Can I retire at age 52 with 11,600,000?

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 $11,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$957,917$949,385$941,060$932,934$925,000$893,960
2 years$474,216$465,385$456,825$448,526$440,476$409,510
3 years$313,004$304,134$295,596$287,375$279,456$249,536
4 years$232,413$223,571$215,118$207,038$199,311$170,665
5 years$184,072$175,282$166,941$159,025$151,513$124,219
6 years$151,855$143,131$134,913$127,173$119,887$93,966
7 years$128,851$120,201$112,113$104,556$97,500$72,949
8 years$111,607$103,035$95,081$87,710$80,886$57,685
9 years$98,201$89,710$81,893$74,709$68,118$46,240
10 years$87,483$79,075$71,396$64,400$58,040$37,449
11 years$78,720$70,396$62,856$56,047$49,916$30,574
12 years$71,422$63,184$55,783$49,161$43,256$25,118
13 years$65,252$57,100$49,839$43,402$37,720$20,740
14 years$59,968$51,902$44,780$38,527$33,065$17,194
15 years$55,392$47,413$40,431$34,360$29,113$14,302
16 years$51,392$43,501$36,656$30,765$25,730$11,928
17 years$47,867$40,063$33,356$27,642$22,814$9,971
18 years$44,737$37,020$30,449$24,911$20,285$8,350
19 years$41,939$34,309$27,875$22,509$18,081$7,003
20 years$39,425$31,882$25,582$20,387$16,150$5,880
21 years$37,153$29,697$23,531$18,502$14,453$4,943
22 years$35,090$27,721$21,687$16,823$12,955$4,159
23 years$33,209$25,927$20,024$15,321$11,629$3,502
24 years$31,488$24,292$18,519$13,973$10,452$2,951
25 years$29,907$22,797$17,152$12,761$9,405$2,487
26 years$28,449$21,425$15,908$11,668$8,472$2,097
27 years$27,102$20,164$14,772$10,680$7,638$1,770
28 years$25,854$19,000$13,732$9,785$6,892$1,493
29 years$24,694$17,924$12,779$8,973$6,223$1,261
30 years$23,613$16,928$11,903$8,235$5,623$1,064
31 years$22,603$16,002$11,097$7,564$5,084$899
32 years$21,659$15,141$10,354$6,951$4,599$759
33 years$20,774$14,339$9,667$6,392$4,162$641
34 years$19,943$13,590$9,033$5,881$3,768$542
35 years$19,160$12,890$8,445$5,414$3,413$458
36 years$18,423$12,235$7,900$4,986$3,092$387
37 years$17,728$11,620$7,394$4,594$2,803$327
38 years$17,071$11,043$6,924$4,235$2,541$276
39 years$16,449$10,501$6,487$3,904$2,304$233
40 years$15,859$9,991$6,081$3,601$2,090$197
41 years$15,300$9,510$5,702$3,323$1,896$167
42 years$14,768$9,057$5,348$3,066$1,720$141
43 years$14,263$8,630$5,019$2,831$1,561$119
44 years$13,782$8,226$4,711$2,614$1,417$101
45 years$13,324$7,844$4,423$2,414$1,287$85
46 years$12,887$7,483$4,155$2,230$1,168$72
47 years$12,470$7,141$3,903$2,060$1,061$61
48 years$12,072$6,817$3,668$1,903$963$51
49 years$11,690$6,510$3,448$1,759$875$43
50 years$11,326$6,219$3,241$1,626$795$37

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $11,600,000, adding $5,914 every year, while hoping to spend $54,007 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: 37/39/24 Blend
51$11,600,000$11,600,000$11,600,000$11,600,000
52$12,789,300$12,174,500$11,994,700$13,170,189
53$14,036,346$12,713,588$12,339,060$13,988,745
54$15,408,780$13,277,280$12,693,145$14,866,898
55$16,919,335$13,866,727$13,057,225$15,814,388
56$18,582,041$14,483,130$13,431,576$16,837,496
57$20,412,357$15,127,751$13,816,481$17,943,110
58$22,427,316$15,801,909$14,212,231$19,138,789
59$24,645,686$16,506,987$14,619,126$20,432,825
60$27,088,150$17,244,434$15,037,470$21,834,320
61$29,777,497$18,015,766$15,467,581$23,353,264
62$32,738,837$18,822,574$15,909,780$25,000,628
63$35,999,841$19,666,522$16,364,400$26,788,456
64$39,590,998$20,549,356$16,831,782$28,729,981
65$43,545,908$21,472,903$17,312,275$30,839,735
66$47,901,593$22,439,077$17,806,238$33,133,686
67$52,698,849$23,449,885$18,314,040$35,629,382
68$57,982,630$24,507,428$18,836,059$38,346,105
69$63,802,475$25,613,908$19,372,683$41,305,052
70$70,212,970$26,771,633$19,924,312$44,529,523
71$77,274,270$27,983,020$20,491,353$48,045,136
72$85,052,659$29,250,601$21,074,226$51,880,057
73$93,621,180$30,577,031$21,673,363$56,065,264
74$103,060,325$31,965,090$22,289,206$60,634,822
75$113,458,791$33,417,692$22,922,207$65,626,201
76$124,914,320$34,937,891$23,572,832$71,080,620
77$137,534,618$36,528,885$24,241,560$77,043,423
78$151,438,376$38,194,028$24,928,880$83,564,498
79$166,756,388$39,936,832$25,635,294$90,698,737
80$183,632,782$41,760,980$26,361,319$98,506,541
81$202,226,387$43,670,329$27,107,485$107,054,382
82$222,712,226$45,668,923$27,874,333$116,415,411
83$245,283,171$47,760,998$28,662,421$126,670,143
84$270,151,763$49,950,995$29,472,320$137,907,198
85$297,552,217$52,243,568$30,304,617$150,224,124
86$327,742,634$54,643,594$31,159,913$163,728,304
87$361,007,437$57,156,184$32,038,824$178,537,952
88$397,660,053$59,786,695$32,941,982$194,783,214
89$438,045,877$62,540,741$33,870,037$212,607,381
90$482,545,527$65,424,208$34,823,654$232,168,217
91$531,578,438$68,443,261$35,803,514$253,639,436
92$585,606,824$71,604,367$36,810,317$277,212,319
93$645,140,039$74,914,299$37,844,781$303,097,500
94$710,739,383$78,380,160$38,907,641$331,526,933
95$783,023,404$82,009,392$39,999,651$362,756,056
96$862,673,736$85,809,797$41,121,585$397,066,183
97$950,441,534$89,789,554$42,274,235$434,767,132
98$1,047,154,562$93,957,234$43,458,413$476,200,125
99$1,153,725,010$98,321,821$44,674,953$521,740,981
100$1,271,158,106$102,892,735$45,924,709$571,803,636