Can I retire at age 52 with 421,000?

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 $421,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$34,766$34,456$34,154$33,859$33,571$33,056
2 years$17,211$16,890$16,580$16,278$15,986$15,468
3 years$11,360$11,038$10,728$10,430$10,142$9,638
4 years$8,435$8,114$7,807$7,514$7,234$6,747
5 years$6,681$6,362$6,059$5,771$5,499$5,031
6 years$5,511$5,195$4,896$4,616$4,351$3,902
7 years$4,676$4,362$4,069$3,795$3,539$3,109
8 years$4,051$3,739$3,451$3,183$2,936$2,526
9 years$3,564$3,256$2,972$2,711$2,472$2,081
10 years$3,175$2,870$2,591$2,337$2,106$1,735
11 years$2,857$2,555$2,281$2,034$1,812$1,458
12 years$2,592$2,293$2,025$1,784$1,570$1,235
13 years$2,368$2,072$1,809$1,575$1,369$1,051
14 years$2,176$1,884$1,625$1,398$1,200$900
15 years$2,010$1,721$1,467$1,247$1,057$773
16 years$1,865$1,579$1,330$1,117$934$666
17 years$1,737$1,454$1,211$1,003$828$575
18 years$1,624$1,344$1,105$904$736$498
19 years$1,522$1,245$1,012$817$656$433
20 years$1,431$1,157$928$740$586$376
21 years$1,348$1,078$854$672$525$328
22 years$1,274$1,006$787$611$470$286
23 years$1,205$941$727$556$422$249
24 years$1,143$882$672$507$379$218
25 years$1,085$827$623$463$341$190
26 years$1,033$778$577$423$307$167
27 years$984$732$536$388$277$146
28 years$938$690$498$355$250$128
29 years$896$651$464$326$226$112
30 years$857$614$432$299$204$98
31 years$820$581$403$275$185$86
32 years$786$550$376$252$167$76
33 years$754$520$351$232$151$66
34 years$724$493$328$213$137$58
35 years$695$468$306$196$124$51
36 years$669$444$287$181$112$45
37 years$643$422$268$167$102$40
38 years$620$401$251$154$92$35
39 years$597$381$235$142$84$30
40 years$576$363$221$131$76$27
41 years$555$345$207$121$69$24
42 years$536$329$194$111$62$21
43 years$518$313$182$103$57$18
44 years$500$299$171$95$51$16
45 years$484$285$161$88$47$14
46 years$468$272$151$81$42$12
47 years$453$259$142$75$39$11
48 years$438$247$133$69$35$10
49 years$424$236$125$64$32$8
50 years$411$226$118$59$29$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $421,000, adding $3,579 every year, while hoping to spend $22,808 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: 57/30/13 Blend
51$421,000$421,000$421,000$421,000
52$467,634$445,321$438,795$492,551
53$491,065$442,874$429,227$507,372
54$516,121$439,543$418,574$520,691
55$542,945$435,260$406,776$534,668
56$571,692$429,954$393,769$549,370
57$602,532$423,549$379,488$564,872
58$635,652$415,965$363,863$581,257
59$671,258$407,116$346,821$598,617
60$709,574$396,913$328,288$617,055
61$750,849$385,260$308,184$636,687
62$795,355$372,057$286,428$657,640
63$843,390$357,196$262,931$680,057
64$895,281$340,565$237,605$704,096
65$951,391$322,043$210,356$729,934
66$1,012,114$301,505$181,085$757,766
67$1,077,888$278,817$149,689$787,811
68$1,149,190$253,836$116,061$820,311
69$1,226,548$226,414$80,089$855,534
70$1,310,540$196,394$41,657$893,779
71$1,401,805$163,607$642$935,377
72$1,501,043$127,877$0$980,697
73$1,609,025$89,019$0$1,036,128
74$1,726,600$46,835$0$1,096,625
75$1,854,701$1,118$0$1,162,619
76$1,994,356$0$0$1,234,688
77$2,146,696$0$0$1,329,430
78$2,312,966$0$0$1,433,272
79$2,494,535$0$0$1,546,706
80$2,692,913$0$0$1,670,678
81$2,909,758$0$0$1,806,230
82$3,146,900$0$0$1,954,511
83$3,406,352$0$0$2,116,785
84$3,690,329$0$0$2,294,441
85$4,001,273$0$0$2,489,014
86$4,341,871$0$0$2,702,190
87$4,715,082$0$0$2,935,828
88$5,124,167$0$0$3,191,975
89$5,572,715$0$0$3,472,884
90$6,064,680$0$0$3,781,039
91$6,604,418$0$0$4,119,174
92$7,196,724$0$0$4,490,302
93$7,846,884$0$0$4,897,740
94$8,560,716$0$0$5,345,144
95$9,344,634$0$0$5,836,540
96$10,205,699$0$0$6,376,364
97$11,151,691$0$0$6,969,501
98$12,191,183$0$0$7,621,334
99$13,333,616$0$0$8,337,795
100$14,589,394$0$0$9,125,415