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%11.2%
1 years$33,445$33,147$32,856$32,572$32,295$32,132
2 years$16,557$16,248$15,949$15,660$15,379$15,214
3 years$10,928$10,618$10,320$10,033$9,757$9,596
4 years$8,114$7,806$7,511$7,228$6,959$6,803
5 years$6,427$6,120$5,829$5,552$5,290$5,139
6 years$5,302$4,997$4,710$4,440$4,186$4,040
7 years$4,499$4,197$3,914$3,650$3,404$3,264
8 years$3,897$3,597$3,320$3,062$2,824$2,690
9 years$3,429$3,132$2,859$2,608$2,378$2,250
10 years$3,054$2,761$2,493$2,248$2,026$1,903
11 years$2,748$2,458$2,195$1,957$1,743$1,625
12 years$2,494$2,206$1,948$1,716$1,510$1,398
13 years$2,278$1,994$1,740$1,515$1,317$1,210
14 years$2,094$1,812$1,563$1,345$1,154$1,052
15 years$1,934$1,655$1,412$1,200$1,016$919
16 years$1,794$1,519$1,280$1,074$898$806
17 years$1,671$1,399$1,165$965$797$709
18 years$1,562$1,292$1,063$870$708$625
19 years$1,464$1,198$973$786$631$552
20 years$1,376$1,113$893$712$564$489
21 years$1,297$1,037$822$646$505$434
22 years$1,225$968$757$587$452$386
23 years$1,159$905$699$535$406$343
24 years$1,099$848$647$488$365$306
25 years$1,044$796$599$446$328$272
26 years$993$748$555$407$296$243
27 years$946$704$516$373$267$217
28 years$903$663$479$342$241$194
29 years$862$626$446$313$217$174
30 years$824$591$416$288$196$155
31 years$789$559$387$264$178$139
32 years$756$529$361$243$161$125
33 years$725$501$338$223$145$112
34 years$696$474$315$205$132$100
35 years$669$450$295$189$119$90
36 years$643$427$276$174$108$81
37 years$619$406$258$160$98$72
38 years$596$386$242$148$89$65
39 years$574$367$227$136$80$58
40 years$554$349$212$126$73$52
41 years$534$332$199$116$66$47
42 years$516$316$187$107$60$42
43 years$498$301$175$99$55$38
44 years$481$287$164$91$49$34
45 years$465$274$154$84$45$31
46 years$450$261$145$78$41$27
47 years$435$249$136$72$37$25
48 years$421$238$128$66$34$22
49 years$408$227$120$61$31$20
50 years$395$217$113$57$28$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $405,000, adding $2,537 every year, while hoping to spend $39,488 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: 66/16/18 Blend
51$405,000$405,000$405,000$405,000
52$448,927$427,462$421,184$476,399
53$452,703$406,393$393,279$474,041
54$455,540$382,967$363,116$466,670
55$457,301$357,029$330,576$457,655
56$457,834$328,412$295,539$446,836
57$456,969$296,940$257,875$434,036
58$454,518$262,428$217,452$419,061
59$450,270$224,679$174,128$401,703
60$443,996$183,486$127,759$381,729
61$435,437$138,630$78,193$358,888
62$424,309$89,880$25,270$332,904
63$410,296$36,992$0$303,477
64$393,049$0$0$276,271
65$372,182$0$0$254,073
66$347,266$0$0$235,427
67$317,827$0$0$213,476
68$283,343$0$0$187,838
69$243,234$0$0$158,092
70$196,860$0$0$123,770
71$143,514$0$0$84,359
72$82,414$0$0$39,289
73$12,695$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$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