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%16%
1 years$34,848$34,538$34,235$33,940$33,651$32,824
2 years$17,252$16,930$16,619$16,317$16,024$15,196
3 years$11,387$11,064$10,754$10,455$10,166$9,363
4 years$8,455$8,133$7,826$7,532$7,251$6,479
5 years$6,696$6,377$6,073$5,785$5,512$4,773
6 years$5,524$5,207$4,908$4,626$4,361$3,656
7 years$4,688$4,373$4,079$3,804$3,547$2,876
8 years$4,060$3,748$3,459$3,191$2,943$2,305
9 years$3,572$3,264$2,979$2,718$2,478$1,874
10 years$3,183$2,877$2,597$2,343$2,111$1,539
11 years$2,864$2,561$2,287$2,039$1,816$1,276
12 years$2,598$2,299$2,029$1,788$1,574$1,064
13 years$2,374$2,077$1,813$1,579$1,372$892
14 years$2,182$1,888$1,629$1,402$1,203$752
15 years$2,015$1,725$1,471$1,250$1,059$635
16 years$1,870$1,583$1,334$1,119$936$539
17 years$1,741$1,457$1,213$1,006$830$458
18 years$1,627$1,347$1,108$906$738$390
19 years$1,526$1,248$1,014$819$658$333
20 years$1,434$1,160$931$742$588$284
21 years$1,352$1,080$856$673$526$243
22 years$1,277$1,008$789$612$471$209
23 years$1,208$943$728$557$423$179
24 years$1,146$884$674$508$380$153
25 years$1,088$829$624$464$342$132
26 years$1,035$779$579$424$308$113
27 years$986$734$537$389$278$97
28 years$941$691$500$356$251$84
29 years$898$652$465$326$226$72
30 years$859$616$433$300$205$62
31 years$822$582$404$275$185$53
32 years$788$551$377$253$167$46
33 years$756$522$352$233$151$39
34 years$725$494$329$214$137$34
35 years$697$469$307$197$124$29
36 years$670$445$287$181$112$25
37 years$645$423$269$167$102$22
38 years$621$402$252$154$92$19
39 years$598$382$236$142$84$16
40 years$577$363$221$131$76$14
41 years$557$346$207$121$69$12
42 years$537$329$195$112$63$10
43 years$519$314$183$103$57$9
44 years$501$299$171$95$52$8
45 years$485$285$161$88$47$7
46 years$469$272$151$81$42$6
47 years$454$260$142$75$39$5
48 years$439$248$133$69$35$4
49 years$425$237$125$64$32$4
50 years$412$226$118$59$29$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $422,000, adding $3,873 every year, while hoping to spend $28,427 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: 65/29/6 Blend
51$422,000$422,000$422,000$422,000
52$469,039$446,673$440,132$498,818
53$486,635$438,314$424,630$510,743
54$505,073$428,592$407,657$520,019
55$524,409$417,412$389,131$529,400
56$544,703$404,670$368,972$538,894
57$566,022$390,257$347,092$548,510
58$588,436$374,060$323,400$558,258
59$612,025$355,957$297,801$568,152
60$636,871$335,819$270,198$578,207
61$663,069$313,511$240,486$588,441
62$690,717$288,888$208,558$598,876
63$719,926$261,800$174,300$609,537
64$750,815$232,085$137,596$620,454
65$783,515$199,574$98,322$631,662
66$818,168$164,087$56,350$643,200
67$854,929$125,436$11,546$655,114
68$893,970$83,420$0$667,455
69$935,475$37,828$0$682,607
70$979,649$0$0$699,256
71$1,026,715$0$0$720,440
72$1,076,916$0$0$755,927
73$1,130,520$0$0$793,836
74$1,187,821$0$0$834,378
75$1,249,138$0$0$877,781
76$1,314,825$0$0$924,298
77$1,385,268$0$0$974,204
78$1,460,890$0$0$1,027,804
79$1,542,157$0$0$1,085,428
80$1,629,580$0$0$1,147,444
81$1,723,718$0$0$1,214,250
82$1,825,188$0$0$1,286,289
83$1,934,665$0$0$1,364,044
84$2,052,894$0$0$1,448,045
85$2,180,690$0$0$1,538,879
86$2,318,951$0$0$1,637,186
87$2,468,664$0$0$1,743,673
88$2,630,912$0$0$1,859,115
89$2,806,888$0$0$1,984,367
90$2,997,904$0$0$2,120,366
91$3,205,403$0$0$2,268,146
92$3,430,970$0$0$2,428,841
93$3,676,351$0$0$2,603,702
94$3,943,467$0$0$2,794,102
95$4,234,431$0$0$3,001,556
96$4,551,568$0$0$3,227,727
97$4,897,438$0$0$3,474,447
98$5,274,857$0$0$3,743,735
99$5,686,926$0$0$4,037,809
100$6,137,058$0$0$4,359,113