Can I retire at age 52 with 11,900,000?

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 $11,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$982,691$973,938$965,398$957,062$948,923$912,354
2 years$486,481$477,420$468,640$460,126$451,868$415,462
3 years$321,099$311,999$303,241$294,807$286,684$251,586
4 years$238,424$229,353$220,682$212,392$204,465$170,943
5 years$188,832$179,815$171,258$163,137$155,431$123,570
6 years$155,782$146,833$138,402$130,462$122,987$92,809
7 years$132,184$123,310$115,013$107,260$100,022$71,517
8 years$114,493$105,699$97,540$89,978$82,978$56,119
9 years$100,741$92,030$84,011$76,641$69,879$44,627
10 years$89,746$81,120$73,243$66,065$59,541$35,847
11 years$80,756$72,217$64,482$57,497$51,207$29,019
12 years$73,269$64,818$57,226$50,432$44,375$23,635
13 years$66,939$58,576$51,128$44,524$38,696$19,343
14 years$61,518$53,244$45,938$39,524$33,920$15,891
15 years$56,825$48,640$41,476$35,248$29,866$13,096
16 years$52,721$44,626$37,604$31,561$26,396$10,820
17 years$49,105$41,099$34,218$28,357$23,404$8,958
18 years$45,894$37,977$31,237$25,556$20,810$7,429
19 years$43,024$35,197$28,596$23,092$18,548$6,170
20 years$40,444$32,707$26,244$20,914$16,568$5,130
21 years$38,113$30,465$24,139$18,981$14,826$4,269
22 years$35,997$28,438$22,248$17,258$13,290$3,555
23 years$34,068$26,597$20,542$15,717$11,930$2,963
24 years$32,302$24,920$18,998$14,335$10,723$2,471
25 years$30,680$23,386$17,596$13,091$9,649$2,061
26 years$29,185$21,979$16,319$11,970$8,691$1,720
27 years$27,803$20,685$15,154$10,957$7,836$1,436
28 years$26,523$19,491$14,088$10,039$7,070$1,199
29 years$25,332$18,388$13,110$9,206$6,384$1,001
30 years$24,223$17,365$12,211$8,448$5,769$837
31 years$23,188$16,416$11,384$7,759$5,215$699
32 years$22,219$15,533$10,622$7,131$4,718$584
33 years$21,311$14,710$9,917$6,557$4,270$488
34 years$20,458$13,942$9,266$6,033$3,866$408
35 years$19,656$13,223$8,663$5,554$3,501$341
36 years$18,900$12,551$8,104$5,115$3,172$285
37 years$18,186$11,921$7,586$4,713$2,875$238
38 years$17,512$11,329$7,104$4,344$2,607$199
39 years$16,874$10,773$6,655$4,005$2,364$166
40 years$16,269$10,249$6,238$3,694$2,144$139
41 years$15,695$9,756$5,849$3,409$1,945$116
42 years$15,150$9,292$5,487$3,146$1,765$97
43 years$14,632$8,853$5,149$2,904$1,602$81
44 years$14,139$8,439$4,833$2,681$1,454$68
45 years$13,669$8,047$4,538$2,476$1,320$57
46 years$13,221$7,677$4,262$2,287$1,198$48
47 years$12,793$7,326$4,004$2,113$1,088$40
48 years$12,384$6,994$3,763$1,953$988$33
49 years$11,993$6,678$3,537$1,805$898$28
50 years$11,619$6,379$3,325$1,668$815$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $11,900,000, adding $2,804 every year, while hoping to spend $51,536 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: 67/18/15 Blend
51$11,900,000$11,900,000$11,900,000$11,900,000
52$13,116,692$12,485,992$12,301,542$13,948,993
53$14,399,761$13,042,972$12,658,810$15,061,632
54$15,811,975$13,625,517$13,026,319$16,271,438
55$17,366,454$14,234,824$13,404,358$17,592,973
56$19,077,652$14,872,150$13,793,223$19,037,193
57$20,961,496$15,538,809$14,193,220$20,616,154
58$23,035,537$16,236,179$14,604,661$22,343,124
59$25,319,113$16,965,703$15,027,868$24,232,701
60$27,833,533$17,728,893$15,463,173$26,300,958
61$30,602,278$18,527,333$15,910,914$28,565,582
62$33,651,221$19,362,683$16,371,440$31,046,045
63$37,008,874$20,236,682$16,845,111$33,763,781
64$40,706,651$21,151,152$17,332,294$36,742,387
65$44,779,172$22,108,001$17,833,369$40,007,843
66$49,264,584$23,109,230$18,348,724$43,588,753
67$54,204,923$24,156,934$18,878,758$47,516,612
68$59,646,511$25,253,309$19,423,881$51,826,098
69$65,640,390$26,400,656$19,984,516$56,555,399
70$72,242,807$27,601,386$20,561,095$61,746,567
71$79,515,745$28,858,025$21,154,063$67,445,912
72$87,527,504$30,173,221$21,763,877$73,704,434
73$96,353,348$31,549,748$22,391,006$80,578,300
74$106,076,217$32,990,513$23,035,932$88,129,372
75$116,787,506$34,498,562$23,699,150$96,425,782
76$128,587,928$36,077,089$24,381,168$105,542,574
77$141,588,469$37,729,439$25,082,510$115,562,405
78$155,911,429$39,459,117$25,803,710$126,576,320
79$171,691,580$41,269,799$26,545,320$138,684,607
80$189,077,438$43,165,337$27,307,905$151,997,734
81$208,232,664$45,149,765$28,092,046$166,637,392
82$229,337,606$47,227,313$28,898,340$182,737,632
83$252,591,006$49,402,416$29,727,399$200,446,124
84$278,211,873$51,679,719$30,579,851$219,925,547
85$306,441,551$54,064,093$31,456,344$241,355,114
86$337,545,997$56,560,640$32,357,538$264,932,260
87$371,818,289$59,174,712$33,284,117$290,874,491
88$409,581,397$61,911,916$34,236,777$319,421,436
89$451,191,228$64,778,128$35,216,237$350,837,098
90$497,039,986$67,779,509$36,223,234$385,412,334
91$547,559,876$70,922,516$37,258,524$423,467,595
92$603,227,182$74,213,918$38,322,883$465,355,940
93$664,566,763$77,660,809$39,417,108$511,466,356
94$732,157,009$81,270,625$40,542,018$562,227,424
95$806,635,300$85,051,162$41,698,452$618,111,349
96$888,704,023$89,010,591$42,887,272$679,638,408
97$979,137,201$93,157,477$44,109,363$747,381,849
98$1,078,787,802$97,500,800$45,365,633$821,973,289
99$1,188,595,791$102,049,972$46,657,015$904,108,664
100$1,309,597,000$106,814,860$47,984,464$994,554,782