Can I retire at age 52 with 401,000?

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 $401,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$33,114$32,819$32,531$32,251$31,976$31,027
2 years$16,393$16,088$15,792$15,505$15,227$14,279
3 years$10,820$10,514$10,218$9,934$9,661$8,743
4 years$8,034$7,729$7,436$7,157$6,890$6,010
5 years$6,363$6,059$5,771$5,497$5,238$4,397
6 years$5,249$4,948$4,664$4,396$4,144$3,345
7 years$4,454$4,155$3,876$3,614$3,370$2,611
8 years$3,858$3,562$3,287$3,032$2,796$2,077
9 years$3,395$3,101$2,831$2,583$2,355$1,675
10 years$3,024$2,734$2,468$2,226$2,006$1,365
11 years$2,721$2,434$2,173$1,937$1,726$1,122
12 years$2,469$2,184$1,928$1,699$1,495$928
13 years$2,256$1,974$1,723$1,500$1,304$771
14 years$2,073$1,794$1,548$1,332$1,143$644
15 years$1,915$1,639$1,398$1,188$1,006$539
16 years$1,777$1,504$1,267$1,064$889$453
17 years$1,655$1,385$1,153$956$789$382
18 years$1,547$1,280$1,053$861$701$322
19 years$1,450$1,186$964$778$625$272
20 years$1,363$1,102$884$705$558$230
21 years$1,284$1,027$813$640$500$195
22 years$1,213$958$750$582$448$165
23 years$1,148$896$692$530$402$140
24 years$1,089$840$640$483$361$119
25 years$1,034$788$593$441$325$101
26 years$983$741$550$403$293$86
27 years$937$697$511$369$264$73
28 years$894$657$475$338$238$62
29 years$854$620$442$310$215$53
30 years$816$585$411$285$194$45
31 years$781$553$384$261$176$38
32 years$749$523$358$240$159$33
33 years$718$496$334$221$144$28
34 years$689$470$312$203$130$24
35 years$662$446$292$187$118$20
36 years$637$423$273$172$107$17
37 years$613$402$256$159$97$15
38 years$590$382$239$146$88$13
39 years$569$363$224$135$80$11
40 years$548$345$210$124$72$9
41 years$529$329$197$115$66$8
42 years$511$313$185$106$59$7
43 years$493$298$173$98$54$6
44 years$476$284$163$90$49$5
45 years$461$271$153$83$44$4
46 years$445$259$144$77$40$3
47 years$431$247$135$71$37$3
48 years$417$236$127$66$33$3
49 years$404$225$119$61$30$2
50 years$392$215$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 $401,000, adding $3,937 every year, while hoping to spend $30,190 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: 33/39/28 Blend
51$401,000$401,000$401,000$401,000
52$445,963$424,710$418,495$456,784
53$459,329$413,399$400,392$454,027
54$473,047$400,522$380,672$448,104
55$487,120$385,970$359,247$441,133
56$501,553$369,628$336,027$433,044
57$516,346$351,375$310,920$423,760
58$531,504$331,083$283,825$413,201
59$547,026$308,614$254,642$401,281
60$562,912$283,826$223,262$387,912
61$579,161$256,566$189,574$372,999
62$595,771$226,673$153,460$356,440
63$612,738$193,978$114,799$338,129
64$630,055$158,301$73,463$317,955
65$647,716$119,453$29,319$295,799
66$665,710$77,233$0$271,534
67$684,025$31,430$0$250,343
68$702,646$0$0$236,464
69$721,556$0$0$228,827
70$740,732$0$0$234,743
71$760,150$0$0$240,714
72$779,780$0$0$246,727
73$799,588$0$0$252,770
74$819,536$0$0$258,827
75$839,577$0$0$264,880
76$859,661$0$0$270,910
77$879,728$0$0$276,894
78$899,712$0$0$282,806
79$919,537$0$0$288,617
80$939,119$0$0$294,296
81$958,360$0$0$299,806
82$977,152$0$0$305,105
83$995,374$0$0$310,149
84$1,012,889$0$0$314,886
85$1,029,544$0$0$319,259
86$1,045,168$0$0$323,204
87$1,059,570$0$0$326,649
88$1,072,536$0$0$329,516
89$1,083,829$0$0$331,717
90$1,093,184$0$0$333,152
91$1,100,305$0$0$333,714
92$1,104,865$0$0$333,279
93$1,106,497$0$0$331,715
94$1,104,798$0$0$328,871
95$1,099,317$0$0$324,581
96$1,089,555$0$0$318,662
97$1,074,957$0$0$310,910
98$1,054,909$0$0$301,099
99$1,028,731$0$0$288,980
100$995,669$0$0$274,275