Can I retire at age 52 with 11,700,000?

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 $11,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$966,175$957,569$949,172$940,977$932,974$904,559
2 years$478,304$469,397$460,763$452,393$444,274$415,889
3 years$315,702$306,756$298,144$289,852$281,865$254,402
4 years$234,417$225,498$216,973$208,822$201,029$174,697
5 years$185,659$176,793$168,380$160,396$152,819$127,691
6 years$153,164$144,365$136,076$128,270$120,920$97,017
7 years$129,962$121,237$113,080$105,458$98,341$75,662
8 years$112,569$103,923$95,901$88,466$81,583$60,114
9 years$99,048$90,484$82,599$75,353$68,705$48,422
10 years$88,237$79,757$72,012$64,955$58,540$39,414
11 years$79,398$71,003$63,398$56,530$50,346$32,345
12 years$72,038$63,728$56,264$49,585$43,629$26,714
13 years$65,814$57,592$50,268$43,776$38,045$22,178
14 years$60,484$52,349$45,166$38,859$33,350$18,489
15 years$55,870$47,822$40,779$34,656$29,364$15,467
16 years$51,835$43,876$36,972$31,030$25,952$12,974
17 years$48,280$40,408$33,643$27,881$23,011$10,909
18 years$45,122$37,339$30,712$25,126$20,460$9,190
19 years$42,301$34,605$28,115$22,704$18,237$7,754
20 years$39,765$32,157$25,803$20,562$16,289$6,551
21 years$37,473$29,953$23,734$18,662$14,577$5,541
22 years$35,392$27,960$21,874$16,968$13,066$4,692
23 years$33,495$26,150$20,197$15,453$11,729$3,975
24 years$31,759$24,501$18,679$14,094$10,542$3,371
25 years$30,164$22,993$17,300$12,871$9,487$2,860
26 years$28,695$21,610$16,045$11,769$8,545$2,427
27 years$27,336$20,337$14,899$10,772$7,704$2,061
28 years$26,077$19,164$13,851$9,870$6,952$1,751
29 years$24,906$18,079$12,889$9,051$6,277$1,487
30 years$23,816$17,074$12,006$8,306$5,672$1,264
31 years$22,798$16,140$11,193$7,629$5,128$1,075
32 years$21,846$15,272$10,443$7,011$4,638$914
33 years$20,953$14,463$9,751$6,447$4,198$777
34 years$20,114$13,707$9,111$5,932$3,801$661
35 years$19,326$13,001$8,518$5,461$3,442$562
36 years$18,582$12,340$7,968$5,029$3,119$478
37 years$17,881$11,720$7,458$4,634$2,827$407
38 years$17,218$11,138$6,984$4,271$2,563$346
39 years$16,590$10,592$6,543$3,938$2,324$294
40 years$15,996$10,077$6,133$3,632$2,108$250
41 years$15,432$9,592$5,751$3,351$1,912$213
42 years$14,896$9,135$5,395$3,093$1,735$181
43 years$14,386$8,704$5,062$2,855$1,575$154
44 years$13,901$8,297$4,752$2,636$1,430$131
45 years$13,439$7,912$4,462$2,435$1,298$112
46 years$12,998$7,548$4,190$2,249$1,178$95
47 years$12,578$7,203$3,937$2,078$1,070$81
48 years$12,176$6,876$3,700$1,920$972$69
49 years$11,791$6,566$3,477$1,774$883$59
50 years$11,423$6,272$3,269$1,640$802$50

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $11,700,000, adding $3,211 every year, while hoping to spend $35,823 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: 31/45/24 Blend
51$11,700,000$11,700,000$11,700,000$11,700,000
52$12,896,712$12,276,612$12,095,262$13,200,854
53$14,174,061$12,840,051$12,462,338$13,996,799
54$15,580,500$13,429,897$12,840,510$14,849,580
55$17,129,156$14,047,408$13,230,113$15,766,841
56$18,834,498$14,693,899$13,631,490$16,754,232
57$20,712,467$15,370,750$14,044,995$17,817,939
58$22,780,630$16,079,408$14,470,993$18,964,735
59$25,058,343$16,821,388$14,909,861$20,202,043
60$27,566,937$17,598,279$15,361,984$21,537,994
61$30,329,916$18,411,746$15,827,762$22,981,503
62$33,373,180$19,263,534$16,307,604$24,542,344
63$36,725,269$20,155,472$16,801,934$26,231,236
64$40,417,635$21,089,478$17,311,187$28,059,936
65$44,484,933$22,067,562$17,835,811$30,041,343
66$48,965,353$23,091,830$18,376,268$32,189,612
67$53,900,980$24,164,490$18,933,033$34,520,281
68$59,338,187$25,287,857$19,506,597$37,050,406
69$65,328,077$26,464,357$20,097,463$39,798,715
70$71,926,964$27,696,533$20,706,151$42,785,777
71$79,196,903$28,987,052$21,333,196$46,034,181
72$87,206,278$30,338,709$21,979,149$49,568,744
73$96,030,444$31,754,432$22,644,576$53,416,734
74$105,752,444$33,237,293$23,330,064$57,608,114
75$116,463,784$34,790,511$24,036,212$62,175,814
76$128,265,305$36,417,462$24,763,640$67,156,030
77$141,268,132$38,121,682$25,512,988$72,588,552
78$155,594,719$39,906,883$26,284,911$78,517,128
79$171,380,011$41,776,951$27,080,086$84,989,862
80$188,772,714$43,735,964$27,899,211$92,059,651
81$207,936,699$45,788,194$28,743,002$99,784,672
82$229,052,549$47,938,122$29,612,200$108,228,914
83$252,319,265$50,190,445$30,507,564$117,462,767
84$277,956,141$52,550,088$31,429,878$127,563,665
85$306,204,838$55,022,214$32,379,950$138,616,801
86$337,331,664$57,612,234$33,358,610$150,715,913
87$371,630,084$60,325,824$34,366,714$163,964,146
88$409,423,497$63,168,934$35,405,144$178,475,006
89$451,068,283$66,147,801$36,474,805$194,373,411
90$496,957,170$69,268,965$37,576,634$211,796,842
91$547,522,941$72,539,285$38,711,591$230,896,623
92$603,242,520$75,965,948$39,880,668$251,839,320
93$664,641,471$79,556,493$41,084,884$274,808,289
94$732,298,963$83,318,824$42,325,290$300,005,376
95$806,853,238$87,261,227$43,602,968$327,652,798
96$889,007,632$91,392,391$44,919,031$357,995,207
97$979,537,218$95,721,426$46,274,626$391,301,968
98$1,079,296,122$100,257,884$47,670,934$427,869,670
99$1,189,225,587$105,011,780$49,109,171$468,024,891
100$1,310,362,857$109,993,618$50,590,588$512,127,240