Can I retire at age 52 with 404,000?

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 $404,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$33,362$33,065$32,775$32,492$32,216$31,272
2 years$16,516$16,208$15,910$15,621$15,341$14,398
3 years$10,901$10,592$10,295$10,009$9,733$8,820
4 years$8,094$7,786$7,492$7,211$6,942$6,066
5 years$6,411$6,105$5,814$5,538$5,277$4,441
6 years$5,289$4,985$4,699$4,429$4,175$3,380
7 years$4,488$4,186$3,905$3,641$3,396$2,640
8 years$3,887$3,588$3,311$3,055$2,817$2,101
9 years$3,420$3,124$2,852$2,602$2,372$1,696
10 years$3,047$2,754$2,487$2,243$2,021$1,383
11 years$2,742$2,452$2,189$1,952$1,738$1,137
12 years$2,487$2,201$1,943$1,712$1,507$941
13 years$2,273$1,989$1,736$1,512$1,314$783
14 years$2,089$1,808$1,560$1,342$1,152$654
15 years$1,929$1,651$1,408$1,197$1,014$548
16 years$1,790$1,515$1,277$1,071$896$461
17 years$1,667$1,395$1,162$963$795$388
18 years$1,558$1,289$1,060$868$706$328
19 years$1,461$1,195$971$784$630$277
20 years$1,373$1,110$891$710$562$235
21 years$1,294$1,034$820$644$503$199
22 years$1,222$965$755$586$451$169
23 years$1,157$903$697$534$405$143
24 years$1,097$846$645$487$364$122
25 years$1,042$794$597$444$328$104
26 years$991$746$554$406$295$88
27 years$944$702$514$372$266$75
28 years$900$662$478$341$240$64
29 years$860$624$445$313$217$54
30 years$822$590$415$287$196$46
31 years$787$557$386$263$177$40
32 years$754$527$361$242$160$34
33 years$724$499$337$223$145$29
34 years$695$473$315$205$131$24
35 years$667$449$294$189$119$21
36 years$642$426$275$174$108$18
37 years$617$405$258$160$98$15
38 years$595$385$241$147$88$13
39 years$573$366$226$136$80$11
40 years$552$348$212$125$73$9
41 years$533$331$199$116$66$8
42 years$514$315$186$107$60$7
43 years$497$301$175$99$54$6
44 years$480$286$164$91$49$5
45 years$464$273$154$84$45$4
46 years$449$261$145$78$41$4
47 years$434$249$136$72$37$3
48 years$420$237$128$66$34$3
49 years$407$227$120$61$30$2
50 years$394$217$113$57$28$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $404,000, adding $2,591 every year, while hoping to spend $24,433 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: 55/25/20 Blend
51$404,000$404,000$404,000$404,000
52$447,881$426,469$420,207$469,958
53$467,568$421,369$408,287$480,241
54$488,444$415,201$395,149$488,622
55$510,606$407,885$380,727$497,218
56$534,156$399,340$364,950$506,055
57$559,210$389,478$347,745$515,165
58$585,892$378,205$329,038$524,584
59$614,340$365,424$308,747$534,352
60$644,702$351,030$286,790$544,515
61$677,145$334,913$263,080$555,128
62$711,847$316,957$237,527$566,248
63$749,006$297,039$210,035$577,946
64$788,839$275,028$180,505$590,296
65$831,582$250,786$148,834$603,385
66$877,498$224,169$114,914$617,312
67$926,871$195,022$78,632$632,186
68$980,017$163,182$39,871$648,131
69$1,037,279$128,479$0$665,284
70$1,099,037$90,729$0$684,121
71$1,165,706$49,743$0$713,599
72$1,237,745$5,318$0$745,423
73$1,315,656$0$0$779,841
74$1,399,991$0$0$828,894
75$1,491,358$0$0$883,653
76$1,590,424$0$0$943,058
77$1,697,923$0$0$1,007,555
78$1,814,663$0$0$1,077,633
79$1,941,533$0$0$1,153,828
80$2,079,510$0$0$1,236,733
81$2,229,668$0$0$1,326,999
82$2,393,191$0$0$1,425,341
83$2,571,380$0$0$1,532,549
84$2,765,668$0$0$1,649,489
85$2,977,632$0$0$1,777,117
86$3,209,007$0$0$1,916,483
87$3,461,703$0$0$2,068,745
88$3,737,824$0$0$2,235,176
89$4,039,685$0$0$2,417,178
90$4,369,834$0$0$2,616,296
91$4,731,078$0$0$2,834,230
92$5,126,509$0$0$3,072,853
93$5,559,528$0$0$3,334,224
94$6,033,884$0$0$3,620,616
95$6,553,704$0$0$3,934,529
96$7,123,533$0$0$4,278,715
97$7,748,377$0$0$4,656,209
98$8,433,750$0$0$5,070,351
99$9,185,724$0$0$5,524,821
100$10,010,990$0$0$6,023,671