Can I retire at age 52 with 434,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $434,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$35,839$35,520$35,209$34,905$34,608$33,446
2 years$17,742$17,412$17,092$16,781$16,480$15,321
3 years$11,711$11,379$11,059$10,752$10,456$9,336
4 years$8,695$8,365$8,048$7,746$7,457$6,385
5 years$6,887$6,558$6,246$5,950$5,669$4,647
6 years$5,681$5,355$5,048$4,758$4,485$3,516
7 years$4,821$4,497$4,195$3,912$3,648$2,729
8 years$4,176$3,855$3,557$3,282$3,026$2,158
9 years$3,674$3,356$3,064$2,795$2,549$1,730
10 years$3,273$2,959$2,671$2,409$2,171$1,401
11 years$2,945$2,634$2,352$2,097$1,868$1,144
12 years$2,672$2,364$2,087$1,839$1,618$940
13 years$2,441$2,136$1,865$1,624$1,411$776
14 years$2,244$1,942$1,675$1,441$1,237$643
15 years$2,072$1,774$1,513$1,286$1,089$535
16 years$1,923$1,628$1,371$1,151$963$446
17 years$1,791$1,499$1,248$1,034$854$373
18 years$1,674$1,385$1,139$932$759$312
19 years$1,569$1,284$1,043$842$676$262
20 years$1,475$1,193$957$763$604$220
21 years$1,390$1,111$880$692$541$185
22 years$1,313$1,037$811$629$485$156
23 years$1,242$970$749$573$435$131
24 years$1,178$909$693$523$391$110
25 years$1,119$853$642$477$352$93
26 years$1,064$802$595$437$317$78
27 years$1,014$754$553$400$286$66
28 years$967$711$514$366$258$56
29 years$924$671$478$336$233$47
30 years$883$633$445$308$210$40
31 years$846$599$415$283$190$34
32 years$810$566$387$260$172$28
33 years$777$536$362$239$156$24
34 years$746$508$338$220$141$20
35 years$717$482$316$203$128$17
36 years$689$458$296$187$116$14
37 years$663$435$277$172$105$12
38 years$639$413$259$158$95$10
39 years$615$393$243$146$86$9
40 years$593$374$228$135$78$7
41 years$572$356$213$124$71$6
42 years$553$339$200$115$64$5
43 years$534$323$188$106$58$4
44 years$516$308$176$98$53$4
45 years$499$293$165$90$48$3
46 years$482$280$155$83$44$3
47 years$467$267$146$77$40$2
48 years$452$255$137$71$36$2
49 years$437$244$129$66$33$2
50 years$424$233$121$61$30$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $434,000, adding $5,922 every year, while hoping to spend $23,774 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: 32/41/27 Blend
51$434,000$434,000$434,000$434,000
52$484,377$461,375$454,648$495,733
53$508,488$458,687$444,583$502,211
54$534,261$455,070$433,384$506,668
55$561,842$450,454$420,989$511,001
56$591,388$444,765$407,330$515,214
57$623,073$437,922$392,339$519,316
58$657,088$429,842$375,944$523,316
59$693,642$420,435$358,069$527,231
60$732,965$409,608$338,636$531,077
61$775,309$397,260$317,562$534,879
62$820,951$383,286$294,760$538,665
63$870,194$367,574$270,141$542,468
64$923,374$350,005$243,611$546,329
65$980,858$330,455$215,072$550,297
66$1,043,049$308,791$184,420$554,429
67$1,110,391$284,872$151,549$558,791
68$1,183,372$258,552$116,347$563,459
69$1,262,528$229,673$78,697$568,525
70$1,348,449$198,071$38,477$574,090
71$1,441,785$163,570$0$580,272
72$1,543,248$125,985$0$588,489
73$1,653,623$85,123$0$609,525
74$1,773,776$40,777$0$632,501
75$1,904,656$0$0$657,658
76$2,047,309$0$0$688,545
77$2,202,886$0$0$742,355
78$2,372,656$0$0$801,137
79$2,558,011$0$0$865,381
80$2,760,488$0$0$935,627
81$2,981,777$0$0$1,012,471
82$3,223,739$0$0$1,096,567
83$3,488,422$0$0$1,188,637
84$3,778,082$0$0$1,289,474
85$4,095,204$0$0$1,399,955
86$4,442,523$0$0$1,521,042
87$4,823,050$0$0$1,653,796
88$5,240,104$0$0$1,799,385
89$5,697,339$0$0$1,959,097
90$6,198,778$0$0$2,134,349
91$6,748,853$0$0$2,326,703
92$7,352,447$0$0$2,537,878
93$8,014,936$0$0$2,769,769
94$8,742,245$0$0$3,024,464
95$9,540,897$0$0$3,304,261
96$10,418,080$0$0$3,611,693
97$11,381,712$0$0$3,949,551
98$12,440,516$0$0$4,320,908
99$13,604,101$0$0$4,729,152
100$14,883,053$0$0$5,178,014