Can I retire at age 52 with 11,800,000?

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 $11,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$974,433$965,753$957,285$949,019$940,949$921,573
2 years$482,393$473,408$464,701$456,259$448,071$428,639
3 years$318,401$309,378$300,693$292,330$284,274$265,392
4 years$236,421$227,425$218,827$210,607$202,747$184,559
5 years$187,245$178,304$169,819$161,766$154,125$136,684
6 years$154,473$145,599$137,239$129,366$121,954$105,278
7 years$131,073$122,274$114,046$106,359$99,181$83,274
8 years$113,531$104,811$96,720$89,222$82,280$67,137
9 years$99,894$91,257$83,305$75,997$69,292$54,902
10 years$88,992$80,438$72,627$65,510$59,040$45,389
11 years$80,077$71,610$63,940$57,014$50,777$37,848
12 years$72,653$64,273$56,745$50,009$44,002$31,777
13 years$66,377$58,084$50,698$44,150$38,370$26,827
14 years$61,001$52,797$45,552$39,192$33,635$22,752
15 years$56,347$48,231$41,128$34,952$29,615$19,369
16 years$52,278$44,251$37,288$31,296$26,174$16,540
17 years$48,692$40,753$33,931$28,119$23,208$14,162
18 years$45,508$37,658$30,974$25,341$20,635$12,152
19 years$42,662$34,901$28,356$22,898$18,393$10,447
20 years$40,104$32,432$26,023$20,738$16,429$8,996
21 years$37,793$30,209$23,936$18,821$14,702$7,757
22 years$35,695$28,199$22,061$17,113$13,178$6,696
23 years$33,782$26,374$20,370$15,585$11,829$5,786
24 years$32,031$24,711$18,838$14,214$10,633$5,004
25 years$30,422$23,190$17,448$12,981$9,568$4,331
26 years$28,940$21,795$16,182$11,870$8,618$3,751
27 years$27,570$20,511$15,027$10,864$7,770$3,250
28 years$26,300$19,328$13,969$9,954$7,011$2,817
29 years$25,119$18,233$13,000$9,128$6,331$2,443
30 years$24,020$17,219$12,109$8,377$5,720$2,120
31 years$22,993$16,278$11,289$7,694$5,172$1,840
32 years$22,033$15,402$10,532$7,071$4,678$1,597
33 years$21,132$14,586$9,834$6,502$4,234$1,387
34 years$20,286$13,825$9,188$5,983$3,833$1,204
35 years$19,491$13,112$8,591$5,507$3,472$1,046
36 years$18,741$12,446$8,036$5,072$3,146$909
37 years$18,034$11,820$7,522$4,673$2,851$789
38 years$17,365$11,234$7,044$4,308$2,585$686
39 years$16,732$10,682$6,599$3,972$2,344$596
40 years$16,132$10,163$6,186$3,663$2,126$518
41 years$15,564$9,674$5,800$3,380$1,929$450
42 years$15,023$9,213$5,441$3,119$1,750$391
43 years$14,509$8,779$5,105$2,879$1,588$340
44 years$14,020$8,368$4,792$2,659$1,442$296
45 years$13,554$7,979$4,500$2,455$1,309$257
46 years$13,109$7,612$4,226$2,268$1,188$223
47 years$12,685$7,264$3,971$2,095$1,079$194
48 years$12,280$6,935$3,731$1,936$980$169
49 years$11,892$6,622$3,507$1,789$890$147
50 years$11,521$6,326$3,297$1,654$808$128

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $11,800,000, adding $3,549 every year, while hoping to spend $48,741 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: 75/17/8 Blend
51$11,800,000$11,800,000$11,800,000$11,800,000
52$13,007,261$12,381,861$12,198,961$13,966,848
53$14,282,141$12,936,712$12,555,766$15,153,843
54$15,685,426$13,517,117$12,922,890$16,447,658
55$17,230,161$14,124,277$13,300,629$17,864,035
56$18,930,721$14,759,450$13,689,283$19,415,104
57$20,802,944$15,423,953$14,089,164$21,114,217
58$22,864,286$16,119,168$14,500,592$22,976,072
59$25,133,976$16,846,541$14,923,895$25,016,849
60$27,633,207$17,607,587$15,359,411$27,254,361
61$30,385,330$18,403,894$15,807,488$29,708,221
62$33,416,076$19,237,128$16,268,481$32,400,022
63$36,753,799$20,109,030$16,742,758$35,353,538
64$40,429,742$21,021,427$17,230,695$38,594,950
65$44,478,333$21,976,235$17,732,681$42,153,086
66$48,937,510$22,975,457$18,249,113$46,059,694
67$53,849,078$24,021,197$18,780,401$50,349,733
68$59,259,105$25,115,657$19,326,965$55,061,705
69$65,218,353$26,261,143$19,889,238$60,238,015
70$71,782,761$27,460,075$20,467,663$65,925,363
71$79,013,972$28,714,988$21,062,699$72,175,186
72$86,979,910$30,028,536$21,674,813$79,044,139
73$95,755,430$31,403,503$22,304,488$86,594,623
74$105,423,015$32,842,806$22,952,219$94,895,373
75$116,073,560$34,349,501$23,618,516$104,022,102
76$127,807,230$35,926,793$24,303,903$114,058,208
77$140,734,399$37,578,038$25,008,916$125,095,563
78$154,976,701$39,306,755$25,734,108$137,235,368
79$170,668,171$41,116,632$26,480,047$150,589,107
80$187,956,512$43,011,535$27,247,316$165,279,597
81$207,004,490$44,995,513$28,036,514$181,442,135
82$227,991,468$47,072,814$28,848,258$199,225,773
83$251,115,103$49,247,886$29,683,179$218,794,721
84$276,593,206$51,525,396$30,541,929$240,329,885
85$304,665,803$53,910,230$31,425,173$264,030,575
86$335,597,398$56,407,514$32,333,600$290,116,373
87$369,679,470$59,022,620$33,267,912$318,829,203
88$407,233,223$61,761,176$34,228,835$350,435,607
89$448,612,623$64,629,084$35,217,112$385,229,249
90$494,207,732$67,632,531$36,233,507$423,533,684
91$544,448,396$70,778,000$37,278,805$465,705,399
92$599,808,299$74,072,289$38,353,811$512,137,176
93$660,809,437$77,522,522$39,459,355$563,261,782
94$728,027,042$81,136,168$40,596,286$619,556,050
95$802,095,017$84,921,057$41,765,478$681,545,369
96$883,711,916$88,885,396$42,967,829$749,808,632
97$973,647,539$93,037,788$44,204,259$824,983,692
98$1,072,750,202$97,387,254$45,475,715$907,773,366
99$1,181,954,740$101,943,247$46,783,169$998,952,065
100$1,302,291,338$106,715,681$48,127,620$1,099,373,086