Can I retire at age 52 with 411,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $411,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$33,940$33,638$33,343$33,055$32,774$31,737
2 years$16,802$16,489$16,186$15,892$15,607$14,572
3 years$11,090$10,776$10,473$10,182$9,901$8,901
4 years$8,235$7,921$7,622$7,336$7,062$6,103
5 years$6,522$6,210$5,915$5,634$5,368$4,454
6 years$5,380$5,071$4,780$4,506$4,248$3,378
7 years$4,565$4,259$3,972$3,705$3,455$2,630
8 years$3,954$3,651$3,369$3,108$2,866$2,086
9 years$3,479$3,179$2,902$2,647$2,413$1,677
10 years$3,100$2,802$2,530$2,282$2,056$1,363
11 years$2,789$2,494$2,227$1,986$1,769$1,116
12 years$2,531$2,239$1,976$1,742$1,533$920
13 years$2,312$2,023$1,766$1,538$1,336$762
14 years$2,125$1,839$1,587$1,365$1,172$634
15 years$1,963$1,680$1,432$1,217$1,032$529
16 years$1,821$1,541$1,299$1,090$912$443
17 years$1,696$1,419$1,182$979$808$372
18 years$1,585$1,312$1,079$883$719$312
19 years$1,486$1,216$988$798$641$263
20 years$1,397$1,130$906$722$572$222
21 years$1,316$1,052$834$656$512$187
22 years$1,243$982$768$596$459$158
23 years$1,177$919$709$543$412$134
24 years$1,116$861$656$495$370$113
25 years$1,060$808$608$452$333$96
26 years$1,008$759$564$413$300$81
27 years$960$714$523$378$271$69
28 years$916$673$487$347$244$58
29 years$875$635$453$318$221$49
30 years$837$600$422$292$199$42
31 years$801$567$393$268$180$35
32 years$767$536$367$246$163$30
33 years$736$508$343$226$147$25
34 years$707$482$320$208$134$22
35 years$679$457$299$192$121$18
36 years$653$433$280$177$110$16
37 years$628$412$262$163$99$13
38 years$605$391$245$150$90$11
39 years$583$372$230$138$82$10
40 years$562$354$215$128$74$8
41 years$542$337$202$118$67$7
42 years$523$321$190$109$61$6
43 years$505$306$178$100$55$5
44 years$488$291$167$93$50$4
45 years$472$278$157$86$46$4
46 years$457$265$147$79$41$3
47 years$442$253$138$73$38$3
48 years$428$242$130$67$34$2
49 years$414$231$122$62$31$2
50 years$401$220$115$58$28$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $411,000, adding $4,137 every year, while hoping to spend $27,880 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: 70/23/7 Blend
51$411,000$411,000$411,000$411,000
52$457,189$435,406$429,036$488,402
53$474,159$427,077$413,744$501,261
54$491,924$417,405$397,006$511,500
55$510,538$406,296$378,744$521,940
56$530,056$393,648$358,875$532,591
57$550,540$379,354$337,315$543,471
58$572,055$363,303$313,975$554,597
59$594,674$345,374$288,762$565,988
60$618,474$325,440$261,579$577,667
61$643,540$303,369$232,324$589,660
62$669,966$279,019$200,892$601,998
63$697,852$252,240$167,172$614,714
64$727,309$222,876$131,047$627,847
65$758,455$190,757$92,398$641,440
66$791,423$155,710$51,099$655,543
67$826,355$117,547$7,018$670,211
68$863,407$76,071$0$685,509
69$902,751$31,075$0$704,497
70$944,574$0$0$725,020
71$989,079$0$0$751,124
72$1,036,490$0$0$787,324
73$1,087,053$0$0$825,944
74$1,141,036$0$0$867,189
75$1,198,733$0$0$911,287
76$1,260,467$0$0$958,485
77$1,326,590$0$0$1,009,057
78$1,397,491$0$0$1,063,300
79$1,473,595$0$0$1,121,543
80$1,555,368$0$0$1,184,144
81$1,643,324$0$0$1,251,500
82$1,738,024$0$0$1,324,043
83$1,840,087$0$0$1,402,249
84$1,950,191$0$0$1,486,641
85$2,069,082$0$0$1,577,795
86$2,197,578$0$0$1,676,341
87$2,336,581$0$0$1,782,973
88$2,487,080$0$0$1,898,455
89$2,650,163$0$0$2,023,625
90$2,827,027$0$0$2,159,405
91$3,018,987$0$0$2,306,810
92$3,227,490$0$0$2,466,956
93$3,454,129$0$0$2,641,069
94$3,700,654$0$0$2,830,499
95$3,968,992$0$0$3,036,734
96$4,261,263$0$0$3,261,406
97$4,579,800$0$0$3,506,314
98$4,927,169$0$0$3,773,439
99$5,306,198$0$0$4,064,960
100$5,719,997$0$0$4,383,274