Can I retire at age 52 with 422,000?

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 $422,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$34,848$34,538$34,235$33,940$33,651$32,316
2 years$17,252$16,930$16,619$16,317$16,024$14,696
3 years$11,387$11,064$10,754$10,455$10,166$8,886
4 years$8,455$8,133$7,826$7,532$7,251$6,029
5 years$6,696$6,377$6,073$5,785$5,512$4,351
6 years$5,524$5,207$4,908$4,626$4,361$3,263
7 years$4,688$4,373$4,079$3,804$3,547$2,510
8 years$4,060$3,748$3,459$3,191$2,943$1,966
9 years$3,572$3,264$2,979$2,718$2,478$1,560
10 years$3,183$2,877$2,597$2,343$2,111$1,251
11 years$2,864$2,561$2,287$2,039$1,816$1,011
12 years$2,598$2,299$2,029$1,788$1,574$822
13 years$2,374$2,077$1,813$1,579$1,372$671
14 years$2,182$1,888$1,629$1,402$1,203$550
15 years$2,015$1,725$1,471$1,250$1,059$452
16 years$1,870$1,583$1,334$1,119$936$373
17 years$1,741$1,457$1,213$1,006$830$308
18 years$1,627$1,347$1,108$906$738$255
19 years$1,526$1,248$1,014$819$658$211
20 years$1,434$1,160$931$742$588$175
21 years$1,352$1,080$856$673$526$145
22 years$1,277$1,008$789$612$471$121
23 years$1,208$943$728$557$423$100
24 years$1,146$884$674$508$380$84
25 years$1,088$829$624$464$342$70
26 years$1,035$779$579$424$308$58
27 years$986$734$537$389$278$48
28 years$941$691$500$356$251$40
29 years$898$652$465$326$226$33
30 years$859$616$433$300$205$28
31 years$822$582$404$275$185$23
32 years$788$551$377$253$167$19
33 years$756$522$352$233$151$16
34 years$725$494$329$214$137$13
35 years$697$469$307$197$124$11
36 years$670$445$287$181$112$9
37 years$645$423$269$167$102$8
38 years$621$402$252$154$92$7
39 years$598$382$236$142$84$5
40 years$577$363$221$131$76$5
41 years$557$346$207$121$69$4
42 years$537$329$195$112$63$3
43 years$519$314$183$103$57$3
44 years$501$299$171$95$52$2
45 years$485$285$161$88$47$2
46 years$469$272$151$81$42$2
47 years$454$260$142$75$39$1
48 years$439$248$133$69$35$1
49 years$425$237$125$64$32$1
50 years$412$226$118$59$29$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $422,000, adding $4,674 every year, while hoping to spend $21,681 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: 23/49/28 Blend
51$422,000$422,000$422,000$422,000
52$469,865$447,499$440,958$476,442
53$494,723$446,358$432,662$481,340
54$521,390$444,435$423,361$484,460
55$550,027$441,667$412,999$487,340
56$580,812$437,991$401,517$489,975
57$613,939$433,338$388,852$492,360
58$649,623$427,633$374,941$494,493
59$688,098$420,801$359,715$496,375
60$729,623$412,758$343,104$498,009
61$774,480$403,419$325,033$499,400
62$822,981$392,691$305,426$500,557
63$875,468$380,476$284,201$501,495
64$932,319$366,672$261,274$502,231
65$993,946$351,169$236,558$502,788
66$1,060,804$333,853$209,959$503,196
67$1,133,395$314,601$181,381$503,491
68$1,212,269$293,283$150,724$503,717
69$1,298,030$269,764$117,883$503,927
70$1,391,345$243,899$82,749$504,185
71$1,492,948$215,535$45,206$504,563
72$1,603,644$184,511$5,136$505,151
73$1,724,321$150,658$0$506,048
74$1,855,956$113,794$0$518,614
75$1,999,624$73,731$0$534,111
76$2,156,509$30,267$0$551,199
77$2,327,912$0$0$570,100
78$2,515,270$0$0$600,126
79$2,720,160$0$0$650,880
80$2,944,321$0$0$706,481
81$3,189,668$0$0$767,413
82$3,458,308$0$0$834,210
83$3,752,564$0$0$907,458
84$4,074,991$0$0$987,805
85$4,428,405$0$0$1,075,963
86$4,815,908$0$0$1,172,716
87$5,240,913$0$0$1,278,928
88$5,707,183$0$0$1,395,552
89$6,218,861$0$0$1,523,635
90$6,780,511$0$0$1,664,334
91$7,397,159$0$0$1,818,921
92$8,074,345$0$0$1,988,798
93$8,818,168$0$0$2,175,509
94$9,635,348$0$0$2,380,755
95$10,533,289$0$0$2,606,413
96$11,520,147$0$0$2,854,546
97$12,604,907$0$0$3,127,431
98$13,797,468$0$0$3,427,574
99$15,108,737$0$0$3,757,738
100$16,550,728$0$0$4,120,966