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%12.3%
1 years$34,353$34,047$33,748$33,457$33,172$32,853
2 years$17,006$16,690$16,383$16,085$15,796$15,475
3 years$11,225$10,907$10,601$10,306$10,022$9,708
4 years$8,335$8,018$7,715$7,425$7,148$6,844
5 years$6,601$6,286$5,987$5,703$5,434$5,141
6 years$5,446$5,133$4,838$4,561$4,299$4,018
7 years$4,621$4,311$4,021$3,750$3,497$3,226
8 years$4,002$3,695$3,410$3,145$2,901$2,642
9 years$3,522$3,217$2,937$2,679$2,443$2,195
10 years$3,137$2,836$2,560$2,310$2,081$1,845
11 years$2,823$2,525$2,254$2,010$1,790$1,565
12 years$2,561$2,266$2,001$1,763$1,551$1,337
13 years$2,340$2,048$1,787$1,556$1,353$1,149
14 years$2,151$1,861$1,606$1,382$1,186$992
15 years$1,986$1,700$1,450$1,232$1,044$860
16 years$1,843$1,560$1,315$1,103$923$749
17 years$1,717$1,437$1,196$991$818$653
18 years$1,604$1,328$1,092$893$727$572
19 years$1,504$1,230$1,000$807$648$501
20 years$1,414$1,143$917$731$579$440
21 years$1,332$1,065$844$664$518$388
22 years$1,258$994$778$603$465$341
23 years$1,191$930$718$549$417$301
24 years$1,129$871$664$501$375$266
25 years$1,073$818$615$458$337$235
26 years$1,020$768$570$418$304$208
27 years$972$723$530$383$274$184
28 years$927$681$492$351$247$163
29 years$886$643$458$322$223$145
30 years$847$607$427$295$202$128
31 years$811$574$398$271$182$114
32 years$777$543$371$249$165$101
33 years$745$514$347$229$149$90
34 years$715$487$324$211$135$80
35 years$687$462$303$194$122$71
36 years$661$439$283$179$111$63
37 years$636$417$265$165$101$56
38 years$612$396$248$152$91$50
39 years$590$377$233$140$83$44
40 years$569$358$218$129$75$39
41 years$549$341$204$119$68$35
42 years$530$325$192$110$62$31
43 years$512$309$180$102$56$28
44 years$494$295$169$94$51$25
45 years$478$281$159$87$46$22
46 years$462$268$149$80$42$20
47 years$447$256$140$74$38$17
48 years$433$244$132$68$35$15
49 years$419$233$124$63$31$14
50 years$406$223$116$58$29$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $416,000, adding $2,632 every year, while hoping to spend $28,955 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: 40/38/22 Blend
51$416,000$416,000$416,000$416,000
52$461,147$439,099$432,651$476,498
53$477,376$429,807$416,337$478,477
54$494,290$419,089$398,506$477,671
55$511,928$406,845$379,076$476,214
56$530,333$392,969$357,963$474,064
57$549,550$377,347$335,078$471,176
58$569,628$359,861$310,328$467,502
59$590,622$340,386$283,615$462,995
60$612,587$318,787$254,838$457,602
61$635,588$294,924$223,892$451,273
62$659,690$268,648$190,665$443,952
63$684,969$239,802$155,042$435,582
64$711,502$208,218$116,902$426,104
65$739,377$173,723$76,120$415,459
66$768,687$136,128$32,564$403,584
67$799,534$95,240$0$390,414
68$832,029$50,850$0$379,151
69$866,294$2,739$0$374,829
70$902,460$0$0$369,762
71$940,670$0$0$384,540
72$981,082$0$0$401,405
73$1,023,867$0$0$419,286
74$1,069,211$0$0$438,265
75$1,117,319$0$0$458,430
76$1,168,414$0$0$479,879
77$1,222,740$0$0$502,719
78$1,280,565$0$0$527,065
79$1,342,181$0$0$553,047
80$1,407,907$0$0$580,804
81$1,478,096$0$0$610,490
82$1,553,132$0$0$642,272
83$1,633,436$0$0$676,336
84$1,719,470$0$0$712,884
85$1,811,741$0$0$752,138
86$1,910,806$0$0$794,341
87$2,017,274$0$0$839,763
88$2,131,817$0$0$888,695
89$2,255,170$0$0$941,463
90$2,388,142$0$0$998,419
91$2,531,618$0$0$1,059,954
92$2,686,576$0$0$1,126,496
93$2,854,087$0$0$1,198,516
94$3,035,329$0$0$1,276,531
95$3,231,596$0$0$1,361,110
96$3,444,312$0$0$1,452,878
97$3,675,042$0$0$1,552,525
98$3,925,509$0$0$1,660,807
99$4,197,605$0$0$1,778,556
100$4,493,413$0$0$1,906,688