Can I retire at age 52 with 431,000?

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 $431,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$35,592$35,275$34,965$34,663$34,369$33,744
2 years$17,620$17,291$16,973$16,665$16,366$15,739
3 years$11,630$11,300$10,983$10,677$10,383$9,773
4 years$8,635$8,307$7,993$7,693$7,405$6,817
5 years$6,839$6,513$6,203$5,909$5,629$5,065
6 years$5,642$5,318$5,013$4,725$4,454$3,914
7 years$4,787$4,466$4,166$3,885$3,623$3,106
8 years$4,147$3,828$3,533$3,259$3,005$2,513
9 years$3,649$3,333$3,043$2,776$2,531$2,062
10 years$3,250$2,938$2,653$2,393$2,156$1,711
11 years$2,925$2,616$2,335$2,082$1,855$1,432
12 years$2,654$2,348$2,073$1,827$1,607$1,207
13 years$2,424$2,122$1,852$1,613$1,401$1,023
14 years$2,228$1,928$1,664$1,431$1,229$871
15 years$2,058$1,762$1,502$1,277$1,082$745
16 years$1,909$1,616$1,362$1,143$956$639
17 years$1,779$1,489$1,239$1,027$848$549
18 years$1,662$1,375$1,131$926$754$473
19 years$1,558$1,275$1,036$836$672$409
20 years$1,465$1,185$951$757$600$354
21 years$1,380$1,103$874$687$537$306
22 years$1,304$1,030$806$625$481$266
23 years$1,234$963$744$569$432$231
24 years$1,170$903$688$519$388$200
25 years$1,111$847$637$474$349$174
26 years$1,057$796$591$434$315$152
27 years$1,007$749$549$397$284$132
28 years$961$706$510$364$256$115
29 years$917$666$475$333$231$100
30 years$877$629$442$306$209$87
31 years$840$595$412$281$189$76
32 years$805$563$385$258$171$67
33 years$772$533$359$238$155$58
34 years$741$505$336$219$140$51
35 years$712$479$314$201$127$44
36 years$685$455$294$185$115$39
37 years$659$432$275$171$104$34
38 years$634$410$257$157$94$29
39 years$611$390$241$145$86$26
40 years$589$371$226$134$78$22
41 years$568$353$212$123$70$20
42 years$549$337$199$114$64$17
43 years$530$321$186$105$58$15
44 years$512$306$175$97$53$13
45 years$495$291$164$90$48$11
46 years$479$278$154$83$43$10
47 years$463$265$145$77$39$9
48 years$449$253$136$71$36$8
49 years$434$242$128$65$33$7
50 years$421$231$120$60$30$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $431,000, adding $3,913 every year, while hoping to spend $31,886 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$431,000$431,000$431,000$431,000
52$478,998$456,155$449,475$509,412
53$493,930$444,580$430,606$518,549
54$509,315$431,370$410,036$524,364
55$525,168$416,409$387,675$529,872
56$541,501$399,579$363,427$535,041
57$558,326$380,751$337,194$539,836
58$575,658$359,790$308,873$544,218
59$593,510$336,555$278,355$548,148
60$611,896$310,893$245,528$551,581
61$630,829$282,647$210,273$554,474
62$650,323$251,647$172,467$556,776
63$670,394$217,715$131,982$558,436
64$691,054$180,663$88,683$559,398
65$712,318$140,292$42,431$559,605
66$734,201$96,393$0$558,992
67$756,716$48,743$0$557,938
68$779,879$0$0$558,855
69$803,702$0$0$559,883
70$828,199$0$0$576,932
71$853,385$0$0$594,459
72$879,273$0$0$612,472
73$905,874$0$0$630,980
74$933,201$0$0$649,991
75$961,266$0$0$669,513
76$990,080$0$0$689,552
77$1,019,651$0$0$710,115
78$1,049,989$0$0$731,208
79$1,081,101$0$0$752,835
80$1,112,993$0$0$775,000
81$1,145,669$0$0$797,706
82$1,179,131$0$0$820,952
83$1,213,379$0$0$844,739
84$1,248,411$0$0$869,063
85$1,284,221$0$0$893,921
86$1,320,800$0$0$919,305
87$1,358,136$0$0$945,205
88$1,396,214$0$0$971,609
89$1,435,010$0$0$998,502
90$1,474,501$0$0$1,025,863
91$1,514,652$0$0$1,053,668
92$1,555,426$0$0$1,081,889
93$1,596,777$0$0$1,110,493
94$1,638,650$0$0$1,139,438
95$1,680,984$0$0$1,168,680
96$1,723,703$0$0$1,198,165
97$1,766,725$0$0$1,227,831
98$1,809,952$0$0$1,257,608
99$1,853,274$0$0$1,287,415
100$1,896,563$0$0$1,317,160