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

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 $11,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$974,433$965,753$957,285$949,019$940,949$912,656
2 years$482,393$473,408$464,701$456,259$448,071$419,805
3 years$318,401$309,378$300,693$292,330$284,274$256,922
4 years$236,421$227,425$218,827$210,607$202,747$176,517
5 years$187,245$178,304$169,819$161,766$154,125$129,088
6 years$154,473$145,599$137,239$129,366$121,954$98,133
7 years$131,073$122,274$114,046$106,359$99,181$76,575
8 years$113,531$104,811$96,720$89,222$82,280$60,875
9 years$99,894$91,257$83,305$75,997$69,292$49,065
10 years$88,992$80,438$72,627$65,510$59,040$39,963
11 years$80,077$71,610$63,940$57,014$50,777$32,816
12 years$72,653$64,273$56,745$50,009$44,002$27,122
13 years$66,377$58,084$50,698$44,150$38,370$22,532
14 years$61,001$52,797$45,552$39,192$33,635$18,797
15 years$56,347$48,231$41,128$34,952$29,615$15,735
16 years$52,278$44,251$37,288$31,296$26,174$13,209
17 years$48,692$40,753$33,931$28,119$23,208$11,114
18 years$45,508$37,658$30,974$25,341$20,635$9,370
19 years$42,662$34,901$28,356$22,898$18,393$7,912
20 years$40,104$32,432$26,023$20,738$16,429$6,690
21 years$37,793$30,209$23,936$18,821$14,702$5,663
22 years$35,695$28,199$22,061$17,113$13,178$4,798
23 years$33,782$26,374$20,370$15,585$11,829$4,069
24 years$32,031$24,711$18,838$14,214$10,633$3,453
25 years$30,422$23,190$17,448$12,981$9,568$2,932
26 years$28,940$21,795$16,182$11,870$8,618$2,490
27 years$27,570$20,511$15,027$10,864$7,770$2,116
28 years$26,300$19,328$13,969$9,954$7,011$1,799
29 years$25,119$18,233$13,000$9,128$6,331$1,530
30 years$24,020$17,219$12,109$8,377$5,720$1,301
31 years$22,993$16,278$11,289$7,694$5,172$1,107
32 years$22,033$15,402$10,532$7,071$4,678$942
33 years$21,132$14,586$9,834$6,502$4,234$802
34 years$20,286$13,825$9,188$5,983$3,833$682
35 years$19,491$13,112$8,591$5,507$3,472$581
36 years$18,741$12,446$8,036$5,072$3,146$494
37 years$18,034$11,820$7,522$4,673$2,851$421
38 years$17,365$11,234$7,044$4,308$2,585$358
39 years$16,732$10,682$6,599$3,972$2,344$305
40 years$16,132$10,163$6,186$3,663$2,126$260
41 years$15,564$9,674$5,800$3,380$1,929$221
42 years$15,023$9,213$5,441$3,119$1,750$189
43 years$14,509$8,779$5,105$2,879$1,588$161
44 years$14,020$8,368$4,792$2,659$1,442$137
45 years$13,554$7,979$4,500$2,455$1,309$116
46 years$13,109$7,612$4,226$2,268$1,188$99
47 years$12,685$7,264$3,971$2,095$1,079$84
48 years$12,280$6,935$3,731$1,936$980$72
49 years$11,892$6,622$3,507$1,789$890$61
50 years$11,521$6,326$3,297$1,654$808$52

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 $6,220 every year, while hoping to spend $54,542 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: 63/16/21 Blend
51$11,800,000$11,800,000$11,800,000$11,800,000
52$13,010,016$12,384,616$12,201,716$13,758,659
53$14,279,005$12,933,430$12,552,441$14,813,001
54$15,675,604$13,507,308$12,913,088$15,957,340
55$17,212,769$14,107,420$13,283,930$17,205,891
56$18,904,781$14,734,993$13,665,251$18,568,832
57$20,767,371$15,391,310$14,057,340$20,057,366
58$22,817,877$16,077,718$14,460,494$21,683,819
59$25,075,399$16,795,625$14,875,019$23,461,755
60$27,560,986$17,546,507$15,301,229$25,406,104
61$30,297,833$18,331,911$15,739,446$27,533,298
62$33,311,494$19,153,458$16,190,000$29,861,422
63$36,630,133$20,012,844$16,653,232$32,410,388
64$40,284,780$20,911,846$17,129,488$35,202,114
65$44,309,630$21,852,329$17,619,129$38,260,729
66$48,742,362$22,836,243$18,122,519$41,612,801
67$53,624,497$23,865,634$18,640,038$45,287,582
68$59,001,788$24,942,642$19,172,072$49,317,278
69$64,924,652$26,069,513$19,719,018$53,737,356
70$71,448,646$27,248,598$20,281,284$58,586,871
71$78,634,990$28,482,361$20,859,289$63,908,829
72$86,551,146$29,773,384$21,453,462$69,750,594
73$95,271,454$31,124,372$22,064,245$76,164,327
74$104,877,835$32,538,159$22,692,090$83,207,477
75$115,460,561$34,017,715$23,337,461$90,943,314
76$127,119,108$35,566,153$24,000,836$99,441,529
77$139,963,097$37,186,734$24,682,704$108,778,879
78$154,113,324$38,882,875$25,383,566$119,039,912
79$169,702,905$40,658,158$26,103,937$130,317,758
80$186,878,529$42,516,336$26,844,347$142,715,002
81$205,801,844$44,461,341$27,605,337$156,344,648
82$226,650,980$46,497,295$28,387,464$171,331,177
83$249,622,235$48,628,517$29,191,299$187,811,721
84$274,931,922$50,859,534$30,017,427$205,937,344
85$302,818,417$53,195,089$30,866,449$225,874,467
86$333,544,402$55,640,156$31,738,982$247,806,430
87$367,399,351$58,199,943$32,635,657$271,935,214
88$404,702,258$60,879,913$33,557,125$298,483,342
89$445,804,648$63,685,788$34,504,048$327,695,969
90$491,093,899$66,623,569$35,477,111$359,843,192
91$540,996,894$69,699,542$36,477,012$395,222,587
92$595,984,055$72,920,297$37,504,469$434,162,009
93$656,573,779$76,292,742$38,560,219$477,022,681
94$723,337,334$79,824,116$39,645,016$524,202,592
95$796,904,252$83,522,007$40,759,634$576,140,242
96$877,968,271$87,394,371$41,904,867$633,318,773
97$967,293,883$91,449,544$43,081,529$696,270,518
98$1,065,723,553$95,696,264$44,290,453$765,582,015
99$1,174,185,668$100,143,694$45,532,496$841,899,530
100$1,293,703,305$104,801,434$46,808,534$925,935,148