Can I retire at age 52 with 11,200,000?

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 $11,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$924,886$916,647$908,609$900,764$893,104$883,777
2 years$457,864$449,337$441,073$433,060$425,287$415,895
3 years$302,211$293,647$285,403$277,466$269,820$260,653
4 years$224,399$215,861$207,700$199,898$192,438$183,567
5 years$177,725$169,238$161,184$153,541$146,288$137,740
6 years$146,618$138,195$130,261$122,788$115,753$107,538
7 years$124,408$116,056$108,247$100,951$94,138$86,259
8 years$107,758$99,482$91,802$84,685$78,097$70,554
9 years$94,815$86,617$79,069$72,133$65,769$58,559
10 years$84,467$76,348$68,934$62,179$56,038$49,157
11 years$76,005$67,969$60,689$54,115$48,195$41,637
12 years$68,959$61,005$53,860$47,466$41,764$35,523
13 years$63,002$55,131$48,120$41,905$36,419$30,487
14 years$57,900$50,112$43,236$37,199$31,925$26,293
15 years$53,482$45,778$39,036$33,175$28,109$22,769
16 years$49,620$42,001$35,392$29,704$24,843$19,786
17 years$46,216$38,681$32,205$26,689$22,028$17,245
18 years$43,194$35,743$29,399$24,052$19,586$15,067
19 years$40,493$33,126$26,914$21,733$17,457$13,193
20 years$38,065$30,783$24,700$19,684$15,593$11,574
21 years$35,871$28,673$22,719$17,864$13,954$10,169
22 years$33,880$26,765$20,939$16,243$12,508$8,948
23 years$32,064$25,033$19,334$14,793$11,228$7,883
24 years$30,402$23,454$17,881$13,492$10,092$6,952
25 years$28,875$22,010$16,561$12,321$9,081$6,136
26 years$27,468$20,686$15,359$11,266$8,180$5,421
27 years$26,168$19,468$14,263$10,312$7,375$4,793
28 years$24,962$18,345$13,259$9,448$6,655$4,240
29 years$23,842$17,306$12,339$8,664$6,009$3,753
30 years$22,798$16,344$11,493$7,951$5,429$3,323
31 years$21,824$15,450$10,715$7,303$4,909$2,944
32 years$20,912$14,619$9,997$6,711$4,440$2,609
33 years$20,058$13,845$9,334$6,172$4,018$2,313
34 years$19,255$13,122$8,721$5,679$3,638$2,051
35 years$18,500$12,446$8,154$5,227$3,295$1,820
36 years$17,788$11,813$7,628$4,814$2,986$1,615
37 years$17,117$11,219$7,139$4,436$2,706$1,433
38 years$16,482$10,662$6,686$4,089$2,453$1,272
39 years$15,881$10,139$6,264$3,770$2,225$1,129
40 years$15,312$9,646$5,871$3,477$2,018$1,002
41 years$14,772$9,182$5,505$3,208$1,831$890
42 years$14,259$8,745$5,164$2,961$1,661$791
43 years$13,771$8,332$4,846$2,733$1,508$702
44 years$13,307$7,942$4,549$2,524$1,368$624
45 years$12,865$7,574$4,271$2,331$1,242$554
46 years$12,443$7,225$4,011$2,153$1,128$492
47 years$12,040$6,895$3,769$1,989$1,024$437
48 years$11,655$6,582$3,541$1,838$930$389
49 years$11,287$6,286$3,329$1,698$845$345
50 years$10,935$6,004$3,130$1,570$767$307

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $11,200,000, adding $4,152 every year, while hoping to spend $36,038 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: 56/26/18 Blend
51$11,200,000$11,200,000$11,200,000$11,200,000
52$12,346,683$11,753,083$11,579,483$12,978,727
53$13,567,700$12,290,640$11,929,051$13,947,120
54$14,912,054$12,853,329$12,289,123$14,997,291
55$16,392,285$13,442,344$12,660,010$16,140,510
56$18,022,215$14,058,936$13,042,038$17,385,708
57$19,817,073$14,704,415$13,435,537$18,742,701
58$21,793,638$15,380,156$13,840,852$20,222,285
59$23,970,403$16,087,597$14,258,334$21,836,329
60$26,367,743$16,828,248$14,688,347$23,597,886
61$29,008,110$17,603,690$15,131,264$25,521,314
62$31,916,248$18,415,581$15,587,472$27,622,404
63$35,119,418$19,265,658$16,057,365$29,918,530
64$38,647,665$20,155,741$16,541,353$32,428,805
65$42,534,094$21,087,740$17,039,856$35,174,257
66$46,815,187$22,063,654$17,553,306$38,178,025
67$51,531,143$23,085,580$18,082,149$41,465,574
68$56,726,262$24,155,716$18,626,844$45,064,926
69$62,449,360$25,276,366$19,187,862$49,006,923
70$68,754,231$26,449,943$19,765,691$53,325,510
71$75,700,151$27,678,979$20,360,831$58,058,053
72$83,352,445$28,966,128$20,973,797$63,245,684
73$91,783,095$30,314,169$21,605,120$68,933,682
74$101,071,426$31,726,018$22,255,347$75,171,896
75$111,304,850$33,204,731$22,925,039$82,015,209
76$122,579,693$34,753,512$23,614,777$89,524,048
77$135,002,106$36,375,718$24,325,155$97,764,947
78$148,689,062$38,074,869$25,056,789$106,811,167
79$163,769,465$39,854,656$25,810,310$116,743,381
80$180,385,363$41,718,948$26,586,369$127,650,426
81$198,693,293$43,671,799$27,385,635$139,630,136
82$218,865,753$45,717,462$28,208,799$152,790,250
83$241,092,836$47,860,393$29,056,569$167,249,426
84$265,584,018$50,105,265$29,929,677$183,138,348
85$292,570,141$52,456,977$30,828,875$200,600,948
86$322,305,591$54,920,664$31,754,937$219,795,757
87$355,070,695$57,501,710$32,708,662$240,897,389
88$391,174,373$60,205,761$33,690,869$264,098,177
89$430,957,050$63,038,734$34,702,404$289,609,975
90$474,793,871$66,006,834$35,744,136$317,666,146
91$523,098,242$69,116,565$36,816,961$348,523,755
92$576,325,735$72,374,749$37,921,801$382,465,973
93$634,978,382$75,788,534$39,059,604$419,804,744
94$699,609,424$79,365,419$40,231,347$460,883,708
95$770,828,524$83,113,264$41,438,037$506,081,434
96$849,307,530$87,040,309$42,680,706$555,814,971
97$935,786,810$91,155,196$43,960,422$610,543,772
98$1,031,082,249$95,466,986$45,278,281$670,774,011
99$1,136,092,946$99,985,176$46,635,411$737,063,340
100$1,251,809,704$104,719,727$48,032,975$810,026,138