Can I retire at age 52 with 11,400,000?

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 $11,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$941,401$933,016$924,835$916,849$909,052$889,970
2 years$466,040$457,361$448,949$440,793$432,882$413,747
3 years$307,607$298,890$290,500$282,420$274,638$256,047
4 years$228,406$219,716$211,409$203,468$195,874$177,971
5 years$180,898$172,260$164,062$156,283$148,900$131,735
6 years$149,236$140,663$132,587$124,981$117,820$101,411
7 years$126,630$118,129$110,180$102,754$95,819$80,170
8 years$109,682$101,258$93,442$86,197$79,491$64,597
9 years$96,508$88,163$80,481$73,421$66,943$52,793
10 years$85,975$77,712$70,165$63,290$57,039$43,619
11 years$77,362$69,182$61,772$55,081$49,055$36,349
12 years$70,191$62,094$54,821$48,313$42,510$30,498
13 years$64,127$56,115$48,979$42,653$37,070$25,731
14 years$58,934$51,007$44,008$37,863$32,495$21,808
15 years$54,437$46,596$39,733$33,767$28,611$18,552
16 years$50,506$42,751$36,024$30,235$25,287$15,831
17 years$47,042$39,372$32,781$27,166$22,421$13,545
18 years$43,965$36,381$29,924$24,482$19,936$11,614
19 years$41,216$33,718$27,394$22,121$17,769$9,978
20 years$38,745$31,332$25,141$20,035$15,872$8,585
21 years$36,512$29,185$23,125$18,183$14,203$7,397
22 years$34,485$27,243$21,313$16,533$12,731$6,380
23 years$32,637$25,480$19,679$15,057$11,428$5,509
24 years$30,945$23,873$18,200$13,733$10,272$4,761
25 years$29,391$22,404$16,857$12,541$9,243$4,117
26 years$27,959$21,056$15,634$11,467$8,326$3,563
27 years$26,635$19,816$14,517$10,496$7,507$3,084
28 years$25,408$18,672$13,496$9,617$6,773$2,672
29 years$24,268$17,615$12,559$8,819$6,116$2,315
30 years$23,205$16,636$11,698$8,093$5,526$2,007
31 years$22,214$15,726$10,906$7,433$4,996$1,740
32 years$21,286$14,880$10,175$6,831$4,520$1,509
33 years$20,416$14,092$9,501$6,282$4,090$1,309
34 years$19,599$13,356$8,877$5,780$3,703$1,136
35 years$18,830$12,668$8,299$5,321$3,354$986
36 years$18,106$12,024$7,764$4,900$3,039$856
37 years$17,422$11,420$7,267$4,515$2,754$743
38 years$16,776$10,853$6,805$4,162$2,497$645
39 years$16,165$10,320$6,376$3,837$2,264$560
40 years$15,586$9,819$5,976$3,539$2,054$486
41 years$15,036$9,346$5,603$3,265$1,863$422
42 years$14,514$8,901$5,256$3,014$1,691$367
43 years$14,017$8,481$4,932$2,782$1,535$319
44 years$13,545$8,084$4,630$2,569$1,393$277
45 years$13,095$7,709$4,347$2,372$1,264$240
46 years$12,665$7,354$4,083$2,191$1,148$209
47 years$12,255$7,018$3,836$2,024$1,043$181
48 years$11,863$6,700$3,605$1,871$947$157
49 years$11,489$6,398$3,388$1,729$860$137
50 years$11,130$6,111$3,185$1,598$781$119

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $11,400,000, adding $4,734 every year, while hoping to spend $20,372 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: 49/33/18 Blend
51$11,400,000$11,400,000$11,400,000$11,400,000
52$12,567,683$11,963,483$11,786,783$13,120,039
53$13,827,911$12,528,018$12,159,965$14,067,302
54$15,216,000$13,119,533$12,544,965$15,093,278
55$16,744,969$13,739,327$12,942,159$16,207,386
56$18,429,167$14,388,765$13,351,932$17,417,917
57$20,284,403$15,069,276$13,774,683$18,733,979
58$22,328,101$15,782,359$14,210,823$20,165,573
59$24,579,458$16,529,585$14,660,777$21,723,691
60$27,059,631$17,312,604$15,124,982$23,420,408
61$29,791,934$18,133,142$15,603,889$25,268,995
62$32,802,057$18,993,011$16,097,965$27,284,038
63$36,118,309$19,894,111$16,607,689$29,481,571
64$39,771,889$20,838,435$17,133,559$31,879,222
65$43,797,172$21,828,069$17,676,084$34,496,372
66$48,232,045$22,865,205$18,235,794$37,354,334
67$53,118,252$23,952,139$18,813,231$40,476,546
68$58,501,799$25,091,279$19,408,959$43,888,789
69$64,433,380$26,285,149$20,023,557$47,619,418
70$70,968,860$27,536,397$20,657,622$51,699,628
71$78,169,803$28,847,800$21,311,772$56,163,737
72$86,104,049$30,222,268$21,986,642$61,049,503
73$94,846,358$31,662,854$22,682,890$66,398,474
74$104,479,112$33,172,760$23,401,193$72,256,370
75$115,093,097$34,755,341$24,142,248$78,673,505
76$126,788,358$36,414,118$24,906,779$85,705,254
77$139,675,142$38,152,782$25,695,528$93,412,564
78$153,874,941$39,975,202$26,509,262$101,862,522
79$169,521,637$41,885,439$27,348,775$111,128,973
80$186,762,767$43,887,748$28,214,881$121,293,210
81$205,760,914$45,986,593$29,108,425$132,444,726
82$226,695,246$48,186,654$30,030,275$144,682,051
83$249,763,201$50,492,840$30,981,329$158,113,663
84$275,182,356$52,910,298$31,962,512$172,859,004
85$303,192,478$55,444,425$32,974,779$189,049,590
86$334,057,792$58,100,882$34,019,115$206,830,239
87$368,069,467$60,885,606$35,096,536$226,360,421
88$405,548,374$63,804,822$36,208,090$247,815,749
89$446,848,107$66,865,057$37,354,860$271,389,620
90$492,358,327$70,073,158$38,537,962$297,295,021
91$542,508,439$73,436,306$39,758,546$325,766,519
92$597,771,644$76,962,029$41,017,801$357,062,464
93$658,669,407$80,658,223$42,316,953$391,467,396
94$725,776,381$84,533,171$43,657,265$429,294,719
95$799,725,831$88,595,555$45,040,043$470,889,632
96$881,215,613$92,854,485$46,466,632$516,632,368
97$971,014,762$97,319,511$47,938,421$566,941,755
98$1,069,970,752$102,000,651$49,456,842$622,279,145
99$1,179,017,496$106,908,411$51,023,373$683,152,746
100$1,299,184,164$112,053,806$52,639,540$750,122,386