Can I retire at age 52 with 416,000?

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 $416,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$34,353$34,047$33,748$33,457$33,172$31,919
2 years$17,006$16,690$16,383$16,085$15,796$14,548
3 years$11,225$10,907$10,601$10,306$10,022$8,818
4 years$8,335$8,018$7,715$7,425$7,148$5,998
5 years$6,601$6,286$5,987$5,703$5,434$4,340
6 years$5,446$5,133$4,838$4,561$4,299$3,263
7 years$4,621$4,311$4,021$3,750$3,497$2,518
8 years$4,002$3,695$3,410$3,145$2,901$1,978
9 years$3,522$3,217$2,937$2,679$2,443$1,575
10 years$3,137$2,836$2,560$2,310$2,081$1,267
11 years$2,823$2,525$2,254$2,010$1,790$1,027
12 years$2,561$2,266$2,001$1,763$1,551$837
13 years$2,340$2,048$1,787$1,556$1,353$686
14 years$2,151$1,861$1,606$1,382$1,186$565
15 years$1,986$1,700$1,450$1,232$1,044$466
16 years$1,843$1,560$1,315$1,103$923$385
17 years$1,717$1,437$1,196$991$818$320
18 years$1,604$1,328$1,092$893$727$265
19 years$1,504$1,230$1,000$807$648$221
20 years$1,414$1,143$917$731$579$184
21 years$1,332$1,065$844$664$518$153
22 years$1,258$994$778$603$465$128
23 years$1,191$930$718$549$417$107
24 years$1,129$871$664$501$375$89
25 years$1,073$818$615$458$337$74
26 years$1,020$768$570$418$304$62
27 years$972$723$530$383$274$52
28 years$927$681$492$351$247$44
29 years$886$643$458$322$223$36
30 years$847$607$427$295$202$30
31 years$811$574$398$271$182$25
32 years$777$543$371$249$165$21
33 years$745$514$347$229$149$18
34 years$715$487$324$211$135$15
35 years$687$462$303$194$122$13
36 years$661$439$283$179$111$10
37 years$636$417$265$165$101$9
38 years$612$396$248$152$91$7
39 years$590$377$233$140$83$6
40 years$569$358$218$129$75$5
41 years$549$341$204$119$68$4
42 years$530$325$192$110$62$4
43 years$512$309$180$102$56$3
44 years$494$295$169$94$51$3
45 years$478$281$159$87$46$2
46 years$462$268$149$80$42$2
47 years$447$256$140$74$38$1
48 years$433$244$132$68$35$1
49 years$419$233$124$63$31$1
50 years$406$223$116$58$29$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $416,000, adding $2,019 every year, while hoping to spend $21,516 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: 65/10/25 Blend
51$416,000$416,000$416,000$416,000
52$460,515$438,467$432,019$487,319
53$484,594$437,059$423,598$504,231
54$510,409$434,860$414,175$520,114
55$538,113$431,811$403,692$536,989
56$567,875$427,844$392,091$554,956
57$599,882$422,892$379,309$574,123
58$634,337$416,881$365,283$594,614
59$671,464$409,733$349,945$616,562
60$711,510$401,367$333,225$640,118
61$754,744$391,694$315,048$665,447
62$801,465$380,623$295,338$692,733
63$851,997$368,057$274,015$722,177
64$906,700$353,891$250,994$754,006
65$965,969$338,017$226,188$788,466
66$1,030,237$320,319$199,504$825,833
67$1,099,981$300,674$170,847$866,412
68$1,175,725$278,954$140,117$910,538
69$1,258,048$255,021$107,209$958,584
70$1,347,582$228,731$72,015$1,010,960
71$1,445,028$199,931$34,419$1,068,123
72$1,551,152$168,459$0$1,130,574
73$1,666,802$134,145$0$1,200,391
74$1,792,906$96,809$0$1,286,563
75$1,930,491$56,261$0$1,380,614
76$2,080,682$12,299$0$1,483,329
77$2,244,721$0$0$1,595,575
78$2,423,974$0$0$1,722,190
79$2,619,945$0$0$1,862,120
80$2,834,290$0$0$2,015,197
81$3,068,832$0$0$2,182,727
82$3,325,579$0$0$2,366,147
83$3,606,741$0$0$2,567,041
84$3,914,754$0$0$2,787,152
85$4,252,298$0$0$3,028,399
86$4,622,325$0$0$3,292,898
87$5,028,089$0$0$3,582,977
88$5,473,171$0$0$3,901,202
89$5,961,516$0$0$4,250,398
90$6,497,469$0$0$4,633,676
91$7,085,818$0$0$5,054,466
92$7,731,836$0$0$5,516,544
93$8,441,329$0$0$6,024,068
94$9,220,698$0$0$6,581,623
95$10,076,991$0$0$7,194,256
96$11,017,973$0$0$7,867,528
97$12,052,198$0$0$8,607,568
98$13,189,092$0$0$9,421,124
99$14,439,037$0$0$10,315,634
100$15,813,473$0$0$11,299,290