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

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 $11,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$941,401$933,016$924,835$916,849$909,052$890,698
2 years$466,040$457,361$448,949$440,793$432,882$414,471
3 years$307,607$298,890$290,500$282,420$274,638$256,744
4 years$228,406$219,716$211,409$203,468$195,874$178,636
5 years$180,898$172,260$164,062$156,283$148,900$132,366
6 years$149,236$140,663$132,587$124,981$117,820$102,008
7 years$126,630$118,129$110,180$102,754$95,819$80,733
8 years$109,682$101,258$93,442$86,197$79,491$65,126
9 years$96,508$88,163$80,481$73,421$66,943$53,289
10 years$85,975$77,712$70,165$63,290$57,039$44,083
11 years$77,362$69,182$61,772$55,081$49,055$36,782
12 years$70,191$62,094$54,821$48,313$42,510$30,902
13 years$64,127$56,115$48,979$42,653$37,070$26,106
14 years$58,934$51,007$44,008$37,863$32,495$22,156
15 years$54,437$46,596$39,733$33,767$28,611$18,874
16 years$50,506$42,751$36,024$30,235$25,287$16,129
17 years$47,042$39,372$32,781$27,166$22,421$13,820
18 years$43,965$36,381$29,924$24,482$19,936$11,867
19 years$41,216$33,718$27,394$22,121$17,769$10,210
20 years$38,745$31,332$25,141$20,035$15,872$8,798
21 years$36,512$29,185$23,125$18,183$14,203$7,592
22 years$34,485$27,243$21,313$16,533$12,731$6,559
23 years$32,637$25,480$19,679$15,057$11,428$5,672
24 years$30,945$23,873$18,200$13,733$10,272$4,909
25 years$29,391$22,404$16,857$12,541$9,243$4,252
26 years$27,959$21,056$15,634$11,467$8,326$3,685
27 years$26,635$19,816$14,517$10,496$7,507$3,196
28 years$25,408$18,672$13,496$9,617$6,773$2,773
29 years$24,268$17,615$12,559$8,819$6,116$2,407
30 years$23,205$16,636$11,698$8,093$5,526$2,090
31 years$22,214$15,726$10,906$7,433$4,996$1,815
32 years$21,286$14,880$10,175$6,831$4,520$1,577
33 years$20,416$14,092$9,501$6,282$4,090$1,370
34 years$19,599$13,356$8,877$5,780$3,703$1,191
35 years$18,830$12,668$8,299$5,321$3,354$1,035
36 years$18,106$12,024$7,764$4,900$3,039$900
37 years$17,422$11,420$7,267$4,515$2,754$783
38 years$16,776$10,853$6,805$4,162$2,497$681
39 years$16,165$10,320$6,376$3,837$2,264$592
40 years$15,586$9,819$5,976$3,539$2,054$515
41 years$15,036$9,346$5,603$3,265$1,863$448
42 years$14,514$8,901$5,256$3,014$1,691$390
43 years$14,017$8,481$4,932$2,782$1,535$339
44 years$13,545$8,084$4,630$2,569$1,393$295
45 years$13,095$7,709$4,347$2,372$1,264$257
46 years$12,665$7,354$4,083$2,191$1,148$223
47 years$12,255$7,018$3,836$2,024$1,043$194
48 years$11,863$6,700$3,605$1,871$947$169
49 years$11,489$6,398$3,388$1,729$860$147
50 years$11,130$6,111$3,185$1,598$781$128

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 $6,594 every year, while hoping to spend $57,644 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: 84/7/9 Blend
51$11,400,000$11,400,000$11,400,000$11,400,000
52$12,569,602$11,965,402$11,788,702$13,609,948
53$13,790,368$12,490,374$12,122,290$14,815,841
54$15,133,721$13,039,137$12,465,122$16,131,718
55$16,612,103$13,612,797$12,817,446$17,575,306
56$18,239,224$14,212,511$13,179,518$19,159,404
57$20,030,192$14,839,491$13,551,598$20,898,110
58$22,001,651$15,495,005$13,933,956$22,806,951
59$24,171,942$16,180,383$14,326,866$24,903,028
60$26,561,276$16,897,018$14,730,613$27,205,179
61$29,191,922$17,646,368$15,145,484$29,734,150
62$32,088,418$18,429,960$15,571,777$32,512,797
63$35,277,802$19,249,393$16,009,797$35,566,295
64$38,789,869$20,106,345$16,459,857$38,922,376
65$42,657,449$21,002,569$16,922,276$42,611,590
66$46,916,720$21,939,906$17,397,382$46,667,590
67$51,607,544$22,920,280$17,885,514$51,127,451
68$56,773,851$23,945,711$18,387,015$56,032,017
69$62,464,044$25,018,311$18,902,241$61,426,283
70$68,731,463$26,140,295$19,431,553$67,359,822
71$75,634,887$27,313,984$19,975,324$73,887,247
72$83,239,082$28,541,806$20,533,935$81,068,728
73$91,615,424$29,826,309$21,107,776$88,970,557
74$100,842,559$31,170,161$21,697,249$97,665,772
75$111,007,157$32,576,156$22,302,763$107,234,842
76$122,204,721$34,047,222$22,924,740$117,766,430
77$134,540,495$35,586,427$23,563,611$129,358,220
78$148,130,450$37,196,987$24,219,817$142,117,845
79$163,102,386$38,882,269$24,893,810$156,163,894
80$179,597,131$40,645,803$25,586,056$171,627,035
81$197,769,878$42,491,286$26,297,028$188,651,239
82$217,791,641$44,422,594$27,027,213$207,395,142
83$239,850,874$46,443,787$27,777,111$228,033,539
84$264,155,250$48,559,120$28,547,231$250,759,027
85$290,933,620$50,773,051$29,338,098$275,783,825
86$320,438,172$53,090,253$30,150,246$303,341,773
87$352,946,811$55,515,621$30,984,225$333,690,533
88$388,765,786$58,054,287$31,840,597$367,114,022
89$428,232,575$60,711,627$32,719,937$403,925,087
90$471,719,077$63,493,275$33,622,833$444,468,455
91$519,635,116$66,405,138$34,549,891$489,123,982
92$572,432,312$69,453,405$35,501,727$538,310,239
93$630,608,346$72,644,560$36,478,973$592,488,452
94$694,711,656$75,985,402$37,482,277$652,166,859
95$765,346,613$79,483,055$38,512,302$717,905,502
96$843,179,228$83,144,985$39,569,725$790,321,504
97$928,943,439$86,979,019$40,655,240$870,094,896
98$1,023,448,037$90,993,358$41,769,558$957,975,030
99$1,127,584,304$95,196,600$42,913,405$1,054,787,647
100$1,242,334,424$99,597,754$44,087,524$1,161,442,667