Can I retire at age 52 with 400,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$33,032$32,737$32,450$32,170$31,897$31,037
2 years$16,352$16,048$15,753$15,466$15,189$14,329
3 years$10,793$10,487$10,193$9,909$9,636$8,804
4 years$8,014$7,709$7,418$7,139$6,873$6,073
5 years$6,347$6,044$5,757$5,484$5,225$4,460
6 years$5,236$4,936$4,652$4,385$4,134$3,405
7 years$4,443$4,145$3,866$3,605$3,362$2,669
8 years$3,849$3,553$3,279$3,024$2,789$2,132
9 years$3,386$3,093$2,824$2,576$2,349$1,727
10 years$3,017$2,727$2,462$2,221$2,001$1,413
11 years$2,714$2,427$2,167$1,933$1,721$1,167
12 years$2,463$2,179$1,924$1,695$1,492$969
13 years$2,250$1,969$1,719$1,497$1,301$810
14 years$2,068$1,790$1,544$1,329$1,140$679
15 years$1,910$1,635$1,394$1,185$1,004$572
16 years$1,772$1,500$1,264$1,061$887$483
17 years$1,651$1,381$1,150$953$787$409
18 years$1,543$1,277$1,050$859$699$346
19 years$1,446$1,183$961$776$623$294
20 years$1,359$1,099$882$703$557$250
21 years$1,281$1,024$811$638$498$213
22 years$1,210$956$748$580$447$182
23 years$1,145$894$690$528$401$155
24 years$1,086$838$639$482$360$133
25 years$1,031$786$591$440$324$113
26 years$981$739$549$402$292$97
27 years$935$695$509$368$263$83
28 years$892$655$474$337$238$71
29 years$852$618$441$309$215$61
30 years$814$584$410$284$194$52
31 years$779$552$383$261$175$44
32 years$747$522$357$240$159$38
33 years$716$494$333$220$144$33
34 years$688$469$311$203$130$28
35 years$661$444$291$187$118$24
36 years$635$422$272$172$107$21
37 years$611$401$255$158$97$18
38 years$589$381$239$146$88$15
39 years$567$362$224$135$79$13
40 years$547$345$210$124$72$11
41 years$528$328$197$115$65$10
42 years$509$312$184$106$59$8
43 years$492$298$173$98$54$7
44 years$475$284$162$90$49$6
45 years$459$270$153$83$44$5
46 years$444$258$143$77$40$4
47 years$430$246$135$71$37$4
48 years$416$235$126$66$33$3
49 years$403$224$119$61$30$3
50 years$391$214$112$56$27$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $400,000, adding $6,328 every year, while hoping to spend $32,200 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: 64/19/17 Blend
51$400,000$400,000$400,000$400,000
52$447,327$426,127$419,927$473,678
53$458,694$412,747$399,734$478,754
54$470,141$397,632$377,786$480,046
55$481,643$380,663$353,989$480,683
56$493,169$361,714$328,246$480,605
57$504,687$340,652$300,457$479,743
58$516,157$317,337$270,514$478,024
59$527,538$291,619$238,309$475,367
60$538,779$263,341$203,725$471,687
61$549,826$232,336$166,641$466,891
62$560,616$198,429$126,932$460,878
63$571,081$161,433$84,466$453,538
64$581,141$121,154$39,106$444,754
65$590,710$77,382$0$434,397
66$599,689$29,901$0$424,016
67$607,968$0$0$419,452
68$615,426$0$0$417,969
69$621,926$0$0$422,047
70$627,317$0$0$425,327
71$631,429$0$0$427,688
72$634,074$0$0$428,998
73$635,044$0$0$429,109
74$634,106$0$0$427,856
75$631,003$0$0$425,057
76$625,447$0$0$420,509
77$617,123$0$0$413,989
78$605,678$0$0$405,247
79$590,721$0$0$394,009
80$571,823$0$0$379,967
81$548,503$0$0$362,786
82$520,233$0$0$342,089
83$486,426$0$0$317,464
84$446,435$0$0$288,453
85$399,542$0$0$254,548
86$344,955$0$0$215,191
87$281,796$0$0$169,761
88$209,097$0$0$117,575
89$125,788$0$0$57,877
90$30,685$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0