Can I retire at age 52 with 417,000?

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 $417,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$34,435$34,129$33,829$33,537$33,252$32,409
2 years$17,047$16,730$16,422$16,124$15,834$14,990
3 years$11,252$10,933$10,626$10,331$10,046$9,227
4 years$8,355$8,037$7,733$7,443$7,165$6,378
5 years$6,617$6,301$6,001$5,717$5,447$4,694
6 years$5,459$5,145$4,850$4,572$4,310$3,592
7 years$4,632$4,321$4,030$3,759$3,505$2,822
8 years$4,012$3,704$3,418$3,153$2,908$2,259
9 years$3,530$3,225$2,944$2,686$2,449$1,834
10 years$3,145$2,843$2,567$2,315$2,086$1,505
11 years$2,830$2,531$2,260$2,015$1,794$1,246
12 years$2,567$2,271$2,005$1,767$1,555$1,038
13 years$2,346$2,053$1,792$1,560$1,356$869
14 years$2,156$1,866$1,610$1,385$1,189$731
15 years$1,991$1,704$1,453$1,235$1,047$617
16 years$1,847$1,564$1,318$1,106$925$522
17 years$1,721$1,440$1,199$994$820$443
18 years$1,608$1,331$1,095$896$729$377
19 years$1,508$1,233$1,002$809$650$321
20 years$1,417$1,146$920$733$581$274
21 years$1,336$1,068$846$665$520$234
22 years$1,261$997$780$605$466$200
23 years$1,194$932$720$551$418$172
24 years$1,132$873$666$502$376$147
25 years$1,075$819$617$459$338$126
26 years$1,023$770$572$419$305$108
27 years$974$725$531$384$275$93
28 years$929$683$494$352$248$80
29 years$888$644$459$323$224$68
30 years$849$609$428$296$202$59
31 years$813$575$399$272$183$50
32 years$779$544$372$250$165$43
33 years$747$515$348$230$150$37
34 years$717$489$325$211$135$32
35 years$689$463$304$195$123$28
36 years$662$440$284$179$111$24
37 years$637$418$266$165$101$20
38 years$614$397$249$152$91$18
39 years$591$377$233$140$83$15
40 years$570$359$219$129$75$13
41 years$550$342$205$119$68$11
42 years$531$326$192$110$62$10
43 years$513$310$180$102$56$8
44 years$495$296$169$94$51$7
45 years$479$282$159$87$46$6
46 years$463$269$149$80$42$5
47 years$448$257$140$74$38$5
48 years$434$245$132$68$35$4
49 years$420$234$124$63$31$3
50 years$407$224$117$58$29$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $417,000, adding $6,404 every year, while hoping to spend $32,101 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: 45/48/7 Blend
51$417,000$417,000$417,000$417,000
52$466,140$444,039$437,575$485,923
53$479,531$431,641$418,079$487,836
54$493,212$417,561$396,853$486,073
55$507,179$401,680$373,807$483,415
56$521,425$383,877$348,844$479,792
57$535,944$364,021$321,864$475,126
58$550,726$341,973$292,762$469,337
59$565,759$317,589$261,429$462,338
60$581,030$290,714$227,750$454,035
61$596,522$261,186$191,606$444,330
62$612,214$228,832$152,872$433,118
63$628,086$193,470$111,419$420,287
64$644,109$154,908$67,110$405,716
65$660,253$112,943$19,803$389,278
66$676,482$67,362$0$370,837
67$692,757$17,936$0$352,539
68$709,032$0$0$333,666
69$725,253$0$0$331,373
70$741,361$0$0$338,470
71$757,290$0$0$345,450
72$772,963$0$0$352,275
73$788,295$0$0$358,900
74$803,191$0$0$365,278
75$817,542$0$0$371,355
76$831,229$0$0$377,069
77$844,116$0$0$382,353
78$856,052$0$0$387,131
79$866,870$0$0$391,318
80$876,382$0$0$394,820
81$884,379$0$0$397,532
82$890,627$0$0$399,338
83$894,867$0$0$400,108
84$896,813$0$0$399,698
85$896,142$0$0$397,947
86$892,501$0$0$394,678
87$885,495$0$0$389,694
88$874,685$0$0$382,777
89$859,587$0$0$373,684
90$839,664$0$0$362,147
91$814,318$0$0$347,870
92$782,892$0$0$330,523
93$744,653$0$0$309,742
94$698,794$0$0$285,126
95$644,420$0$0$256,228
96$580,542$0$0$222,555
97$506,066$0$0$183,565
98$419,783$0$0$138,654
99$320,354$0$0$87,157
100$206,303$0$0$28,340