Can I retire at age 52 with 415,000?

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 $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%17.1%
1 years$34,270$33,965$33,667$33,377$33,093$32,136
2 years$16,966$16,650$16,343$16,046$15,758$14,803
3 years$11,198$10,881$10,575$10,281$9,998$9,072
4 years$8,315$7,998$7,696$7,407$7,131$6,243
5 years$6,585$6,271$5,972$5,689$5,420$4,572
6 years$5,433$5,121$4,827$4,550$4,289$3,482
7 years$4,610$4,300$4,011$3,741$3,488$2,721
8 years$3,993$3,686$3,402$3,138$2,894$2,167
9 years$3,513$3,209$2,930$2,673$2,437$1,750
10 years$3,130$2,829$2,554$2,304$2,076$1,428
11 years$2,816$2,518$2,249$2,005$1,786$1,175
12 years$2,555$2,260$1,996$1,759$1,548$973
13 years$2,334$2,043$1,783$1,553$1,349$810
14 years$2,145$1,857$1,602$1,378$1,183$677
15 years$1,982$1,696$1,446$1,229$1,042$568
16 years$1,839$1,556$1,311$1,101$921$478
17 years$1,712$1,433$1,193$989$816$403
18 years$1,600$1,324$1,089$891$726$340
19 years$1,500$1,227$997$805$647$288
20 years$1,410$1,141$915$729$578$244
21 years$1,329$1,062$842$662$517$207
22 years$1,255$992$776$602$463$176
23 years$1,188$928$716$548$416$150
24 years$1,127$869$663$500$374$127
25 years$1,070$816$614$457$336$108
26 years$1,018$767$569$417$303$92
27 years$970$721$528$382$273$79
28 years$925$680$491$350$247$67
29 years$883$641$457$321$223$57
30 years$845$606$426$295$201$49
31 years$809$572$397$271$182$41
32 years$775$542$370$249$165$35
33 years$743$513$346$229$149$30
34 years$713$486$323$210$135$26
35 years$685$461$302$194$122$22
36 years$659$438$283$178$111$19
37 years$634$416$265$164$100$16
38 years$611$395$248$151$91$14
39 years$588$376$232$140$82$12
40 years$567$357$218$129$75$10
41 years$547$340$204$119$68$9
42 years$528$324$191$110$62$7
43 years$510$309$180$101$56$6
44 years$493$294$169$94$51$5
45 years$477$281$158$86$46$5
46 years$461$268$149$80$42$4
47 years$446$255$140$74$38$3
48 years$432$244$131$68$34$3
49 years$418$233$123$63$31$2
50 years$405$222$116$58$28$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $415,000, adding $2,014 every year, while hoping to spend $28,601 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: 68/27/5 Blend
51$415,000$415,000$415,000$415,000
52$459,407$437,412$430,980$490,246
53$475,836$428,414$414,987$501,921
54$492,981$418,017$397,499$511,001
55$510,887$406,121$378,436$520,148
56$529,599$392,623$357,715$529,362
57$549,167$377,410$335,248$538,645
58$569,646$360,368$310,943$548,000
59$591,095$341,371$284,705$557,430
60$613,577$320,288$256,433$566,942
61$637,161$296,981$226,022$576,543
62$661,922$271,304$193,365$586,241
63$687,942$243,101$158,346$596,049
64$715,308$212,210$120,847$605,979
65$744,117$178,456$80,743$616,049
66$774,475$141,657$37,905$626,278
67$806,494$101,621$0$636,692
68$840,299$58,144$0$647,733
69$876,026$11,009$0$661,206
70$913,822$0$0$675,130
71$953,850$0$0$701,447
72$996,285$0$0$732,827
73$1,041,321$0$0$766,142
74$1,089,168$0$0$801,549
75$1,140,056$0$0$839,222
76$1,194,239$0$0$879,350
77$1,251,992$0$0$922,137
78$1,313,619$0$0$967,812
79$1,379,449$0$0$1,016,621
80$1,449,848$0$0$1,068,836
81$1,525,212$0$0$1,124,756
82$1,605,979$0$0$1,184,708
83$1,692,628$0$0$1,249,048
84$1,785,685$0$0$1,318,172
85$1,885,726$0$0$1,392,511
86$1,993,386$0$0$1,472,538
87$2,109,359$0$0$1,558,775
88$2,234,410$0$0$1,651,794
89$2,369,378$0$0$1,752,222
90$2,515,185$0$0$1,860,750
91$2,672,844$0$0$1,978,137
92$2,843,470$0$0$2,105,216
93$3,028,286$0$0$2,242,904
94$3,228,639$0$0$2,392,210
95$3,446,009$0$0$2,554,242
96$3,682,025$0$0$2,730,219
97$3,938,476$0$0$2,921,482
98$4,217,334$0$0$3,129,506
99$4,520,765$0$0$3,355,915
100$4,851,153$0$0$3,602,494