Can I retire at age 52 with 428,000?

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 $428,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$35,344$35,029$34,722$34,422$34,129$33,914
2 years$17,497$17,171$16,855$16,549$16,252$16,035
3 years$11,549$11,221$10,906$10,603$10,311$10,099
4 years$8,575$8,249$7,937$7,639$7,354$7,148
5 years$6,792$6,467$6,160$5,867$5,590$5,392
6 years$5,603$5,281$4,978$4,692$4,423$4,232
7 years$4,754$4,435$4,137$3,858$3,597$3,414
8 years$4,118$3,802$3,508$3,236$2,984$2,808
9 years$3,623$3,310$3,022$2,757$2,513$2,344
10 years$3,228$2,918$2,634$2,376$2,141$1,980
11 years$2,904$2,597$2,319$2,068$1,842$1,687
12 years$2,635$2,331$2,058$1,814$1,596$1,449
13 years$2,408$2,107$1,839$1,601$1,392$1,251
14 years$2,213$1,915$1,652$1,422$1,220$1,086
15 years$2,044$1,749$1,492$1,268$1,074$947
16 years$1,896$1,605$1,352$1,135$949$829
17 years$1,766$1,478$1,231$1,020$842$727
18 years$1,651$1,366$1,123$919$748$640
19 years$1,547$1,266$1,028$831$667$564
20 years$1,455$1,176$944$752$596$499
21 years$1,371$1,096$868$683$533$441
22 years$1,295$1,023$800$621$478$391
23 years$1,225$957$739$565$429$347
24 years$1,162$896$683$516$386$309
25 years$1,103$841$633$471$347$275
26 years$1,050$791$587$431$313$245
27 years$1,000$744$545$394$282$218
28 years$954$701$507$361$254$194
29 years$911$661$472$331$230$173
30 years$871$625$439$304$207$155
31 years$834$590$409$279$188$138
32 years$799$559$382$256$170$124
33 years$766$529$357$236$154$110
34 years$736$501$333$217$139$99
35 years$707$476$312$200$126$88
36 years$680$451$291$184$114$79
37 years$654$429$273$170$103$71
38 years$630$407$255$156$94$63
39 years$607$387$239$144$85$57
40 years$585$369$224$133$77$51
41 years$565$351$210$123$70$45
42 years$545$334$197$113$63$41
43 years$526$318$185$104$58$37
44 years$509$304$174$96$52$33
45 years$492$289$163$89$47$29
46 years$475$276$153$82$43$26
47 years$460$263$144$76$39$24
48 years$445$252$135$70$36$21
49 years$431$240$127$65$32$19
50 years$418$229$120$60$29$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $428,000, adding $2,670 every year, while hoping to spend $31,503 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: 57/24/19 Blend
51$428,000$428,000$428,000$428,000
52$474,410$451,726$445,092$498,913
53$489,281$440,342$426,484$504,500
54$504,613$427,344$406,196$506,955
55$520,419$412,620$384,140$508,929
56$536,715$396,051$360,221$510,382
57$553,514$377,511$334,342$511,273
58$570,831$356,868$306,402$511,558
59$588,681$333,980$276,292$511,190
60$607,080$308,699$243,901$510,119
61$626,045$280,867$209,114$508,294
62$645,590$250,318$171,808$505,657
63$665,733$216,877$131,857$502,152
64$686,491$180,357$89,127$497,716
65$707,881$140,563$43,481$492,284
66$729,921$97,286$0$485,785
67$752,629$50,309$0$479,208
68$776,024$0$0$480,890
69$800,123$0$0$482,116
70$824,946$0$0$497,064
71$850,512$0$0$512,458
72$876,841$0$0$528,310
73$903,952$0$0$544,632
74$931,865$0$0$561,435
75$960,600$0$0$578,731
76$990,177$0$0$596,533
77$1,020,616$0$0$614,852
78$1,051,938$0$0$633,700
79$1,084,161$0$0$653,088
80$1,117,307$0$0$673,028
81$1,151,394$0$0$693,533
82$1,186,441$0$0$714,612
83$1,222,468$0$0$736,277
84$1,259,493$0$0$758,538
85$1,297,533$0$0$781,405
86$1,336,604$0$0$804,888
87$1,376,722$0$0$828,996
88$1,417,902$0$0$853,735
89$1,460,155$0$0$879,114
90$1,503,494$0$0$905,137
91$1,547,927$0$0$931,811
92$1,593,461$0$0$959,136
93$1,640,100$0$0$987,116
94$1,687,846$0$0$1,015,750
95$1,736,697$0$0$1,045,035
96$1,786,646$0$0$1,074,965
97$1,837,683$0$0$1,105,534
98$1,889,793$0$0$1,136,729
99$1,942,955$0$0$1,168,537
100$1,997,142$0$0$1,200,939