Can I retire at age 52 with 11,500,000?

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 $11,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.1%
1 years$949,659$941,200$932,947$924,892$917,026$890,527
2 years$470,128$461,373$452,887$444,660$436,679$410,192
3 years$310,306$301,512$293,048$284,898$277,047$251,402
4 years$230,410$221,643$213,264$205,253$197,592$172,986
5 years$182,485$173,771$165,501$157,654$150,207$126,706
6 years$150,546$141,897$133,750$126,077$118,853$96,481
7 years$127,741$119,165$111,147$103,655$96,660$75,414
8 years$110,645$102,146$94,261$86,953$80,188$60,058
9 years$97,355$88,937$81,187$74,065$67,530$48,495
10 years$86,729$78,393$70,781$63,845$57,539$39,573
11 years$78,041$69,789$62,314$55,564$49,486$32,559
12 years$70,806$62,639$55,302$48,737$42,883$26,962
13 years$64,689$56,607$49,409$43,028$37,395$22,445
14 years$59,451$51,454$44,394$38,195$32,780$18,763
15 years$54,914$47,005$40,082$34,063$28,862$15,740
16 years$50,949$43,126$36,340$30,500$25,509$13,242
17 years$47,454$39,717$33,068$27,404$22,618$11,166
18 years$44,351$36,701$30,187$24,697$20,111$9,435
19 years$41,578$34,014$27,635$22,315$17,925$7,985
20 years$39,085$31,607$25,362$20,211$16,011$6,767
21 years$36,832$29,441$23,328$18,343$14,328$5,741
22 years$34,787$27,482$21,500$16,678$12,843$4,876
23 years$32,923$25,703$19,852$15,189$11,529$4,145
24 years$31,216$24,082$18,359$13,853$10,362$3,525
25 years$29,649$22,600$17,005$12,651$9,324$3,001
26 years$28,204$21,240$15,771$11,568$8,399$2,555
27 years$26,869$19,990$14,645$10,588$7,572$2,177
28 years$25,631$18,836$13,614$9,701$6,833$1,855
29 years$24,481$17,770$12,669$8,896$6,170$1,581
30 years$23,409$16,782$11,801$8,164$5,575$1,348
31 years$22,408$15,864$11,002$7,498$5,040$1,150
32 years$21,472$15,011$10,265$6,891$4,559$981
33 years$20,595$14,215$9,584$6,337$4,126$837
34 years$19,771$13,473$8,955$5,831$3,736$714
35 years$18,995$12,779$8,372$5,367$3,384$609
36 years$18,265$12,129$7,832$4,943$3,066$520
37 years$17,575$11,520$7,331$4,555$2,779$444
38 years$16,923$10,948$6,865$4,198$2,519$379
39 years$16,307$10,410$6,432$3,871$2,284$323
40 years$15,722$9,905$6,028$3,570$2,072$276
41 years$15,168$9,428$5,653$3,294$1,880$236
42 years$14,641$8,979$5,302$3,040$1,706$201
43 years$14,140$8,555$4,976$2,806$1,548$172
44 years$13,664$8,155$4,670$2,591$1,405$147
45 years$13,209$7,777$4,385$2,393$1,276$125
46 years$12,776$7,419$4,119$2,210$1,158$107
47 years$12,363$7,080$3,870$2,042$1,052$91
48 years$11,967$6,758$3,636$1,887$955$78
49 years$11,590$6,454$3,418$1,744$867$67
50 years$11,228$6,165$3,213$1,612$788$57

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $11,500,000, adding $3,812 every year, while hoping to spend $42,457 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: 78/16/6 Blend
51$11,500,000$11,500,000$11,500,000$11,500,000
52$12,676,932$12,067,432$11,889,182$13,658,878
53$13,924,805$12,613,562$12,242,296$14,849,450
54$15,298,538$13,185,030$12,605,816$16,148,840
55$16,810,925$13,783,032$12,980,046$17,572,533
56$18,476,060$14,408,822$13,365,299$19,132,874
57$20,309,478$15,063,713$13,761,896$20,843,456
58$22,328,293$15,749,084$14,170,168$22,719,243
59$24,551,366$16,466,376$14,590,455$24,776,708
60$26,999,478$17,217,101$15,023,109$27,033,991
61$29,695,530$18,002,844$15,468,488$29,511,065
62$32,664,755$18,825,265$15,926,963$32,229,920
63$35,934,961$19,686,103$16,398,917$35,214,775
64$39,536,786$20,587,182$16,884,740$38,492,296
65$43,503,997$21,530,412$17,384,837$42,091,854
66$47,873,798$22,517,795$17,899,623$46,045,789
67$52,687,189$23,551,431$18,429,524$50,389,723
68$57,989,350$24,633,519$18,974,980$55,162,885
69$63,830,065$25,766,363$19,536,444$60,408,486
70$70,264,196$26,952,379$20,114,379$66,174,115
71$77,352,197$28,194,099$20,709,264$72,512,192
72$85,160,688$29,494,176$21,321,590$79,480,456
73$93,763,079$30,855,392$21,951,865$87,142,507
74$103,240,269$32,280,661$22,600,608$95,568,402
75$113,681,402$33,773,040$23,268,354$104,835,315
76$125,184,716$35,335,730$23,955,655$115,028,256
77$137,858,464$36,972,087$24,663,076$126,240,876
78$151,821,939$38,685,631$25,391,201$138,576,340
79$167,206,598$40,480,048$26,140,628$152,148,301
80$184,157,305$42,359,205$26,911,973$167,081,965
81$202,833,698$44,327,153$27,705,871$183,515,269
82$223,411,691$46,388,140$28,522,974$201,600,176
83$246,085,141$48,546,617$29,363,951$221,504,108
84$271,067,675$50,807,251$30,229,494$243,411,515
85$298,594,706$53,174,934$31,120,310$267,525,614
86$328,925,656$55,654,795$32,037,129$294,070,300
87$362,346,402$58,252,209$32,980,703$323,292,251
88$399,171,980$60,972,812$33,951,801$355,463,254
89$439,749,553$63,822,512$34,951,218$390,882,757
90$484,461,693$66,807,500$35,979,769$429,880,693
91$533,729,988$69,934,270$37,038,294$472,820,586
92$588,019,025$73,209,628$38,127,655$520,102,972
93$647,840,774$76,640,708$39,248,740$572,169,172
94$713,759,422$80,234,992$40,402,461$629,505,451
95$786,396,697$84,000,320$41,589,757$692,647,598
96$866,437,738$87,944,914$42,811,593$762,185,970
97$954,637,567$92,077,394$44,068,960$838,771,062
98$1,051,828,208$96,406,795$45,362,880$923,119,630
99$1,158,926,548$100,942,592$46,694,400$1,016,021,450
100$1,276,942,994$105,694,716$48,064,600$1,118,346,758