Can I retire at age 52 with 418,000?

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 $418,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$34,518$34,211$33,911$33,618$33,332$32,606
2 years$17,088$16,770$16,461$16,162$15,872$15,144
3 years$11,279$10,959$10,652$10,355$10,070$9,363
4 years$8,375$8,056$7,752$7,460$7,182$6,501
5 years$6,633$6,316$6,016$5,730$5,460$4,807
6 years$5,472$5,158$4,862$4,583$4,320$3,697
7 years$4,643$4,331$4,040$3,768$3,513$2,919
8 years$4,022$3,713$3,426$3,161$2,915$2,349
9 years$3,539$3,233$2,951$2,692$2,455$1,918
10 years$3,152$2,849$2,573$2,321$2,091$1,583
11 years$2,837$2,537$2,265$2,020$1,799$1,317
12 years$2,574$2,277$2,010$1,771$1,559$1,104
13 years$2,351$2,058$1,796$1,564$1,359$930
14 years$2,161$1,870$1,614$1,388$1,191$787
15 years$1,996$1,709$1,457$1,238$1,049$669
16 years$1,852$1,568$1,321$1,109$927$570
17 years$1,725$1,444$1,202$996$822$487
18 years$1,612$1,334$1,097$898$731$417
19 years$1,511$1,236$1,004$811$652$358
20 years$1,421$1,149$922$735$582$307
21 years$1,339$1,070$848$667$521$264
22 years$1,264$999$781$606$467$228
23 years$1,197$934$722$552$419$196
24 years$1,135$875$667$504$377$169
25 years$1,078$821$618$460$339$146
26 years$1,025$772$573$420$305$126
27 years$977$727$532$385$275$109
28 years$932$685$495$353$248$94
29 years$890$646$460$323$224$82
30 years$851$610$429$297$203$71
31 years$814$577$400$273$183$61
32 years$780$546$373$250$166$53
33 years$749$517$348$230$150$46
34 years$719$490$325$212$136$40
35 years$690$464$304$195$123$34
36 years$664$441$285$180$111$30
37 years$639$419$266$166$101$26
38 years$615$398$250$153$92$22
39 years$593$378$234$141$83$19
40 years$571$360$219$130$75$17
41 years$551$343$205$120$68$15
42 years$532$326$193$110$62$13
43 years$514$311$181$102$56$11
44 years$497$296$170$94$51$10
45 years$480$283$159$87$46$8
46 years$464$270$150$80$42$7
47 years$449$257$141$74$38$6
48 years$435$246$132$69$35$5
49 years$421$235$124$63$32$5
50 years$408$224$117$59$29$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $418,000, adding $2,490 every year, while hoping to spend $28,237 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: 63/20/17 Blend
51$418,000$418,000$418,000$418,000
52$463,204$441,050$434,571$490,264
53$480,407$432,618$419,086$500,318
54$498,419$422,826$402,135$507,866
55$517,291$411,578$383,640$515,436
56$537,081$398,772$363,518$523,034
57$557,851$384,299$341,684$530,664
58$579,668$368,047$318,047$538,334
59$602,606$349,892$292,513$546,052
60$626,743$329,708$264,983$553,829
61$652,166$307,360$235,356$561,679
62$678,970$282,703$203,523$569,618
63$707,256$255,587$169,372$577,667
64$737,138$225,852$132,787$585,849
65$768,736$193,328$93,646$594,192
66$802,184$157,838$51,820$602,729
67$837,627$119,193$7,176$611,497
68$875,224$77,193$0$620,541
69$915,150$31,628$0$637,253
70$957,593$0$0$656,216
71$1,002,762$0$0$680,125
72$1,050,885$0$0$713,028
73$1,102,210$0$0$748,140
74$1,157,010$0$0$785,647
75$1,215,585$0$0$825,759
76$1,278,262$0$0$868,700
77$1,345,401$0$0$914,722
78$1,417,396$0$0$964,096
79$1,494,679$0$0$1,017,122
80$1,577,725$0$0$1,074,130
81$1,667,056$0$0$1,135,480
82$1,763,244$0$0$1,201,570
83$1,866,916$0$0$1,272,834
84$1,978,763$0$0$1,349,751
85$2,099,543$0$0$1,432,847
86$2,230,089$0$0$1,522,700
87$2,371,318$0$0$1,619,944
88$2,524,235$0$0$1,725,278
89$2,689,948$0$0$1,839,469
90$2,869,674$0$0$1,963,361
91$3,064,749$0$0$2,097,883
92$3,276,647$0$0$2,244,055
93$3,506,987$0$0$2,403,001
94$3,757,548$0$0$2,575,955
95$4,030,292$0$0$2,764,278
96$4,327,374$0$0$2,969,466
97$4,651,168$0$0$3,193,165
98$5,004,284$0$0$3,437,187
99$5,389,596$0$0$3,703,526
100$5,810,269$0$0$3,994,377