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

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 $11,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$949,659$941,200$932,947$924,892$917,026$903,322
2 years$470,128$461,373$452,887$444,660$436,679$422,904
3 years$310,306$301,512$293,048$284,898$277,047$263,629
4 years$230,410$221,643$213,264$205,253$197,592$184,634
5 years$182,485$173,771$165,501$157,654$150,207$137,746
6 years$150,546$141,897$133,750$126,077$118,853$106,905
7 years$127,741$119,165$111,147$103,655$96,660$85,228
8 years$110,645$102,146$94,261$86,953$80,188$69,271
9 years$97,355$88,937$81,187$74,065$67,530$57,122
10 years$86,729$78,393$70,781$63,845$57,539$47,632
11 years$78,041$69,789$62,314$55,564$49,486$40,070
12 years$70,806$62,639$55,302$48,737$42,883$33,947
13 years$64,689$56,607$49,409$43,028$37,395$28,926
14 years$59,451$51,454$44,394$38,195$32,780$24,765
15 years$54,914$47,005$40,082$34,063$28,862$21,287
16 years$50,949$43,126$36,340$30,500$25,509$18,357
17 years$47,454$39,717$33,068$27,404$22,618$15,876
18 years$44,351$36,701$30,187$24,697$20,111$13,762
19 years$41,578$34,014$27,635$22,315$17,925$11,954
20 years$39,085$31,607$25,362$20,211$16,011$10,402
21 years$36,832$29,441$23,328$18,343$14,328$9,065
22 years$34,787$27,482$21,500$16,678$12,843$7,910
23 years$32,923$25,703$19,852$15,189$11,529$6,909
24 years$31,216$24,082$18,359$13,853$10,362$6,042
25 years$29,649$22,600$17,005$12,651$9,324$5,287
26 years$28,204$21,240$15,771$11,568$8,399$4,630
27 years$26,869$19,990$14,645$10,588$7,572$4,058
28 years$25,631$18,836$13,614$9,701$6,833$3,558
29 years$24,481$17,770$12,669$8,896$6,170$3,121
30 years$23,409$16,782$11,801$8,164$5,575$2,739
31 years$22,408$15,864$11,002$7,498$5,040$2,405
32 years$21,472$15,011$10,265$6,891$4,559$2,112
33 years$20,595$14,215$9,584$6,337$4,126$1,855
34 years$19,771$13,473$8,955$5,831$3,736$1,630
35 years$18,995$12,779$8,372$5,367$3,384$1,433
36 years$18,265$12,129$7,832$4,943$3,066$1,259
37 years$17,575$11,520$7,331$4,555$2,779$1,107
38 years$16,923$10,948$6,865$4,198$2,519$974
39 years$16,307$10,410$6,432$3,871$2,284$856
40 years$15,722$9,905$6,028$3,570$2,072$753
41 years$15,168$9,428$5,653$3,294$1,880$663
42 years$14,641$8,979$5,302$3,040$1,706$583
43 years$14,140$8,555$4,976$2,806$1,548$513
44 years$13,664$8,155$4,670$2,591$1,405$451
45 years$13,209$7,777$4,385$2,393$1,276$397
46 years$12,776$7,419$4,119$2,210$1,158$349
47 years$12,363$7,080$3,870$2,042$1,052$307
48 years$11,967$6,758$3,636$1,887$955$271
49 years$11,590$6,454$3,418$1,744$867$238
50 years$11,228$6,165$3,213$1,612$788$210

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 $6,877 every year, while hoping to spend $31,749 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: 56/19/25 Blend
51$11,500,000$11,500,000$11,500,000$11,500,000
52$12,680,094$12,070,594$11,892,344$13,303,083
53$13,939,682$12,628,272$12,256,956$14,288,816
54$15,326,685$13,212,213$12,632,720$15,358,316
55$16,854,065$13,823,669$13,019,973$16,522,900
56$18,536,105$14,463,954$13,419,068$17,791,737
57$20,388,545$15,134,445$13,830,364$19,174,906
58$22,428,730$15,836,586$14,254,234$20,683,496
59$24,675,770$16,571,889$14,691,062$22,329,701
60$27,150,728$17,341,940$15,141,241$24,126,937
61$29,876,808$18,148,402$15,605,179$26,089,961
62$32,879,586$18,993,016$16,083,295$28,235,010
63$36,187,239$19,877,610$16,576,022$30,579,951
64$39,830,823$20,804,098$17,083,804$33,144,444
65$43,844,555$21,774,487$17,607,099$35,950,126
66$48,266,144$22,790,881$18,146,382$39,020,807
67$53,137,143$23,855,487$18,702,137$42,382,696
68$58,503,341$24,970,615$19,274,868$46,064,643
69$64,415,197$26,138,690$19,865,091$50,098,402
70$70,928,314$27,362,253$20,473,339$54,518,932
71$78,103,966$28,643,968$21,100,160$59,364,719
72$86,009,676$29,986,627$21,746,120$64,678,135
73$94,719,849$31,393,158$22,411,802$70,505,831
74$104,316,481$32,866,630$23,097,805$76,899,177
75$114,889,929$34,410,262$23,804,748$83,914,734
76$126,539,764$36,027,427$24,533,269$91,614,786
77$139,375,710$37,721,661$25,284,024$100,067,921
78$153,518,682$39,496,672$26,057,689$109,349,673
79$169,101,928$41,356,349$26,854,961$119,543,226
80$186,272,280$43,304,766$27,676,558$130,740,191
81$205,191,551$45,346,198$28,523,221$143,041,470
82$226,038,051$47,485,123$29,395,711$156,558,191
83$249,008,279$49,726,241$30,294,814$171,412,756
84$274,318,772$52,074,475$31,221,338$187,739,986
85$302,208,152$54,534,990$32,176,118$205,688,385
86$332,939,378$57,113,199$33,160,013$225,421,531
87$366,802,228$59,814,779$34,173,907$247,119,611
88$404,116,034$62,645,682$35,218,711$270,981,114
89$445,232,697$65,612,148$36,295,366$297,224,693
90$490,540,011$68,720,722$37,404,839$326,091,215
91$540,465,318$71,978,263$38,548,128$357,846,029
92$595,479,549$75,391,966$39,726,258$392,781,454
93$656,101,664$78,969,374$40,940,289$431,219,529
94$722,903,556$82,718,396$42,191,311$473,515,038
95$796,515,446$86,647,324$43,480,447$520,058,847
96$877,631,834$90,764,856$44,808,854$571,281,577
97$967,018,056$95,080,108$46,177,726$627,657,660
98$1,065,517,507$99,602,643$47,588,289$689,709,793
99$1,174,059,606$104,342,486$49,041,810$758,013,866
100$1,293,668,567$109,310,149$50,539,592$833,204,375