Can I retire at age 52 with 415,000?

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 $415,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$34,270$33,965$33,667$33,377$33,093$31,957
2 years$16,966$16,650$16,343$16,046$15,758$14,625
3 years$11,198$10,881$10,575$10,281$9,998$8,904
4 years$8,315$7,998$7,696$7,407$7,131$6,083
5 years$6,585$6,271$5,972$5,689$5,420$4,423
6 years$5,433$5,121$4,827$4,550$4,289$3,342
7 years$4,610$4,300$4,011$3,741$3,488$2,592
8 years$3,993$3,686$3,402$3,138$2,894$2,047
9 years$3,513$3,209$2,930$2,673$2,437$1,639
10 years$3,130$2,829$2,554$2,304$2,076$1,326
11 years$2,816$2,518$2,249$2,005$1,786$1,081
12 years$2,555$2,260$1,996$1,759$1,548$887
13 years$2,334$2,043$1,783$1,553$1,349$731
14 years$2,145$1,857$1,602$1,378$1,183$605
15 years$1,982$1,696$1,446$1,229$1,042$503
16 years$1,839$1,556$1,311$1,101$921$419
17 years$1,712$1,433$1,193$989$816$350
18 years$1,600$1,324$1,089$891$726$292
19 years$1,500$1,227$997$805$647$245
20 years$1,410$1,141$915$729$578$205
21 years$1,329$1,062$842$662$517$172
22 years$1,255$992$776$602$463$145
23 years$1,188$928$716$548$416$122
24 years$1,127$869$663$500$374$102
25 years$1,070$816$614$457$336$86
26 years$1,018$767$569$417$303$73
27 years$970$721$528$382$273$61
28 years$925$680$491$350$247$51
29 years$883$641$457$321$223$43
30 years$845$606$426$295$201$37
31 years$809$572$397$271$182$31
32 years$775$542$370$249$165$26
33 years$743$513$346$229$149$22
34 years$713$486$323$210$135$18
35 years$685$461$302$194$122$16
36 years$659$438$283$178$111$13
37 years$634$416$265$164$100$11
38 years$611$395$248$151$91$9
39 years$588$376$232$140$82$8
40 years$567$357$218$129$75$7
41 years$547$340$204$119$68$6
42 years$528$324$191$110$62$5
43 years$510$309$180$101$56$4
44 years$493$294$169$94$51$3
45 years$477$281$158$86$46$3
46 years$461$268$149$80$42$2
47 years$446$255$140$74$38$2
48 years$432$244$131$68$34$2
49 years$418$233$123$63$31$1
50 years$405$222$116$58$28$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $415,000, adding $2,202 every year, while hoping to spend $21,578 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: 68/15/17 Blend
51$415,000$415,000$415,000$415,000
52$459,601$437,606$431,174$488,832
53$483,522$436,090$422,659$507,102
54$509,159$433,777$413,136$524,336
55$536,665$430,604$402,548$542,650
56$566,208$426,506$390,836$562,148
57$597,970$421,413$377,938$582,948
58$632,153$415,253$363,789$605,175
59$668,978$407,946$348,322$628,973
60$708,688$399,409$331,465$654,497
61$751,550$389,556$313,145$681,921
62$797,857$378,294$293,284$711,436
63$847,931$365,523$271,802$743,255
64$902,127$351,140$248,614$777,611
65$960,834$335,036$223,632$814,764
66$1,024,479$317,093$196,764$855,000
67$1,093,534$297,188$167,914$898,635
68$1,168,516$275,192$136,981$946,020
69$1,249,994$250,966$103,859$997,540
70$1,338,596$224,366$68,441$1,053,624
71$1,435,009$195,236$30,610$1,114,744
72$1,539,993$163,416$0$1,181,420
73$1,654,382$128,733$0$1,256,001
74$1,779,093$91,005$0$1,343,393
75$1,915,138$50,041$0$1,438,764
76$2,063,628$5,640$0$1,542,917
77$2,225,789$0$0$1,656,735
78$2,402,968$0$0$1,788,193
79$2,596,649$0$0$1,932,936
80$2,808,465$0$0$2,091,257
81$3,040,216$0$0$2,264,503
82$3,293,881$0$0$2,454,158
83$3,571,643$0$0$2,661,856
84$3,875,903$0$0$2,889,397
85$4,209,306$0$0$3,138,761
86$4,574,766$0$0$3,412,133
87$4,975,489$0$0$3,711,914
88$5,415,010$0$0$4,040,754
89$5,897,221$0$0$4,401,567
90$6,426,409$0$0$4,797,565
91$7,007,295$0$0$5,232,287
92$7,645,082$0$0$5,709,630
93$8,345,499$0$0$6,233,887
94$9,114,858$0$0$6,809,787
95$9,960,112$0$0$7,442,540
96$10,888,922$0$0$8,137,886
97$11,909,726$0$0$8,902,148
98$13,031,821$0$0$9,742,292
99$14,265,450$0$0$10,665,992
100$15,621,897$0$0$11,681,705