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

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 $11,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$966,175$957,569$949,172$940,977$932,974$910,420
2 years$478,304$469,397$460,763$452,393$444,274$421,686
3 years$315,702$306,756$298,144$289,852$281,865$259,951
4 years$234,417$225,498$216,973$208,822$201,029$179,955
5 years$185,659$176,793$168,380$160,396$152,819$132,646
6 years$153,164$144,365$136,076$128,270$120,920$101,668
7 years$129,962$121,237$113,080$105,458$98,341$80,011
8 years$112,569$103,923$95,901$88,466$81,583$64,169
9 years$99,048$90,484$82,599$75,353$68,705$52,192
10 years$88,237$79,757$72,012$64,955$58,540$42,909
11 years$79,398$71,003$63,398$56,530$50,346$35,576
12 years$72,038$63,728$56,264$49,585$43,629$29,694
13 years$65,814$57,592$50,268$43,776$38,045$24,919
14 years$60,484$52,349$45,166$38,859$33,350$21,005
15 years$55,870$47,822$40,779$34,656$29,364$17,769
16 years$51,835$43,876$36,972$31,030$25,952$15,078
17 years$48,280$40,408$33,643$27,881$23,011$12,826
18 years$45,122$37,339$30,712$25,126$20,460$10,934
19 years$42,301$34,605$28,115$22,704$18,237$9,337
20 years$39,765$32,157$25,803$20,562$16,289$7,985
21 years$37,473$29,953$23,734$18,662$14,577$6,838
22 years$35,392$27,960$21,874$16,968$13,066$5,862
23 years$33,495$26,150$20,197$15,453$11,729$5,030
24 years$31,759$24,501$18,679$14,094$10,542$4,319
25 years$30,164$22,993$17,300$12,871$9,487$3,711
26 years$28,695$21,610$16,045$11,769$8,545$3,191
27 years$27,336$20,337$14,899$10,772$7,704$2,745
28 years$26,077$19,164$13,851$9,870$6,952$2,362
29 years$24,906$18,079$12,889$9,051$6,277$2,034
30 years$23,816$17,074$12,006$8,306$5,672$1,751
31 years$22,798$16,140$11,193$7,629$5,128$1,509
32 years$21,846$15,272$10,443$7,011$4,638$1,300
33 years$20,953$14,463$9,751$6,447$4,198$1,120
34 years$20,114$13,707$9,111$5,932$3,801$965
35 years$19,326$13,001$8,518$5,461$3,442$832
36 years$18,582$12,340$7,968$5,029$3,119$717
37 years$17,881$11,720$7,458$4,634$2,827$619
38 years$17,218$11,138$6,984$4,271$2,563$533
39 years$16,590$10,592$6,543$3,938$2,324$460
40 years$15,996$10,077$6,133$3,632$2,108$397
41 years$15,432$9,592$5,751$3,351$1,912$342
42 years$14,896$9,135$5,395$3,093$1,735$295
43 years$14,386$8,704$5,062$2,855$1,575$255
44 years$13,901$8,297$4,752$2,636$1,430$220
45 years$13,439$7,912$4,462$2,435$1,298$189
46 years$12,998$7,548$4,190$2,249$1,178$163
47 years$12,578$7,203$3,937$2,078$1,070$141
48 years$12,176$6,876$3,700$1,920$972$122
49 years$11,791$6,566$3,477$1,774$883$105
50 years$11,423$6,272$3,269$1,640$802$91

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 $3,168 every year, while hoping to spend $34,682 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: 46/29/25 Blend
51$11,700,000$11,700,000$11,700,000$11,700,000
52$12,896,668$12,276,568$12,095,218$13,397,108
53$14,175,227$12,841,218$12,463,506$14,314,956
54$15,583,036$13,432,374$12,842,970$15,306,563
55$17,133,243$14,051,298$13,233,947$16,381,779
56$18,840,334$14,699,312$13,636,784$17,548,439
57$20,720,273$15,377,803$14,051,841$18,815,150
58$22,790,649$16,088,224$14,479,487$20,191,367
59$25,070,847$16,832,098$14,920,101$21,687,477
60$27,582,225$17,611,022$15,374,076$23,314,894
61$30,348,319$18,426,669$15,841,814$25,086,163
62$33,395,064$19,280,794$16,323,732$27,015,071
63$36,751,042$20,175,233$16,820,258$29,116,777
64$40,447,743$21,111,915$17,331,832$31,407,946
65$44,519,874$22,092,860$17,858,909$33,906,900
66$49,005,675$23,120,184$18,401,957$36,633,792
67$53,947,289$24,196,107$18,961,457$39,610,783
68$59,391,152$25,322,957$19,537,906$42,862,250
69$65,388,439$26,503,171$20,131,815$46,415,007
70$71,995,539$27,739,306$20,743,710$50,298,555
71$79,274,595$29,034,043$21,374,135$54,545,348
72$87,294,083$30,390,190$22,023,648$59,191,100
73$96,129,463$31,810,693$22,692,824$64,275,106
74$105,863,890$33,298,639$23,382,256$69,840,612
75$116,589,000$34,857,265$24,092,554$75,935,213
76$128,405,771$36,489,964$24,824,348$82,611,291
77$141,425,481$38,200,293$25,578,284$89,926,504
78$155,770,754$39,991,982$26,355,031$97,944,321
79$171,576,721$41,868,939$27,155,274$106,734,610
80$188,992,293$43,835,263$27,979,723$116,374,285
81$208,181,568$45,895,252$28,829,104$126,948,027
82$229,325,378$48,053,411$29,704,170$138,549,069
83$252,623,001$50,314,462$30,605,694$151,280,063
84$278,294,033$52,683,357$31,534,471$165,254,042
85$306,580,471$55,165,287$32,491,322$180,595,469
86$337,748,989$57,765,696$33,477,091$197,441,401
87$372,093,461$60,490,291$34,492,649$215,942,769
88$409,937,733$63,345,054$35,538,892$236,265,790
89$451,638,679$66,336,259$36,616,742$258,593,517
90$497,589,571$69,470,483$37,727,150$283,127,554
91$548,223,793$72,754,621$38,871,094$310,089,942
92$604,018,927$76,195,905$40,049,584$339,725,239
93$665,501,269$79,801,916$41,263,656$372,302,810
94$733,250,791$83,580,602$42,514,381$408,119,347
95$807,906,618$87,540,299$43,802,859$447,501,657
96$890,173,064$91,689,744$45,130,226$490,809,721
97$980,826,276$96,038,101$46,497,648$538,440,076
98$1,080,721,566$100,594,977$47,906,329$590,829,528
99$1,190,801,482$105,370,448$49,357,507$648,459,259
100$1,312,104,709$110,375,075$50,852,459$711,859,343