Can I retire at age 52 with 405,000?

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 $405,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$33,445$33,147$32,856$32,572$32,295$31,249
2 years$16,557$16,248$15,949$15,660$15,379$14,334
3 years$10,928$10,618$10,320$10,033$9,757$8,747
4 years$8,114$7,806$7,511$7,228$6,959$5,992
5 years$6,427$6,120$5,829$5,552$5,290$4,368
6 years$5,302$4,997$4,710$4,440$4,186$3,310
7 years$4,499$4,197$3,914$3,650$3,404$2,574
8 years$3,897$3,597$3,320$3,062$2,824$2,039
9 years$3,429$3,132$2,859$2,608$2,378$1,637
10 years$3,054$2,761$2,493$2,248$2,026$1,329
11 years$2,748$2,458$2,195$1,957$1,743$1,087
12 years$2,494$2,206$1,948$1,716$1,510$895
13 years$2,278$1,994$1,740$1,515$1,317$740
14 years$2,094$1,812$1,563$1,345$1,154$615
15 years$1,934$1,655$1,412$1,200$1,016$513
16 years$1,794$1,519$1,280$1,074$898$428
17 years$1,671$1,399$1,165$965$797$359
18 years$1,562$1,292$1,063$870$708$301
19 years$1,464$1,198$973$786$631$253
20 years$1,376$1,113$893$712$564$213
21 years$1,297$1,037$822$646$505$180
22 years$1,225$968$757$587$452$151
23 years$1,159$905$699$535$406$128
24 years$1,099$848$647$488$365$108
25 years$1,044$796$599$446$328$91
26 years$993$748$555$407$296$77
27 years$946$704$516$373$267$65
28 years$903$663$479$342$241$55
29 years$862$626$446$313$217$47
30 years$824$591$416$288$196$40
31 years$789$559$387$264$178$33
32 years$756$529$361$243$161$28
33 years$725$501$338$223$145$24
34 years$696$474$315$205$132$20
35 years$669$450$295$189$119$17
36 years$643$427$276$174$108$15
37 years$619$406$258$160$98$12
38 years$596$386$242$148$89$10
39 years$574$367$227$136$80$9
40 years$554$349$212$126$73$8
41 years$534$332$199$116$66$6
42 years$516$316$187$107$60$5
43 years$498$301$175$99$55$5
44 years$481$287$164$91$49$4
45 years$465$274$154$84$45$3
46 years$450$261$145$78$41$3
47 years$435$249$136$72$37$2
48 years$421$238$128$66$34$2
49 years$408$227$120$61$31$2
50 years$395$217$113$57$28$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $405,000, adding $5,346 every year, while hoping to spend $26,090 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: 69/26/5 Blend
51$405,000$405,000$405,000$405,000
52$451,824$430,359$424,082$482,381
53$470,151$423,687$410,529$496,618
54$489,472$415,814$395,648$508,467
55$509,863$406,653$379,366$520,708
56$531,402$396,113$361,608$533,373
57$554,179$384,096$342,296$546,498
58$578,290$370,501$321,347$560,125
59$603,838$355,219$298,675$574,298
60$630,939$338,134$274,191$589,070
61$659,718$319,126$247,799$604,497
62$690,312$298,065$219,403$620,643
63$722,870$274,817$188,900$637,581
64$757,557$249,238$156,182$655,390
65$794,553$221,174$121,139$674,160
66$834,053$190,468$83,652$693,991
67$876,273$156,947$43,602$714,993
68$921,450$120,435$859$737,292
69$969,842$80,741$0$761,026
70$1,021,735$37,666$0$788,737
71$1,077,439$0$0$818,414
72$1,137,296$0$0$852,786
73$1,201,683$0$0$901,367
74$1,271,011$0$0$953,693
75$1,345,733$0$0$1,010,109
76$1,426,348$0$0$1,070,992
77$1,513,400$0$0$1,136,757
78$1,607,491$0$0$1,207,861
79$1,709,280$0$0$1,284,804
80$1,819,494$0$0$1,368,139
81$1,938,929$0$0$1,458,471
82$2,068,463$0$0$1,556,467
83$2,209,059$0$0$1,662,859
84$2,361,780$0$0$1,778,453
85$2,527,791$0$0$1,904,136
86$2,708,376$0$0$2,040,884
87$2,904,947$0$0$2,189,770
88$3,119,058$0$0$2,351,974
89$3,352,420$0$0$2,528,797
90$3,606,914$0$0$2,721,670
91$3,884,611$0$0$2,932,165
92$4,187,793$0$0$3,162,017
93$4,518,967$0$0$3,413,133
94$4,880,898$0$0$3,687,614
95$5,276,627$0$0$3,987,771
96$5,709,504$0$0$4,316,152
97$6,183,217$0$0$4,675,558
98$6,701,825$0$0$5,069,077
99$7,269,800$0$0$5,500,108
100$7,892,068$0$0$5,972,395