Can I retire at age 52 with 430,000?

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 $430,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$35,509$35,193$34,884$34,583$34,289$33,555
2 years$17,579$17,251$16,934$16,626$16,328$15,593
3 years$11,603$11,274$10,957$10,653$10,359$9,645
4 years$8,615$8,288$7,974$7,675$7,388$6,700
5 years$6,823$6,498$6,188$5,895$5,616$4,957
6 years$5,629$5,306$5,001$4,714$4,444$3,814
7 years$4,776$4,456$4,156$3,876$3,614$3,013
8 years$4,137$3,819$3,525$3,251$2,998$2,427
9 years$3,640$3,325$3,036$2,769$2,525$1,982
10 years$3,243$2,931$2,647$2,387$2,151$1,637
11 years$2,918$2,610$2,330$2,078$1,850$1,363
12 years$2,648$2,342$2,068$1,822$1,603$1,143
13 years$2,419$2,117$1,847$1,609$1,398$964
14 years$2,223$1,924$1,660$1,428$1,226$816
15 years$2,053$1,758$1,499$1,274$1,079$694
16 years$1,905$1,613$1,359$1,140$954$592
17 years$1,774$1,485$1,236$1,025$846$506
18 years$1,658$1,372$1,129$923$752$433
19 years$1,555$1,272$1,033$834$670$372
20 years$1,461$1,182$948$756$599$320
21 years$1,377$1,101$872$686$536$275
22 years$1,301$1,028$804$624$480$237
23 years$1,231$961$742$568$431$205
24 years$1,167$900$686$518$387$177
25 years$1,109$845$636$473$349$153
26 years$1,055$794$590$433$314$132
27 years$1,005$747$548$396$283$114
28 years$958$704$509$363$255$99
29 years$915$664$474$333$231$86
30 years$875$627$441$305$208$74
31 years$838$593$411$280$188$64
32 years$803$561$384$258$170$56
33 years$770$532$358$237$154$48
34 years$739$504$335$218$140$42
35 years$710$478$313$201$127$36
36 years$683$454$293$185$115$31
37 years$657$431$274$170$104$27
38 years$633$409$257$157$94$24
39 years$610$389$240$145$85$21
40 years$588$370$225$133$77$18
41 years$567$353$211$123$70$15
42 years$547$336$198$114$64$13
43 years$529$320$186$105$58$12
44 years$511$305$175$97$53$10
45 years$494$291$164$89$48$9
46 years$478$277$154$83$43$8
47 years$462$265$145$76$39$7
48 years$447$253$136$71$36$6
49 years$433$241$128$65$32$5
50 years$420$231$120$60$29$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $430,000, adding $4,660 every year, while hoping to spend $22,517 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: 72/15/13 Blend
51$430,000$430,000$430,000$430,000
52$478,667$455,877$449,212$511,470
53$503,533$454,257$440,302$532,197
54$530,181$451,803$430,340$551,680
55$558,768$448,450$419,265$572,413
56$589,468$444,130$407,017$594,515
57$622,472$438,770$393,530$618,117
58$657,987$432,293$378,736$643,362
59$696,244$424,618$362,566$670,411
60$737,494$415,657$344,945$699,441
61$782,014$405,320$325,796$730,645
62$830,108$393,509$305,039$764,240
63$882,109$380,121$282,588$800,462
64$938,386$365,049$258,356$839,574
65$999,341$348,176$232,251$881,867
66$1,065,419$329,382$204,177$927,660
67$1,137,108$308,537$174,032$977,306
68$1,214,943$285,506$141,713$1,031,197
69$1,299,516$260,145$107,109$1,089,763
70$1,391,477$232,301$70,107$1,153,481
71$1,491,538$201,815$30,586$1,222,876
72$1,600,487$168,516$0$1,298,528
73$1,719,188$132,224$0$1,382,686
74$1,848,593$92,752$0$1,479,081
75$1,989,750$49,897$0$1,584,266
76$2,143,812$3,450$0$1,699,123
77$2,312,049$0$0$1,824,624
78$2,495,856$0$0$1,969,567
79$2,696,774$0$0$2,128,644
80$2,916,495$0$0$2,302,631
81$3,156,884$0$0$2,493,005
82$3,419,994$0$0$2,701,395
83$3,708,086$0$0$2,929,596
84$4,023,650$0$0$3,179,582
85$4,369,428$0$0$3,453,528
86$4,748,439$0$0$3,753,830
87$5,164,009$0$0$4,083,126
88$5,619,801$0$0$4,444,322
89$6,119,850$0$0$4,840,619
90$6,668,598$0$0$5,275,542
91$7,270,941$0$0$5,752,974
92$7,932,271$0$0$6,277,193
93$8,658,527$0$0$6,852,911
94$9,456,251$0$0$7,485,319
95$10,332,652$0$0$8,180,134
96$11,295,670$0$0$8,943,657
97$12,354,051$0$0$9,782,828
98$13,517,434$0$0$10,705,292
99$14,796,434$0$0$11,719,473
100$16,202,750$0$0$12,834,651