Can I retire at age 52 with 11,300,000?

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 $11,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$933,143$924,831$916,722$908,807$901,078$868,071
2 years$461,952$453,349$445,011$436,926$429,085$396,199
3 years$304,909$296,268$287,951$279,943$272,229$240,498
4 years$226,403$217,789$209,555$201,683$194,156$163,821
5 years$179,311$170,749$162,623$154,912$147,594$118,735
6 years$147,927$139,429$131,424$123,884$116,786$89,424
7 years$125,519$117,093$109,214$101,852$94,979$69,106
8 years$108,720$100,370$92,622$85,441$78,794$54,388
9 years$95,662$87,390$79,775$72,777$66,356$43,384
10 years$85,221$77,030$69,550$62,734$56,538$34,959
11 years$76,684$68,575$61,231$54,598$48,625$28,393
12 years$69,575$61,550$54,341$47,890$42,137$23,202
13 years$63,564$55,623$48,550$42,279$36,745$19,054
14 years$58,417$50,560$43,622$37,531$32,210$15,709
15 years$53,959$46,187$39,385$33,471$28,360$12,992
16 years$50,063$42,376$35,708$29,970$25,065$10,773
17 years$46,629$39,027$32,493$26,927$22,224$8,952
18 years$43,580$36,062$29,662$24,267$19,761$7,452
19 years$40,855$33,422$27,154$21,927$17,613$6,212
20 years$38,405$31,057$24,921$19,859$15,732$5,185
21 years$36,192$28,929$22,922$18,024$14,079$4,332
22 years$34,182$27,004$21,126$16,388$12,620$3,622
23 years$32,350$25,256$19,506$14,925$11,328$3,030
24 years$30,673$23,664$18,040$13,612$10,182$2,537
25 years$29,133$22,207$16,709$12,431$9,162$2,125
26 years$27,714$20,871$15,497$11,367$8,253$1,780
27 years$26,402$19,642$14,390$10,404$7,441$1,492
28 years$25,185$18,509$13,377$9,532$6,714$1,251
29 years$24,055$17,461$12,449$8,741$6,063$1,049
30 years$23,002$16,490$11,596$8,022$5,478$880
31 years$22,019$15,588$10,810$7,368$4,953$738
32 years$21,099$14,750$10,086$6,771$4,480$619
33 years$20,237$13,968$9,417$6,227$4,054$520
34 years$19,427$13,239$8,799$5,729$3,671$436
35 years$18,665$12,557$8,227$5,274$3,325$366
36 years$17,947$11,918$7,696$4,857$3,012$307
37 years$17,269$11,320$7,203$4,475$2,730$258
38 years$16,629$10,758$6,745$4,125$2,475$217
39 years$16,023$10,229$6,320$3,803$2,245$182
40 years$15,449$9,732$5,923$3,508$2,036$153
41 years$14,904$9,264$5,554$3,237$1,847$128
42 years$14,387$8,823$5,210$2,987$1,676$108
43 years$13,894$8,407$4,889$2,757$1,521$90
44 years$13,426$8,013$4,589$2,546$1,381$76
45 years$12,980$7,641$4,309$2,351$1,253$64
46 years$12,554$7,290$4,047$2,172$1,138$53
47 years$12,148$6,956$3,802$2,007$1,033$45
48 years$11,759$6,641$3,573$1,854$938$38
49 years$11,388$6,342$3,358$1,714$852$32
50 years$11,033$6,058$3,157$1,584$774$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $11,300,000, adding $4,155 every year, while hoping to spend $27,016 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: 65/24/11 Blend
51$11,300,000$11,300,000$11,300,000$11,300,000
52$12,456,886$11,857,986$11,682,836$13,236,047
53$13,698,743$12,410,282$12,045,466$14,308,561
54$15,066,365$12,988,736$12,419,339$15,476,398
55$16,572,550$13,594,600$12,804,803$16,751,708
56$18,231,402$14,229,187$13,202,216$18,144,967
57$20,058,464$14,893,876$13,611,949$19,667,695
58$22,070,861$15,590,110$14,034,382$21,332,566
59$24,287,465$16,319,401$14,469,910$23,153,526
60$26,729,072$17,083,337$14,918,938$25,145,914
61$29,418,598$17,883,582$15,381,883$27,326,613
62$32,381,295$18,721,877$15,859,176$29,714,198
63$35,644,990$19,600,052$16,351,261$32,329,113
64$39,240,347$20,520,023$16,858,597$35,193,856
65$43,201,157$21,483,799$17,381,655$38,333,193
66$47,564,657$22,493,486$17,920,921$41,774,380
67$52,371,878$23,551,293$18,476,898$45,547,423
68$57,668,037$24,659,535$19,050,103$49,685,352
69$63,502,963$25,820,638$19,641,067$54,224,531
70$69,931,565$27,037,149$20,250,342$59,204,994
71$77,014,350$28,311,734$20,878,494$64,670,819
72$84,817,996$29,647,192$21,526,106$70,670,539
73$93,415,982$31,046,454$22,193,781$77,257,592
74$102,889,279$32,512,598$22,882,139$84,490,825
75$113,327,115$34,048,845$23,591,821$92,435,035
76$124,827,820$35,658,577$24,323,486$101,161,581
77$137,499,748$37,345,338$25,077,814$110,749,050
78$151,462,307$39,112,844$25,855,505$121,283,986
79$166,847,081$40,964,993$26,657,283$132,861,707
80$183,799,074$42,905,868$27,483,893$145,587,193
81$202,478,079$44,939,754$28,336,102$159,576,070
82$223,060,184$47,071,143$29,214,703$174,955,690
83$245,739,438$49,304,745$30,120,511$191,866,330
84$270,729,680$51,645,496$31,054,367$210,462,501
85$298,266,559$54,098,577$32,017,140$230,914,401
86$328,609,756$56,669,416$33,009,722$253,409,510
87$362,045,440$59,363,706$34,033,037$278,154,346
88$398,888,964$62,187,417$35,088,033$305,376,410
89$439,487,847$65,146,809$36,175,691$335,326,316
90$484,225,051$68,248,446$37,297,019$368,280,147
91$533,522,597$71,499,210$38,453,060$404,542,049
92$587,845,550$74,906,320$39,644,886$444,447,088
93$647,706,409$78,477,343$40,873,603$488,364,397
94$713,669,945$82,220,215$42,140,351$536,700,649
95$786,358,533$86,143,259$43,446,306$589,903,882
96$866,458,026$90,255,201$44,792,679$648,467,705
97$954,724,230$94,565,192$46,180,720$712,935,952
98$1,051,990,044$99,082,828$47,611,717$783,907,786
99$1,159,173,315$103,818,173$49,086,995$862,043,350
100$1,277,285,508$108,781,779$50,607,925$948,069,966