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%15.4%
1 years$35,592$35,275$34,965$34,663$34,369$33,606
2 years$17,620$17,291$16,973$16,665$16,366$15,602
3 years$11,630$11,300$10,983$10,677$10,383$9,641
4 years$8,635$8,307$7,993$7,693$7,405$6,691
5 years$6,839$6,513$6,203$5,909$5,629$4,945
6 years$5,642$5,318$5,013$4,725$4,454$3,800
7 years$4,787$4,466$4,166$3,885$3,623$2,999
8 years$4,147$3,828$3,533$3,259$3,005$2,413
9 years$3,649$3,333$3,043$2,776$2,531$1,968
10 years$3,250$2,938$2,653$2,393$2,156$1,623
11 years$2,925$2,616$2,335$2,082$1,855$1,350
12 years$2,654$2,348$2,073$1,827$1,607$1,131
13 years$2,424$2,122$1,852$1,613$1,401$952
14 years$2,228$1,928$1,664$1,431$1,229$805
15 years$2,058$1,762$1,502$1,277$1,082$683
16 years$1,909$1,616$1,362$1,143$956$582
17 years$1,779$1,489$1,239$1,027$848$497
18 years$1,662$1,375$1,131$926$754$425
19 years$1,558$1,275$1,036$836$672$364
20 years$1,465$1,185$951$757$600$313
21 years$1,380$1,103$874$687$537$269
22 years$1,304$1,030$806$625$481$231
23 years$1,234$963$744$569$432$199
24 years$1,170$903$688$519$388$172
25 years$1,111$847$637$474$349$148
26 years$1,057$796$591$434$315$128
27 years$1,007$749$549$397$284$111
28 years$961$706$510$364$256$96
29 years$917$666$475$333$231$83
30 years$877$629$442$306$209$71
31 years$840$595$412$281$189$62
32 years$805$563$385$258$171$53
33 years$772$533$359$238$155$46
34 years$741$505$336$219$140$40
35 years$712$479$314$201$127$35
36 years$685$455$294$185$115$30
37 years$659$432$275$171$104$26
38 years$634$410$257$157$94$22
39 years$611$390$241$145$86$19
40 years$589$371$226$134$78$17
41 years$568$353$212$123$70$15
42 years$549$337$199$114$64$13
43 years$530$321$186$105$58$11
44 years$512$306$175$97$53$9
45 years$495$291$164$90$48$8
46 years$479$278$154$83$43$7
47 years$463$265$145$77$39$6
48 years$449$253$136$71$36$5
49 years$434$242$128$65$33$5
50 years$421$231$120$60$30$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $431,000, adding $4,356 every year, while hoping to spend $22,896 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: 52/23/25 Blend
51$431,000$431,000$431,000$431,000
52$479,455$456,612$449,932$500,838
53$503,998$454,625$440,643$514,121
54$530,278$451,773$430,276$525,869
55$558,446$447,990$418,770$538,182
56$588,671$443,205$406,063$551,124
57$621,137$437,343$392,087$564,764
58$656,045$430,325$376,774$579,181
59$693,618$422,068$360,053$594,465
60$734,099$412,481$341,847$610,712
61$777,756$401,471$322,077$628,034
62$824,882$388,939$300,662$646,554
63$875,801$374,777$277,515$666,409
64$930,867$358,876$252,546$687,752
65$990,470$341,116$225,661$710,754
66$1,055,040$321,372$196,762$735,606
67$1,125,047$299,512$165,747$762,518
68$1,201,010$275,397$132,508$791,728
69$1,283,500$248,878$96,933$823,497
70$1,373,143$219,799$58,907$858,117
71$1,470,629$187,995$18,306$895,911
72$1,576,718$153,292$0$937,241
73$1,692,245$115,505$0$989,181
74$1,818,129$74,439$0$1,051,144
75$1,955,381$29,889$0$1,118,773
76$2,105,115$0$0$1,192,653
77$2,268,555$0$0$1,278,078
78$2,447,051$0$0$1,379,673
79$2,642,087$0$0$1,490,725
80$2,855,298$0$0$1,612,170
81$3,088,484$0$0$1,745,038
82$3,343,626$0$0$1,890,464
83$3,622,906$0$0$2,049,697
84$3,928,727$0$0$2,224,114
85$4,263,735$0$0$2,415,230
86$4,630,844$0$0$2,624,714
87$5,033,261$0$0$2,854,404
88$5,474,523$0$0$3,106,324
89$5,958,522$0$0$3,382,704
90$6,489,544$0$0$3,686,001
91$7,072,313$0$0$4,018,919
92$7,712,032$0$0$4,384,438
93$8,414,429$0$0$4,785,841
94$9,185,817$0$0$5,226,745
95$10,033,150$0$0$5,711,132
96$10,964,088$0$0$6,243,392
97$11,987,070$0$0$6,828,358
98$13,111,392$0$0$7,471,357
99$14,347,297$0$0$8,178,257
100$15,706,068$0$0$8,955,523