Can I retire at age 52 with 406,000?

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 $406,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$33,527$33,228$32,937$32,653$32,375$31,682
2 years$16,598$16,288$15,989$15,698$15,417$14,722
3 years$10,955$10,645$10,346$10,058$9,781$9,107
4 years$8,134$7,825$7,529$7,246$6,976$6,326
5 years$6,443$6,135$5,843$5,566$5,303$4,680
6 years$5,315$5,010$4,722$4,451$4,196$3,601
7 years$4,510$4,207$3,924$3,659$3,413$2,845
8 years$3,906$3,606$3,328$3,070$2,831$2,291
9 years$3,437$3,140$2,866$2,615$2,384$1,871
10 years$3,062$2,768$2,499$2,254$2,031$1,545
11 years$2,755$2,464$2,200$1,962$1,747$1,287
12 years$2,500$2,211$1,952$1,721$1,514$1,079
13 years$2,284$1,998$1,744$1,519$1,320$910
14 years$2,099$1,817$1,567$1,348$1,157$771
15 years$1,939$1,659$1,415$1,203$1,019$655
16 years$1,799$1,523$1,283$1,077$901$559
17 years$1,675$1,402$1,167$967$799$478
18 years$1,566$1,296$1,066$872$710$409
19 years$1,468$1,201$976$788$633$351
20 years$1,380$1,116$895$714$565$302
21 years$1,300$1,039$824$648$506$260
22 years$1,228$970$759$589$453$224
23 years$1,162$907$701$536$407$193
24 years$1,102$850$648$489$366$167
25 years$1,047$798$600$447$329$144
26 years$996$750$557$408$297$125
27 years$949$706$517$374$267$108
28 years$905$665$481$342$241$93
29 years$864$627$447$314$218$81
30 years$826$592$417$288$197$70
31 years$791$560$388$265$178$61
32 years$758$530$362$243$161$53
33 years$727$502$338$224$146$46
34 years$698$476$316$206$132$40
35 years$671$451$296$189$119$34
36 years$645$428$277$175$108$30
37 years$620$407$259$161$98$26
38 years$597$387$242$148$89$22
39 years$576$368$227$137$81$19
40 years$555$350$213$126$73$17
41 years$535$333$200$116$66$15
42 years$517$317$187$107$60$13
43 years$499$302$176$99$55$11
44 years$482$288$165$91$50$10
45 years$466$275$155$84$45$8
46 years$451$262$145$78$41$7
47 years$436$250$137$72$37$6
48 years$423$239$128$67$34$5
49 years$409$228$121$62$31$5
50 years$396$218$113$57$28$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $406,000, adding $3,913 every year, while hoping to spend $23,652 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: 34/42/24 Blend
51$406,000$406,000$406,000$406,000
52$451,448$429,930$423,637$463,391
53$472,330$425,831$412,664$468,536
54$494,550$420,739$400,530$471,658
55$518,218$414,579$387,171$474,550
56$543,457$407,274$372,522$477,208
57$570,400$398,741$356,512$479,628
58$599,194$388,893$339,069$481,807
59$629,999$377,636$320,115$483,747
60$662,992$364,873$299,571$485,450
61$698,365$350,499$277,355$486,923
62$736,330$334,405$253,378$488,174
63$777,119$316,475$227,550$489,217
64$820,988$296,585$199,776$490,070
65$868,217$274,606$169,956$490,757
66$919,113$250,399$137,987$491,305
67$974,014$223,820$103,761$491,750
68$1,033,291$194,715$67,165$492,137
69$1,097,352$162,921$28,080$492,517
70$1,166,645$128,268$0$492,953
71$1,241,663$90,573$0$497,006
72$1,322,948$49,646$0$509,175
73$1,411,095$5,285$0$522,393
74$1,506,758$0$0$536,812
75$1,610,659$0$0$572,348
76$1,723,589$0$0$613,680
77$1,846,421$0$0$658,691
78$1,980,112$0$0$707,739
79$2,125,719$0$0$761,219
80$2,284,402$0$0$819,564
81$2,457,440$0$0$883,252
82$2,646,238$0$0$952,810
83$2,852,345$0$0$1,028,816
84$3,077,465$0$0$1,111,907
85$3,323,474$0$0$1,202,785
86$3,592,438$0$0$1,302,223
87$3,886,629$0$0$1,411,071
88$4,208,553$0$0$1,530,266
89$4,560,966$0$0$1,660,841
90$4,946,903$0$0$1,803,930
91$5,369,709$0$0$1,960,785
92$5,833,066$0$0$2,132,785
93$6,341,027$0$0$2,321,446
94$6,898,060$0$0$2,528,441
95$7,509,082$0$0$2,755,611
96$8,179,513$0$0$3,004,985
97$8,915,320$0$0$3,278,796
98$9,723,076$0$0$3,579,505
99$10,610,022$0$0$3,909,825
100$11,584,136$0$0$4,272,742