739,383$12,699,820$12,140,882$14,359,197
55$16,181,196$13,260,507$12,485,997$15,309,915
56$17,768,133$13,846,727$12,840,733$16,339,130
57$19,514,936$14,459,670$13,205,351$17,454,146
58$21,437,848$15,100,582$13,580,119$18,662,981
59$23,554,767$15,770,770$13,965,312$19,974,443
60$25,885,416$16,471,599$14,361,212$21,398,205
61$28,451,524$17,204,504$14,768,108$22,944,897
62$31,277,038$17,970,983$15,186,299$24,626,197
63$34,388,344$18,772,609$15,616,087$26,454,942
64$37,814,515$19,611,027$16,057,787$28,445,238
65$41,587,591$20,487,963$16,511,718$30,612,594
66$45,742,874$21,405,222$16,978,209$32,974,062
67$50,319,267$22,364,698$17,457,599$35,548,387
68$55,359,636$23,368,372$17,950,233$38,356,187
69$60,911,219$24,418,322$18,456,465$41,420,137
70$67,026,068$25,516,724$18,976,661$44,765,175
71$73,761,541$26,665,858$19,511,194$48,418,735
72$81,180,845$27,868,112$20,060,446$52,410,998
73$89,353,631$29,125,989$20,624,810$56,775,168
74$98,356,649$30,442,110$21,204,689$61,547,781
75$108,274,477$31,819,223$21,800,496$66,769,041
76$119,200,315$33,260,206$22,412,653$72,483,191
77$131,236,866$34,768,076$23,041,597$78,738,922
78$144,497,307$36,345,992$23,687,770$85,589,825
79$159,106,352$37,997,265$24,351,631$93,094,888
80$175,201,435$39,725,366$25,033,645$101,319,044
81$192,934,003$41,533,931$25,734,294$110,333,771
82$212,470,946$43,426,768$26,454,068$120,217,758
83$233,996,175$45,407,872$27,193,471$131,057,638
84$257,712,352$47,481,425$27,953,020$142,948,796
85$283,842,809$49,651,812$28,733,243$155,996,251
86$312,633,653$51,923,628$29,534,684$170,315,643
87$344,356,087$54,301,687$30,357,897$186,034,307
88$379,308,974$56,791,036$31,203,453$203,292,463
89$417,821,656$59,396,963$32,071,935$222,244,524
90$460,257,061$62,125,010$32,963,941$243,060,542
91$507,015,131$64,980,986$33,880,083$265,927,796
92$558,536,598$67,970,978$34,820,989$291,052,543
93$615,307,141$71,101,366$35,787,302$318,661,951
94$677,861,973$74,378,837$36,779,681$349,006,222
95$746,790,894$77,810,399$37,798,800$382,360,941
96$822,743,855$81,403,398$38,845,349$419,029,652
97$906,437,097$85,165,534$39,920,037$459,346,710
98$998,659,911$89,104,875$41,023,589$503,680,410
99$1,100,282,088$93,229,881$42,156,745$552,436,447
100$1,212,262,132$97,549,415$43,320,267$606,061,721