Can I retire at age 52 with 11,600,000?

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 $11,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$957,917$949,385$941,060$932,934$925,000$889,354
2 years$474,216$465,385$456,825$448,526$440,476$404,988
3 years$313,004$304,134$295,596$287,375$279,456$245,243
4 years$232,413$223,571$215,118$207,038$199,311$166,633
5 years$184,072$175,282$166,941$159,025$151,513$120,455
6 years$151,855$143,131$134,913$127,173$119,887$90,470
7 years$128,851$120,201$112,113$104,556$97,500$69,714
8 years$111,607$103,035$95,081$87,710$80,886$54,704
9 years$98,201$89,710$81,893$74,709$68,118$43,502
10 years$87,483$79,075$71,396$64,400$58,040$34,944
11 years$78,720$70,396$62,856$56,047$49,916$28,288
12 years$71,422$63,184$55,783$49,161$43,256$23,039
13 years$65,252$57,100$49,839$43,402$37,720$18,855
14 years$59,968$51,902$44,780$38,527$33,065$15,491
15 years$55,392$47,413$40,431$34,360$29,113$12,766
16 years$51,392$43,501$36,656$30,765$25,730$10,547
17 years$47,867$40,063$33,356$27,642$22,814$8,732
18 years$44,737$37,020$30,449$24,911$20,285$7,242
19 years$41,939$34,309$27,875$22,509$18,081$6,014
20 years$39,425$31,882$25,582$20,387$16,150$5,000
21 years$37,153$29,697$23,531$18,502$14,453$4,161
22 years$35,090$27,721$21,687$16,823$12,955$3,466
23 years$33,209$25,927$20,024$15,321$11,629$2,888
24 years$31,488$24,292$18,519$13,973$10,452$2,408
25 years$29,907$22,797$17,152$12,761$9,405$2,009
26 years$28,449$21,425$15,908$11,668$8,472$1,677
27 years$27,102$20,164$14,772$10,680$7,638$1,400
28 years$25,854$19,000$13,732$9,785$6,892$1,169
29 years$24,694$17,924$12,779$8,973$6,223$976
30 years$23,613$16,928$11,903$8,235$5,623$815
31 years$22,603$16,002$11,097$7,564$5,084$681
32 years$21,659$15,141$10,354$6,951$4,599$569
33 years$20,774$14,339$9,667$6,392$4,162$476
34 years$19,943$13,590$9,033$5,881$3,768$398
35 years$19,160$12,890$8,445$5,414$3,413$332
36 years$18,423$12,235$7,900$4,986$3,092$278
37 years$17,728$11,620$7,394$4,594$2,803$232
38 years$17,071$11,043$6,924$4,235$2,541$194
39 years$16,449$10,501$6,487$3,904$2,304$162
40 years$15,859$9,991$6,081$3,601$2,090$136
41 years$15,300$9,510$5,702$3,323$1,896$113
42 years$14,768$9,057$5,348$3,066$1,720$95
43 years$14,263$8,630$5,019$2,831$1,561$79
44 years$13,782$8,226$4,711$2,614$1,417$66
45 years$13,324$7,844$4,423$2,414$1,287$55
46 years$12,887$7,483$4,155$2,230$1,168$46
47 years$12,470$7,141$3,903$2,060$1,061$39
48 years$12,072$6,817$3,668$1,903$963$32
49 years$11,690$6,510$3,448$1,759$875$27
50 years$11,326$6,219$3,241$1,626$795$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $11,600,000, adding $6,503 every year, while hoping to spend $26,400 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: 35/49/16 Blend
51$11,600,000$11,600,000$11,600,000$11,600,000
52$12,789,908$12,175,108$11,995,308$13,174,302
53$14,066,389$12,743,599$12,369,061$14,022,919
54$15,472,187$13,339,061$12,754,451$14,934,994
55$17,020,463$13,962,788$13,151,838$15,918,538
56$18,725,722$14,616,136$13,561,596$16,979,902
57$20,603,946$15,300,527$13,984,110$18,126,048
58$22,672,747$16,017,452$14,419,777$19,364,598
59$24,951,533$16,768,473$14,869,005$20,703,909
60$27,461,689$17,555,228$15,332,216$22,153,143
61$30,226,782$18,379,435$15,809,846$23,722,342
62$33,272,780$19,242,894$16,302,342$25,422,523
63$36,628,301$20,147,492$16,810,168$27,265,770
64$40,324,878$21,095,210$17,333,799$29,265,342
65$44,397,261$22,088,121$17,873,727$31,435,790
66$48,883,743$23,128,400$18,430,458$33,793,085
67$53,826,523$24,218,330$19,004,517$36,354,762
68$59,272,100$25,360,300$19,596,440$39,140,074
69$65,271,717$26,556,817$20,206,783$42,170,167
70$71,881,842$27,810,511$20,836,120$45,468,265
71$79,164,700$29,124,137$21,485,041$49,059,883
72$87,188,864$30,500,584$22,154,154$52,973,056
73$96,029,897$31,942,881$22,844,087$57,238,589
74$105,771,071$33,454,206$23,555,488$61,890,340
75$116,504,147$35,037,889$24,289,024$66,965,524
76$128,330,246$36,697,422$25,045,382$72,505,052
77$141,360,801$38,436,466$25,825,273$78,553,904
78$155,718,611$40,258,861$26,629,428$85,161,536
79$171,538,996$42,168,632$27,458,600$92,382,337
80$188,971,079$44,170,000$28,313,568$100,276,121
81$208,179,190$46,267,391$29,195,133$108,908,678
82$229,344,419$48,465,445$30,104,123$118,352,376
83$252,666,327$50,769,029$31,041,388$128,686,829
84$278,364,826$53,183,245$32,007,808$139,999,625
85$306,682,258$55,713,443$33,004,289$152,387,134
86$337,885,680$58,365,235$34,031,765$165,955,400
87$372,269,390$61,144,501$35,091,199$180,821,116
88$410,157,698$64,057,412$36,183,585$197,112,704
89$451,907,993$67,110,435$37,309,945$214,971,503
90$497,914,117$70,310,355$38,471,336$234,553,079
91$548,610,077$73,664,283$39,668,846$256,028,665
92$604,474,150$77,179,678$40,903,598$279,586,751
93$666,033,393$80,864,361$42,176,748$305,434,836
94$733,868,619$84,726,535$43,489,489$333,801,353
95$808,619,882$88,774,800$44,843,051$364,937,794
96$890,992,519$93,018,174$46,238,703$399,121,054
97$981,763,808$97,466,116$47,677,751$436,656,006
98$1,081,790,305$102,128,544$49,161,544$477,878,346
99$1,192,015,932$107,015,859$50,691,471$523,157,720
100$1,313,480,888$112,138,967$52,268,966$572,901,177