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

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 $11,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$982,691$973,938$965,398$957,062$948,923$924,108
2 years$486,481$477,420$468,640$460,126$451,868$427,037
3 years$321,099$311,999$303,241$294,807$286,684$262,613
4 years$238,424$229,353$220,682$212,392$204,465$181,340
5 years$188,832$179,815$171,258$163,137$155,431$133,316
6 years$155,782$146,833$138,402$130,462$122,987$101,903
7 years$132,184$123,310$115,013$107,260$100,022$79,969
8 years$114,493$105,699$97,540$89,978$82,978$63,948
9 years$100,741$92,030$84,011$76,641$69,879$51,855
10 years$89,746$81,120$73,243$66,065$59,541$42,500
11 years$80,756$72,217$64,482$57,497$51,207$35,125
12 years$73,269$64,818$57,226$50,432$44,375$29,222
13 years$66,939$58,576$51,128$44,524$38,696$24,440
14 years$61,518$53,244$45,938$39,524$33,920$20,530
15 years$56,825$48,640$41,476$35,248$29,866$17,308
16 years$52,721$44,626$37,604$31,561$26,396$14,634
17 years$49,105$41,099$34,218$28,357$23,404$12,403
18 years$45,894$37,977$31,237$25,556$20,810$10,534
19 years$43,024$35,197$28,596$23,092$18,548$8,962
20 years$40,444$32,707$26,244$20,914$16,568$7,636
21 years$38,113$30,465$24,139$18,981$14,826$6,514
22 years$35,997$28,438$22,248$17,258$13,290$5,562
23 years$34,068$26,597$20,542$15,717$11,930$4,754
24 years$32,302$24,920$18,998$14,335$10,723$4,066
25 years$30,680$23,386$17,596$13,091$9,649$3,480
26 years$29,185$21,979$16,319$11,970$8,691$2,980
27 years$27,803$20,685$15,154$10,957$7,836$2,553
28 years$26,523$19,491$14,088$10,039$7,070$2,188
29 years$25,332$18,388$13,110$9,206$6,384$1,876
30 years$24,223$17,365$12,211$8,448$5,769$1,609
31 years$23,188$16,416$11,384$7,759$5,215$1,380
32 years$22,219$15,533$10,622$7,131$4,718$1,184
33 years$21,311$14,710$9,917$6,557$4,270$1,016
34 years$20,458$13,942$9,266$6,033$3,866$872
35 years$19,656$13,223$8,663$5,554$3,501$749
36 years$18,900$12,551$8,104$5,115$3,172$643
37 years$18,186$11,921$7,586$4,713$2,875$552
38 years$17,512$11,329$7,104$4,344$2,607$474
39 years$16,874$10,773$6,655$4,005$2,364$407
40 years$16,269$10,249$6,238$3,694$2,144$350
41 years$15,695$9,756$5,849$3,409$1,945$300
42 years$15,150$9,292$5,487$3,146$1,765$258
43 years$14,632$8,853$5,149$2,904$1,602$221
44 years$14,139$8,439$4,833$2,681$1,454$190
45 years$13,669$8,047$4,538$2,476$1,320$163
46 years$13,221$7,677$4,262$2,287$1,198$140
47 years$12,793$7,326$4,004$2,113$1,088$121
48 years$12,384$6,994$3,763$1,953$988$104
49 years$11,993$6,678$3,537$1,805$898$89
50 years$11,619$6,379$3,325$1,668$815$76

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 $2,102 every year, while hoping to spend $42,287 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: 46/30/24 Blend
51$11,900,000$11,900,000$11,900,000$11,900,000
52$13,115,968$12,485,268$12,300,818$13,628,804
53$14,408,804$13,052,053$12,667,903$14,556,873
54$15,832,092$13,645,194$13,045,867$15,558,876
55$17,399,093$14,265,936$13,435,031$16,645,198
56$19,124,420$14,915,586$13,835,725$17,823,739
57$21,024,175$15,595,515$14,248,286$19,103,176
58$23,116,101$16,307,155$14,673,063$20,493,042
59$25,419,748$17,052,010$15,110,416$22,003,809
60$27,956,660$17,831,656$15,560,712$23,646,985
61$30,750,576$18,647,744$16,024,333$25,435,219
62$33,827,655$19,502,004$16,501,668$27,382,413
63$37,216,722$20,396,249$16,993,121$29,503,848
64$40,949,542$21,332,379$17,499,104$31,816,328
65$45,061,116$22,312,386$18,020,045$34,338,328
66$49,590,014$23,338,357$18,556,381$37,090,166
67$54,578,739$24,412,480$19,108,563$40,094,188
68$60,074,126$25,537,047$19,677,055$43,374,972
69$66,127,785$26,714,461$20,262,335$46,959,555
70$72,796,590$27,947,240$20,864,894$50,877,682
71$80,143,211$29,238,024$21,485,237$55,162,079
72$88,236,711$30,589,580$22,123,885$59,848,753
73$97,153,194$32,004,807$22,781,373$64,977,329
74$106,976,522$33,486,745$23,458,251$70,591,413
75$117,799,111$35,038,579$24,155,087$76,738,995
76$129,722,800$36,663,650$24,872,462$83,472,894
77$142,859,813$38,365,456$25,610,977$90,851,250
78$157,333,818$40,147,668$26,371,249$98,938,060
79$173,281,095$42,014,130$27,153,912$107,803,776
80$190,851,819$43,968,875$27,959,621$117,525,954
81$210,211,482$46,016,128$28,789,046$128,189,984
82$231,542,454$48,160,318$29,642,880$139,889,877
83$255,045,701$50,406,091$30,521,833$152,729,146
84$280,942,685$52,758,312$31,426,637$166,821,767
85$309,477,455$55,222,086$32,358,046$182,293,247
86$340,918,948$57,802,760$33,316,833$199,281,791
87$375,563,530$60,505,944$34,303,795$217,939,595
88$413,737,790$63,337,516$35,319,753$238,434,268
89$455,801,629$66,303,638$36,365,548$260,950,399
90$502,151,650$69,410,771$37,442,050$285,691,284
91$553,224,909$72,665,689$38,550,149$312,880,827
92$609,503,034$76,075,493$39,690,763$342,765,638
93$671,516,777$79,647,626$40,864,838$375,617,344
94$739,851,022$83,389,893$42,073,344$411,735,130
95$815,150,306$87,310,477$43,317,280$451,448,548
96$898,124,902$91,417,956$44,597,673$495,120,606
97$989,557,529$95,721,322$45,915,582$543,151,172
98$1,090,310,736$100,230,007$47,272,094$595,980,726
99$1,201,335,048$104,953,894$48,668,326$654,094,498
100$1,323,677,938$109,903,349$50,105,430$718,027,019