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

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 $11,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$908,370$900,278$892,384$884,679$877,155$843,686
2 years$449,688$441,313$433,196$425,327$417,693$384,367
3 years$296,814$288,403$280,307$272,511$265,002$232,868
4 years$220,392$212,007$203,991$196,329$189,001$158,305
5 years$174,551$166,216$158,306$150,799$143,676$114,495
6 years$144,000$135,728$127,935$120,595$113,686$86,041
7 years$122,187$113,984$106,314$99,148$92,457$66,339
8 years$105,834$97,705$90,163$83,173$76,702$52,087
9 years$93,122$85,070$77,657$70,845$64,594$41,446
10 years$82,958$74,985$67,703$61,069$55,037$33,313
11 years$74,648$66,755$59,605$53,148$47,334$26,986
12 years$67,728$59,915$52,898$46,618$41,019$21,993
13 years$61,877$54,146$47,261$41,157$35,769$18,012
14 years$56,866$49,217$42,464$36,534$31,355$14,808
15 years$52,527$44,961$38,339$32,582$27,607$12,212
16 years$48,734$41,251$34,760$29,174$24,400$10,097
17 years$45,391$37,990$31,630$26,213$21,634$8,366
18 years$42,423$35,105$28,874$23,623$19,236$6,943
19 years$39,770$32,535$26,433$21,345$17,146$5,770
20 years$37,386$30,233$24,259$19,332$15,315$4,801
21 years$35,231$28,161$22,314$17,545$13,705$3,999
22 years$33,275$26,287$20,566$15,953$12,285$3,333
23 years$31,491$24,586$18,989$14,528$11,027$2,780
24 years$29,859$23,035$17,561$13,251$9,912$2,320
25 years$28,360$21,617$16,265$12,101$8,919$1,937
26 years$26,978$20,317$15,085$11,065$8,034$1,618
27 years$25,701$19,121$14,008$10,128$7,243$1,352
28 years$24,517$18,017$13,022$9,279$6,536$1,129
29 years$23,416$16,997$12,118$8,509$5,902$944
30 years$22,391$16,052$11,288$7,809$5,332$789
31 years$21,434$15,175$10,523$7,172$4,821$660
32 years$20,539$14,358$9,818$6,592$4,361$552
33 years$19,699$13,597$9,167$6,061$3,947$462
34 years$18,911$12,887$8,565$5,577$3,573$386
35 years$18,169$12,223$8,008$5,134$3,236$323
36 years$17,471$11,602$7,491$4,728$2,932$270
37 years$16,811$11,019$7,012$4,357$2,658$226
38 years$16,188$10,472$6,566$4,016$2,409$189
39 years$15,598$9,958$6,152$3,702$2,185$158
40 years$15,039$9,474$5,766$3,415$1,982$132
41 years$14,508$9,018$5,407$3,151$1,798$111
42 years$14,005$8,589$5,072$2,908$1,632$93
43 years$13,526$8,183$4,759$2,684$1,481$78
44 years$13,070$7,801$4,467$2,478$1,344$65
45 years$12,635$7,439$4,195$2,289$1,220$54
46 years$12,221$7,096$3,940$2,114$1,108$45
47 years$11,825$6,772$3,701$1,953$1,006$38
48 years$11,447$6,465$3,478$1,805$914$32
49 years$11,086$6,173$3,269$1,668$830$27
50 years$10,740$5,897$3,074$1,542$754$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $11,000,000, adding $5,361 every year, while hoping to spend $49,133 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: 64/23/13 Blend
51$11,000,000$11,000,000$11,000,000$11,000,000
52$12,127,530$11,544,530$11,374,030$12,866,363
53$13,312,261$12,057,935$11,702,783$13,874,646
54$14,616,188$12,594,850$12,040,902$14,969,382
55$16,051,416$13,156,375$12,388,650$16,163,959
56$17,631,286$13,743,663$12,746,295$17,468,097
57$19,370,495$14,357,920$13,114,114$18,892,493
58$21,285,240$15,000,412$13,492,391$20,448,912
59$23,393,365$15,672,463$13,881,417$22,150,300
60$25,714,536$16,375,461$14,281,492$24,010,900
61$28,270,420$17,110,861$14,692,923$26,046,387
62$31,084,894$17,880,184$15,116,027$28,274,011
63$34,184,267$18,685,027$15,551,128$30,712,755
64$37,597,531$19,527,061$15,998,559$33,383,516
65$41,356,631$20,408,040$16,458,663$36,309,293
66$45,496,771$21,329,797$16,931,792$39,515,403
67$50,056,740$22,294,255$17,418,305$43,029,718
68$55,079,284$23,303,431$17,918,575$46,882,921
69$60,611,505$24,359,433$18,432,982$51,108,793
70$66,705,308$25,464,475$18,961,916$55,744,528
71$73,417,889$26,620,874$19,505,780$60,831,078
72$80,812,276$27,831,058$20,064,985$66,413,537
73$88,957,921$29,097,573$20,639,955$72,541,560
74$97,931,360$30,423,086$21,231,125$79,269,828
75$107,816,932$31,810,390$21,838,941$86,658,557
76$118,707,574$33,262,414$22,463,860$94,774,063
77$130,705,700$34,782,226$23,106,354$103,689,381
78$143,924,170$36,373,043$23,766,904$113,484,949
79$158,487,347$38,038,234$24,446,008$124,249,357
80$174,532,280$39,781,332$25,144,173$136,080,185
81$192,209,992$41,606,036$25,861,922$149,084,910
82$211,686,907$43,516,227$26,599,792$163,381,914
83$233,146,419$45,515,970$27,358,332$179,101,597
84$256,790,625$47,609,524$28,138,108$196,387,599
85$282,842,234$49,801,355$28,939,699$215,398,147
86$311,546,664$52,096,144$29,763,702$236,307,540
87$343,174,364$54,498,795$30,610,725$259,307,784
88$378,023,361$57,014,449$31,481,398$284,610,399
89$416,422,081$59,648,494$32,376,361$312,448,401
90$458,732,441$62,406,578$33,296,277$343,078,497
91$505,353,270$65,294,620$34,241,822$376,783,492
92$556,724,073$68,318,825$35,213,692$413,874,949
93$613,329,177$71,485,696$36,212,600$454,696,123
94$675,702,308$74,802,051$37,239,277$499,625,182
95$744,431,626$78,275,033$38,294,475$549,078,768
96$820,165,276$81,912,134$39,378,964$603,515,916
97$903,617,509$85,721,204$40,493,535$663,442,376
98$995,575,425$89,710,473$41,638,998$729,415,365
99$1,096,906,399$93,888,567$42,816,185$802,048,823
100$1,208,566,274$98,264,529$44,025,950$882,019,181