Can I retire at age 52 with 11,500,000?

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 $11,500,000?

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 years$949,659$941,200$932,947$924,892$917,026$898,144
2 years$470,128$461,373$452,887$444,660$436,679$417,741
3 years$310,306$301,512$293,048$284,898$277,047$258,645
4 years$230,410$221,643$213,264$205,253$197,592$179,867
5 years$182,485$173,771$165,501$157,654$150,207$133,209
6 years$150,546$141,897$133,750$126,077$118,853$102,601
7 years$127,741$119,165$111,147$103,655$96,660$81,157
8 years$110,645$102,146$94,261$86,953$80,188$65,430
9 years$97,355$88,937$81,187$74,065$67,530$53,506
10 years$86,729$78,393$70,781$63,845$57,539$44,235
11 years$78,041$69,789$62,314$55,564$49,486$36,886
12 years$70,806$62,639$55,302$48,737$42,883$30,969
13 years$64,689$56,607$49,409$43,028$37,395$26,145
14 years$59,451$51,454$44,394$38,195$32,780$22,174
15 years$54,914$47,005$40,082$34,063$28,862$18,876
16 years$50,949$43,126$36,340$30,500$25,509$16,120
17 years$47,454$39,717$33,068$27,404$22,618$13,802
18 years$44,351$36,701$30,187$24,697$20,111$11,843
19 years$41,578$34,014$27,635$22,315$17,925$10,182
20 years$39,085$31,607$25,362$20,211$16,011$8,767
21 years$36,832$29,441$23,328$18,343$14,328$7,559
22 years$34,787$27,482$21,500$16,678$12,843$6,526
23 years$32,923$25,703$19,852$15,189$11,529$5,639
24 years$31,216$24,082$18,359$13,853$10,362$4,877
25 years$29,649$22,600$17,005$12,651$9,324$4,221
26 years$28,204$21,240$15,771$11,568$8,399$3,655
27 years$26,869$19,990$14,645$10,588$7,572$3,167
28 years$25,631$18,836$13,614$9,701$6,833$2,746
29 years$24,481$17,770$12,669$8,896$6,170$2,381
30 years$23,409$16,782$11,801$8,164$5,575$2,066
31 years$22,408$15,864$11,002$7,498$5,040$1,793
32 years$21,472$15,011$10,265$6,891$4,559$1,556
33 years$20,595$14,215$9,584$6,337$4,126$1,351
34 years$19,771$13,473$8,955$5,831$3,736$1,173
35 years$18,995$12,779$8,372$5,367$3,384$1,019
36 years$18,265$12,129$7,832$4,943$3,066$885
37 years$17,575$11,520$7,331$4,555$2,779$769
38 years$16,923$10,948$6,865$4,198$2,519$668
39 years$16,307$10,410$6,432$3,871$2,284$581
40 years$15,722$9,905$6,028$3,570$2,072$505
41 years$15,168$9,428$5,653$3,294$1,880$439
42 years$14,641$8,979$5,302$3,040$1,706$381
43 years$14,140$8,555$4,976$2,806$1,548$332
44 years$13,664$8,155$4,670$2,591$1,405$288
45 years$13,209$7,777$4,385$2,393$1,276$251
46 years$12,776$7,419$4,119$2,210$1,158$218
47 years$12,363$7,080$3,870$2,042$1,052$189
48 years$11,967$6,758$3,636$1,887$955$165
49 years$11,590$6,454$3,418$1,744$867$143
50 years$11,228$6,165$3,213$1,612$788$124

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $11,500,000, adding $4,992 every year, while hoping to spend $23,412 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: 70/12/18 Blend
51$11,500,000$11,500,000$11,500,000$11,500,000
52$12,678,149$12,068,649$11,890,399$13,510,668
53$13,946,410$12,635,103$12,263,817$14,632,281
54$15,343,249$13,228,528$12,648,960$15,856,216
55$16,881,756$13,850,222$13,046,196$17,195,245
56$18,576,356$14,501,543$13,455,905$18,660,735
57$20,442,945$15,183,919$13,878,477$20,265,202
58$22,499,036$15,898,842$14,314,318$22,022,419
59$24,763,933$16,647,880$14,763,842$23,947,550
60$27,258,904$17,432,677$15,227,481$26,057,291
61$30,007,387$18,254,953$15,705,677$28,370,019
62$33,035,210$19,116,515$16,198,886$30,905,970
63$36,370,834$20,019,256$16,707,581$33,687,426
64$40,045,621$20,965,162$17,232,247$36,738,920
65$44,094,133$21,956,313$17,773,386$40,087,468
66$48,554,454$22,994,892$18,331,514$43,762,820
67$53,468,554$24,083,187$18,907,165$47,797,738
68$58,882,681$25,223,598$19,500,890$52,228,301
69$64,847,799$26,418,639$20,113,254$57,094,248
70$71,420,070$27,670,948$20,744,844$62,439,341
71$78,661,384$28,983,291$21,396,263$68,311,782
72$86,639,940$30,358,568$22,068,133$74,764,662
73$95,430,895$31,799,818$22,761,096$81,856,459
74$105,117,068$33,310,231$23,475,815$89,651,584
75$115,789,726$34,893,149$24,212,971$98,220,989
76$127,549,442$36,552,078$24,973,270$107,642,828
77$140,507,048$38,290,692$25,757,437$118,003,194
78$154,784,678$40,112,848$26,566,223$129,396,926
79$170,516,922$42,022,584$27,400,398$141,928,501
80$187,852,098$44,024,141$28,260,762$155,713,012
81$206,953,650$46,121,961$29,148,134$170,877,251
82$228,001,689$48,320,704$30,063,364$187,560,902
83$251,194,699$50,625,257$31,007,325$205,917,853
84$276,751,407$53,040,743$31,980,919$226,117,643
85$304,912,847$55,572,536$32,985,076$248,347,054
86$335,944,637$58,226,270$34,020,756$272,811,872
87$370,139,486$61,007,853$35,088,947$299,738,822
88$407,819,957$63,923,481$36,190,670$329,377,698
89$449,341,513$66,979,652$37,326,978$362,003,718
90$495,095,871$70,183,179$38,498,955$397,920,112
91$545,514,702$73,541,206$39,707,722$437,460,979
92$601,073,703$77,061,227$40,954,432$480,994,431
93$662,297,093$80,751,099$42,240,278$528,926,060
94$729,762,555$84,619,061$43,566,485$581,702,757
95$804,106,695$88,673,755$44,934,323$639,816,924
96$886,031,052$92,924,243$46,345,096$703,811,110
97$976,308,715$97,380,026$47,800,152$774,283,126
98$1,075,791,628$102,051,072$49,300,882$851,891,673
99$1,185,418,631$106,947,831$50,848,718$937,362,554
100$1,306,224,319$112,081,263$52,445,138$1,031,495,513