Can I retire at age 52 with 11,200,000?

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 $11,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$924,886$916,647$908,609$900,764$893,104$885,621
2 years$457,864$449,337$441,073$433,060$425,287$417,746
3 years$302,211$293,647$285,403$277,466$269,820$262,453
4 years$224,399$215,861$207,700$199,898$192,438$185,302
5 years$177,725$169,238$161,184$153,541$146,288$139,405
6 years$146,618$138,195$130,261$122,788$115,753$109,131
7 years$124,408$116,056$108,247$100,951$94,138$87,781
8 years$107,758$99,482$91,802$84,685$78,097$72,003
9 years$94,815$86,617$79,069$72,133$65,769$59,938
10 years$84,467$76,348$68,934$62,179$56,038$50,466
11 years$76,005$67,969$60,689$54,115$48,195$42,878
12 years$68,959$61,005$53,860$47,466$41,764$36,697
13 years$63,002$55,131$48,120$41,905$36,419$31,596
14 years$57,900$50,112$43,236$37,199$31,925$27,340
15 years$53,482$45,778$39,036$33,175$28,109$23,756
16 years$49,620$42,001$35,392$29,704$24,843$20,715
17 years$46,216$38,681$32,205$26,689$22,028$18,117
18 years$43,194$35,743$29,399$24,052$19,586$15,886
19 years$40,493$33,126$26,914$21,733$17,457$13,960
20 years$38,065$30,783$24,700$19,684$15,593$12,291
21 years$35,871$28,673$22,719$17,864$13,954$10,840
22 years$33,880$26,765$20,939$16,243$12,508$9,574
23 years$32,064$25,033$19,334$14,793$11,228$8,467
24 years$30,402$23,454$17,881$13,492$10,092$7,495
25 years$28,875$22,010$16,561$12,321$9,081$6,642
26 years$27,468$20,686$15,359$11,266$8,180$5,891
27 years$26,168$19,468$14,263$10,312$7,375$5,229
28 years$24,962$18,345$13,259$9,448$6,655$4,644
29 years$23,842$17,306$12,339$8,664$6,009$4,127
30 years$22,798$16,344$11,493$7,951$5,429$3,670
31 years$21,824$15,450$10,715$7,303$4,909$3,264
32 years$20,912$14,619$9,997$6,711$4,440$2,905
33 years$20,058$13,845$9,334$6,172$4,018$2,586
34 years$19,255$13,122$8,721$5,679$3,638$2,303
35 years$18,500$12,446$8,154$5,227$3,295$2,052
36 years$17,788$11,813$7,628$4,814$2,986$1,828
37 years$17,117$11,219$7,139$4,436$2,706$1,629
38 years$16,482$10,662$6,686$4,089$2,453$1,452
39 years$15,881$10,139$6,264$3,770$2,225$1,295
40 years$15,312$9,646$5,871$3,477$2,018$1,155
41 years$14,772$9,182$5,505$3,208$1,831$1,030
42 years$14,259$8,745$5,164$2,961$1,661$918
43 years$13,771$8,332$4,846$2,733$1,508$819
44 years$13,307$7,942$4,549$2,524$1,368$731
45 years$12,865$7,574$4,271$2,331$1,242$652
46 years$12,443$7,225$4,011$2,153$1,128$582
47 years$12,040$6,895$3,769$1,989$1,024$519
48 years$11,655$6,582$3,541$1,838$930$463
49 years$11,287$6,286$3,329$1,698$845$413
50 years$10,935$6,004$3,130$1,570$767$369

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $11,200,000, adding $3,208 every year, while hoping to spend $24,876 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: 62/22/16 Blend
51$11,200,000$11,200,000$11,200,000$11,200,000
52$12,345,709$11,752,109$11,578,509$13,061,594
53$13,578,504$12,301,495$11,939,921$14,092,802
54$14,936,209$12,876,966$12,312,607$15,214,942
55$16,431,541$13,479,776$12,696,918$16,439,347
56$18,078,509$14,111,236$13,093,216$17,775,952
57$19,892,554$14,772,723$13,501,875$19,235,686
58$21,890,687$15,465,679$13,923,280$20,830,569
59$24,091,655$16,191,616$14,357,829$22,573,825
60$26,516,119$16,952,120$14,805,930$24,480,002
61$29,186,842$17,748,852$15,268,008$26,565,108
62$32,128,910$18,583,556$15,744,496$28,846,757
63$35,369,966$19,458,058$16,235,845$31,344,331
64$38,940,474$20,374,274$16,742,517$34,079,162
65$42,874,001$21,334,212$17,264,989$37,074,729
66$47,207,538$22,339,977$17,803,755$40,356,871
67$51,981,847$23,393,777$18,359,322$43,954,034
68$57,241,850$24,497,926$18,932,213$47,897,529
69$63,037,045$25,654,851$19,522,969$52,221,826
70$69,421,980$26,867,095$20,132,145$56,964,873
71$76,456,766$28,137,327$20,760,316$62,168,451
72$84,207,644$29,468,343$21,408,074$67,878,561
73$92,747,608$30,863,077$22,076,029$74,145,855
74$102,157,098$32,324,601$22,764,810$81,026,106
75$112,524,756$33,856,142$23,475,066$88,580,729
76$123,948,267$35,461,078$24,207,466$96,877,356
77$136,535,274$37,142,955$24,962,700$105,990,467
78$150,404,401$38,905,488$25,741,479$116,002,084
79$165,686,368$40,752,576$26,544,537$127,002,544
80$182,525,229$42,688,303$27,372,630$139,091,336
81$201,079,727$44,716,955$28,226,538$152,378,039
82$221,524,798$46,843,024$29,107,065$166,983,345
83$244,053,216$49,071,221$30,015,041$183,040,190
84$268,877,418$51,406,485$30,951,319$200,695,001
85$296,231,509$53,853,997$31,916,782$220,109,069
86$326,373,468$56,419,188$32,912,339$241,460,059
87$359,587,586$59,107,752$33,938,927$264,943,681
88$396,187,151$61,925,664$34,997,513$290,775,523
89$436,517,403$64,879,184$36,089,092$319,193,078
90$480,958,795$67,974,880$37,214,693$350,457,971
91$529,930,582$71,219,639$38,375,375$384,858,419
92$583,894,782$74,620,682$39,572,231$422,711,938
93$643,360,535$78,185,581$40,806,387$464,368,329
94$708,888,913$81,922,278$42,079,004$510,212,961
95$781,098,212$85,839,099$43,391,280$560,670,401
96$860,669,792$89,944,778$44,744,450$616,208,399
97$948,354,509$94,248,470$46,139,788$677,342,296
98$1,044,979,804$98,759,781$47,578,606$744,639,865
99$1,151,457,513$103,488,779$49,062,259$818,726,657
100$1,268,792,476$108,446,026$50,592,141$900,291,888