Can I retire at age 52 with 408,000?

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 $408,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$33,692$33,392$33,099$32,814$32,534$31,244
2 years$16,679$16,369$16,068$15,776$15,493$14,208
3 years$11,009$10,697$10,397$10,108$9,829$8,591
4 years$8,175$7,864$7,566$7,282$7,010$5,829
5 years$6,474$6,165$5,872$5,593$5,329$4,207
6 years$5,341$5,034$4,745$4,473$4,217$3,154
7 years$4,532$4,228$3,943$3,677$3,429$2,426
8 years$3,925$3,624$3,344$3,085$2,845$1,901
9 years$3,454$3,155$2,880$2,628$2,396$1,509
10 years$3,077$2,781$2,511$2,265$2,041$1,210
11 years$2,769$2,476$2,211$1,971$1,756$977
12 years$2,512$2,222$1,962$1,729$1,521$794
13 years$2,295$2,008$1,753$1,527$1,327$649
14 years$2,109$1,826$1,575$1,355$1,163$532
15 years$1,948$1,668$1,422$1,209$1,024$437
16 years$1,808$1,530$1,289$1,082$905$361
17 years$1,684$1,409$1,173$972$802$298
18 years$1,573$1,302$1,071$876$713$246
19 years$1,475$1,207$980$792$636$204
20 years$1,387$1,121$900$717$568$169
21 years$1,307$1,045$828$651$508$141
22 years$1,234$975$763$592$456$117
23 years$1,168$912$704$539$409$97
24 years$1,108$854$651$491$368$81
25 years$1,052$802$603$449$331$67
26 years$1,001$754$560$410$298$56
27 years$953$709$520$376$269$47
28 years$909$668$483$344$242$39
29 years$869$630$449$316$219$32
30 years$831$595$419$290$198$27
31 years$795$563$390$266$179$22
32 years$762$533$364$244$162$19
33 years$731$504$340$225$146$16
34 years$701$478$318$207$133$13
35 years$674$453$297$190$120$11
36 years$648$430$278$175$109$9
37 years$624$409$260$162$99$8
38 years$600$388$244$149$89$6
39 years$579$369$228$137$81$5
40 years$558$351$214$127$74$4
41 years$538$335$201$117$67$4
42 years$519$319$188$108$61$3
43 years$502$304$177$100$55$3
44 years$485$289$166$92$50$2
45 years$469$276$156$85$45$2
46 years$453$263$146$78$41$1
47 years$439$251$137$72$37$1
48 years$425$240$129$67$34$1
49 years$411$229$121$62$31$1
50 years$398$219$114$57$28$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $408,000, adding $3,032 every year, while hoping to spend $20,443 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: 78/14/8 Blend
51$408,000$408,000$408,000$408,000
52$452,744$431,120$424,796$487,318
53$477,172$430,493$417,275$509,819
54$503,407$429,151$408,817$531,534
55$531,612$427,036$399,370$554,749
56$561,964$424,089$388,876$579,603
57$594,660$420,245$377,280$606,251
58$629,916$415,437$364,519$634,863
59$667,968$409,594$350,530$665,627
60$709,075$402,639$335,248$698,750
61$753,524$394,492$318,602$734,460
62$801,629$385,068$300,521$773,009
63$853,735$374,276$280,928$814,673
64$910,222$362,021$259,745$859,758
65$971,506$348,201$236,888$908,602
66$1,038,047$332,711$212,271$961,577
67$1,110,350$315,436$185,804$1,019,092
68$1,188,970$296,256$157,393$1,081,599
69$1,274,519$275,047$126,939$1,149,597
70$1,367,668$251,672$94,340$1,223,637
71$1,469,157$225,991$59,488$1,304,323
72$1,579,801$197,854$22,270$1,392,326
73$1,700,495$167,104$0$1,488,381
74$1,832,227$133,573$0$1,594,793
75$1,976,080$97,085$0$1,713,094
76$2,133,252$57,453$0$1,842,380
77$2,305,056$14,481$0$1,983,755
78$2,492,942$0$0$2,138,431
79$2,698,505$0$0$2,312,685
80$2,923,501$0$0$2,505,867
81$3,169,863$0$0$2,717,408
82$3,439,721$0$0$2,949,138
83$3,735,421$0$0$3,203,073
84$4,059,545$0$0$3,481,433
85$4,414,937$0$0$3,786,662
86$4,804,731$0$0$4,121,454
87$5,232,377$0$0$4,488,774
88$5,701,677$0$0$4,891,889
89$6,216,816$0$0$5,334,397
90$6,782,407$0$0$5,820,262
91$7,403,530$0$0$6,353,851
92$8,085,781$0$0$6,939,974
93$8,835,324$0$0$7,583,929
94$9,658,952$0$0$8,291,554
95$10,564,147$0$0$9,069,280
96$11,559,151$0$0$9,924,192
97$12,653,045$0$0$10,864,094
98$13,855,835$0$0$11,897,588
99$15,178,542$0$0$13,034,146
100$16,633,313$0$0$14,284,207