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%15.8%
1 years$949,659$941,200$932,947$924,892$917,026$895,221
2 years$470,128$461,373$452,887$444,660$436,679$414,838
3 years$310,306$301,512$293,048$284,898$277,047$255,853
4 years$230,410$221,643$213,264$205,253$197,592$177,208
5 years$182,485$173,771$165,501$157,654$150,207$130,689
6 years$150,546$141,897$133,750$126,077$118,853$100,223
7 years$127,741$119,165$111,147$103,655$96,660$78,919
8 years$110,645$102,146$94,261$86,953$80,188$63,330
9 years$97,355$88,937$81,187$74,065$67,530$51,540
10 years$86,729$78,393$70,781$63,845$57,539$42,400
11 years$78,041$69,789$62,314$55,564$49,486$35,176
12 years$70,806$62,639$55,302$48,737$42,883$29,380
13 years$64,689$56,607$49,409$43,028$37,395$24,672
14 years$59,451$51,454$44,394$38,195$32,780$20,810
15 years$54,914$47,005$40,082$34,063$28,862$17,617
16 years$50,949$43,126$36,340$30,500$25,509$14,959
17 years$47,454$39,717$33,068$27,404$22,618$12,734
18 years$44,351$36,701$30,187$24,697$20,111$10,864
19 years$41,578$34,014$27,635$22,315$17,925$9,284
20 years$39,085$31,607$25,362$20,211$16,011$7,946
21 years$36,832$29,441$23,328$18,343$14,328$6,810
22 years$34,787$27,482$21,500$16,678$12,843$5,842
23 years$32,923$25,703$19,852$15,189$11,529$5,017
24 years$31,216$24,082$18,359$13,853$10,362$4,311
25 years$29,649$22,600$17,005$12,651$9,324$3,708
26 years$28,204$21,240$15,771$11,568$8,399$3,190
27 years$26,869$19,990$14,645$10,588$7,572$2,747
28 years$25,631$18,836$13,614$9,701$6,833$2,366
29 years$24,481$17,770$12,669$8,896$6,170$2,038
30 years$23,409$16,782$11,801$8,164$5,575$1,757
31 years$22,408$15,864$11,002$7,498$5,040$1,514
32 years$21,472$15,011$10,265$6,891$4,559$1,306
33 years$20,595$14,215$9,584$6,337$4,126$1,126
34 years$19,771$13,473$8,955$5,831$3,736$972
35 years$18,995$12,779$8,372$5,367$3,384$838
36 years$18,265$12,129$7,832$4,943$3,066$723
37 years$17,575$11,520$7,331$4,555$2,779$624
38 years$16,923$10,948$6,865$4,198$2,519$539
39 years$16,307$10,410$6,432$3,871$2,284$465
40 years$15,722$9,905$6,028$3,570$2,072$401
41 years$15,168$9,428$5,653$3,294$1,880$346
42 years$14,641$8,979$5,302$3,040$1,706$299
43 years$14,140$8,555$4,976$2,806$1,548$258
44 years$13,664$8,155$4,670$2,591$1,405$223
45 years$13,209$7,777$4,385$2,393$1,276$192
46 years$12,776$7,419$4,119$2,210$1,158$166
47 years$12,363$7,080$3,870$2,042$1,052$143
48 years$11,967$6,758$3,636$1,887$955$124
49 years$11,590$6,454$3,418$1,744$867$107
50 years$11,228$6,165$3,213$1,612$788$92

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 $2,398 every year, while hoping to spend $28,893 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: 46/48/6 Blend
51$11,500,000$11,500,000$11,500,000$11,500,000
52$12,675,474$12,065,974$11,887,724$13,237,889
53$13,937,630$12,626,464$12,255,220$14,185,114
54$15,327,558$13,213,451$12,634,060$15,208,818
55$16,858,260$13,828,201$13,024,592$16,318,589
56$18,544,063$14,472,043$13,427,176$17,522,383
57$20,400,755$15,146,371$13,842,184$18,828,926
58$22,445,733$15,852,644$14,269,999$20,247,798
59$24,698,168$16,592,395$14,711,014$21,789,511
60$27,179,186$17,367,226$15,165,638$23,465,607
61$29,912,064$18,178,821$15,634,287$25,288,760
62$32,922,454$19,028,943$16,117,396$27,272,888
63$36,238,624$19,919,441$16,615,409$29,433,279
64$39,891,723$20,852,253$17,128,784$31,786,728
65$43,916,076$21,829,411$17,657,995$34,351,686
66$48,349,508$22,853,044$18,203,531$37,148,432
67$53,233,701$23,925,387$18,765,892$40,199,250
68$58,614,587$25,048,779$19,345,597$43,528,634
69$64,542,781$26,225,675$19,943,181$47,163,513
70$71,074,060$27,458,648$20,559,193$51,133,490
71$78,269,889$28,750,397$21,194,201$55,471,117
72$86,198,000$30,103,749$21,848,789$60,212,188
73$94,933,033$31,521,670$22,523,561$65,396,072
74$104,557,239$33,007,268$23,219,136$71,066,066
75$115,161,256$34,563,803$23,936,156$77,269,797
76$126,844,967$36,194,692$24,675,280$84,059,662
77$139,718,441$37,903,519$25,437,189$91,493,300
78$153,902,970$39,694,040$26,222,583$99,634,135
79$169,532,219$41,570,193$27,032,185$108,551,950
80$186,753,482$43,536,110$27,866,740$118,323,539
81$205,729,076$45,596,119$28,727,016$129,033,411
82$226,637,874$47,754,760$29,613,803$140,774,575
83$249,676,989$50,016,795$30,527,917$153,649,399
84$275,063,637$52,387,214$31,470,198$167,770,561
85$303,037,192$54,871,251$32,441,513$183,262,092
86$333,861,436$57,474,393$33,442,754$200,260,529
87$367,827,059$60,202,394$34,474,843$218,916,180
88$405,254,395$63,061,288$35,538,726$239,394,529
89$446,496,452$66,057,400$36,635,383$261,877,766
90$491,942,242$69,197,364$37,765,819$286,566,493
91$542,020,452$72,488,136$38,931,075$313,681,587
92$597,203,492$75,937,009$40,132,220$343,466,261
93$658,011,956$79,551,630$41,370,358$376,188,334
94$725,019,535$83,340,020$42,646,624$412,142,730
95$798,858,434$87,310,587$43,962,193$451,654,233
96$880,225,338$91,472,149$45,318,270$495,080,523
97$969,887,992$95,833,954$46,716,101$542,815,516
98$1,068,692,445$100,405,696$48,156,969$595,293,057
99$1,177,571,044$105,197,544$49,642,196$652,990,969
100$1,297,551,226$110,220,160$51,173,146$716,435,537