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

Use the below retirement simulation to view the chances of a successful retirement.
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%13.2%
1 years$924,886$916,647$908,609$900,764$893,104$881,213
2 years$457,864$449,337$441,073$433,060$425,287$413,327
3 years$302,211$293,647$285,403$277,466$269,820$258,161
4 years$224,399$215,861$207,700$199,898$192,438$181,171
5 years$177,725$169,238$161,184$153,541$146,288$135,445
6 years$146,618$138,195$130,261$122,788$115,753$105,347
7 years$124,408$116,056$108,247$100,951$94,138$84,174
8 years$107,758$99,482$91,802$84,685$78,097$68,572
9 years$94,815$86,617$79,069$72,133$65,769$56,680
10 years$84,467$76,348$68,934$62,179$56,038$47,378
11 years$76,005$67,969$60,689$54,115$48,195$39,956
12 years$68,959$61,005$53,860$47,466$41,764$33,937
13 years$63,002$55,131$48,120$41,905$36,419$28,994
14 years$57,900$50,112$43,236$37,199$31,925$24,889
15 years$53,482$45,778$39,036$33,175$28,109$21,452
16 years$49,620$42,001$35,392$29,704$24,843$18,551
17 years$46,216$38,681$32,205$26,689$22,028$16,089
18 years$43,194$35,743$29,399$24,052$19,586$13,987
19 years$40,493$33,126$26,914$21,733$17,457$12,185
20 years$38,065$30,783$24,700$19,684$15,593$10,635
21 years$35,871$28,673$22,719$17,864$13,954$9,295
22 years$33,880$26,765$20,939$16,243$12,508$8,136
23 years$32,064$25,033$19,334$14,793$11,228$7,129
24 years$30,402$23,454$17,881$13,492$10,092$6,253
25 years$28,875$22,010$16,561$12,321$9,081$5,489
26 years$27,468$20,686$15,359$11,266$8,180$4,823
27 years$26,168$19,468$14,263$10,312$7,375$4,240
28 years$24,962$18,345$13,259$9,448$6,655$3,730
29 years$23,842$17,306$12,339$8,664$6,009$3,282
30 years$22,798$16,344$11,493$7,951$5,429$2,890
31 years$21,824$15,450$10,715$7,303$4,909$2,546
32 years$20,912$14,619$9,997$6,711$4,440$2,243
33 years$20,058$13,845$9,334$6,172$4,018$1,977
34 years$19,255$13,122$8,721$5,679$3,638$1,743
35 years$18,500$12,446$8,154$5,227$3,295$1,537
36 years$17,788$11,813$7,628$4,814$2,986$1,356
37 years$17,117$11,219$7,139$4,436$2,706$1,196
38 years$16,482$10,662$6,686$4,089$2,453$1,055
39 years$15,881$10,139$6,264$3,770$2,225$931
40 years$15,312$9,646$5,871$3,477$2,018$822
41 years$14,772$9,182$5,505$3,208$1,831$726
42 years$14,259$8,745$5,164$2,961$1,661$640
43 years$13,771$8,332$4,846$2,733$1,508$565
44 years$13,307$7,942$4,549$2,524$1,368$499
45 years$12,865$7,574$4,271$2,331$1,242$441
46 years$12,443$7,225$4,011$2,153$1,128$389
47 years$12,040$6,895$3,769$1,989$1,024$344
48 years$11,655$6,582$3,541$1,838$930$303
49 years$11,287$6,286$3,329$1,698$845$268
50 years$10,935$6,004$3,130$1,570$767$237

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 $4,014 every year, while hoping to spend $50,924 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: 72/22/6 Blend
51$11,200,000$11,200,000$11,200,000$11,200,000
52$12,346,540$11,752,940$11,579,340$13,226,261
53$13,551,705$12,274,652$11,913,066$14,328,610
54$14,878,089$12,820,220$12,256,264$15,528,352
55$16,338,004$13,390,761$12,609,199$16,840,414
56$17,945,015$13,987,442$12,972,141$18,275,845
57$19,714,067$14,611,488$13,345,368$19,846,804
58$21,661,631$15,264,179$13,729,167$21,566,673
59$23,805,852$15,946,860$14,123,830$23,450,178
60$26,166,729$16,660,936$14,529,658$25,513,529
61$28,766,295$17,407,881$14,946,960$27,774,569
62$31,628,829$18,189,239$15,376,055$30,252,936
63$34,781,085$19,006,627$15,817,269$32,970,253
64$38,252,543$19,861,740$16,270,935$35,950,323
65$42,075,690$20,756,352$16,737,399$39,219,352
66$46,286,322$21,692,325$17,217,013$42,806,193
67$50,923,884$22,671,606$17,710,140$46,742,618
68$56,031,842$23,696,236$18,217,152$51,063,607
69$61,658,094$24,768,356$18,738,431$55,807,684
70$67,855,421$25,890,207$19,274,369$61,017,266
71$74,681,983$27,064,136$19,825,370$66,739,070
72$82,201,872$28,292,606$20,391,846$73,024,541
73$90,485,713$29,578,193$20,974,223$79,930,338
74$99,611,332$30,923,601$21,572,936$87,518,863
75$109,664,490$32,331,660$22,188,432$95,858,842
76$120,739,694$33,805,337$22,821,170$105,025,974
77$132,941,086$35,347,741$23,471,622$115,103,637
78$146,383,426$36,962,131$24,140,271$126,183,670
79$161,193,180$38,651,919$24,827,615$138,367,232
80$177,509,706$40,420,685$25,534,161$151,765,754
81$195,486,574$42,272,177$26,260,434$166,501,984
82$215,293,015$44,210,324$27,006,969$182,711,136
83$237,115,518$46,239,245$27,774,318$200,542,162
84$261,159,589$48,363,256$28,563,046$220,159,151
85$287,651,691$50,586,880$29,373,731$241,742,868
86$316,841,383$52,914,856$30,206,971$265,492,453
87$349,003,673$55,352,154$31,063,374$291,627,296
88$384,441,619$57,903,980$31,943,568$320,389,093
89$423,489,181$60,575,792$32,848,194$352,044,123
90$466,514,382$63,373,310$33,777,913$386,885,751
91$513,922,776$66,302,530$34,733,400$425,237,186
92$566,161,280$69,369,735$35,715,350$467,454,523
93$623,722,391$72,581,512$36,724,475$513,930,094
94$687,148,834$75,944,765$37,761,504$565,096,157
95$757,038,686$79,466,730$38,827,186$621,428,969
96$834,051,025$83,154,993$39,922,289$683,453,265
97$918,912,146$87,017,504$41,047,603$751,747,203
98$1,012,422,421$91,062,597$42,203,933$826,947,802
99$1,115,463,852$95,299,009$43,392,109$909,756,947
100$1,229,008,402$99,735,897$44,612,981$1,000,947,999