Can I retire at age 52 with 435,000?

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 $435,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$35,922$35,602$35,290$34,985$34,688$34,411
2 years$17,783$17,452$17,131$16,820$16,518$16,239
3 years$11,738$11,405$11,085$10,777$10,480$10,208
4 years$8,716$8,384$8,067$7,764$7,474$7,211
5 years$6,903$6,573$6,260$5,963$5,682$5,427
6 years$5,695$5,367$5,059$4,769$4,496$4,251
7 years$4,832$4,508$4,204$3,921$3,656$3,421
8 years$4,185$3,864$3,566$3,289$3,033$2,808
9 years$3,683$3,364$3,071$2,802$2,554$2,339
10 years$3,281$2,965$2,677$2,415$2,176$1,970
11 years$2,952$2,640$2,357$2,102$1,872$1,675
12 years$2,678$2,369$2,092$1,844$1,622$1,435
13 years$2,447$2,141$1,869$1,628$1,415$1,236
14 years$2,249$1,946$1,679$1,445$1,240$1,070
15 years$2,077$1,778$1,516$1,288$1,092$931
16 years$1,927$1,631$1,375$1,154$965$812
17 years$1,795$1,502$1,251$1,037$856$711
18 years$1,678$1,388$1,142$934$761$624
19 years$1,573$1,287$1,045$844$678$548
20 years$1,478$1,196$959$765$606$483
21 years$1,393$1,114$882$694$542$426
22 years$1,316$1,040$813$631$486$377
23 years$1,245$972$751$575$436$334
24 years$1,181$911$694$524$392$296
25 years$1,121$855$643$479$353$262
26 years$1,067$803$597$438$318$233
27 years$1,016$756$554$401$286$207
28 years$970$713$515$367$258$184
29 years$926$672$479$337$233$163
30 years$885$635$446$309$211$145
31 years$848$600$416$284$191$129
32 years$812$568$388$261$172$115
33 years$779$538$363$240$156$103
34 years$748$510$339$221$141$92
35 years$719$483$317$203$128$82
36 years$691$459$296$187$116$73
37 years$665$436$277$172$105$65
38 years$640$414$260$159$95$58
39 years$617$394$243$146$86$52
40 years$595$375$228$135$78$46
41 years$574$357$214$125$71$41
42 years$554$340$201$115$65$37
43 years$535$324$188$106$59$33
44 years$517$308$177$98$53$29
45 years$500$294$166$91$48$26
46 years$483$281$156$84$44$23
47 years$468$268$146$77$40$21
48 years$453$256$138$71$36$19
49 years$438$244$129$66$33$17
50 years$425$233$122$61$30$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $435,000, adding $6,203 every year, while hoping to spend $25,579 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: 43/47/10 Blend
51$435,000$435,000$435,000$435,000
52$485,768$462,713$455,971$504,993
53$508,101$458,170$444,030$514,463
54$531,854$452,548$430,832$521,642
55$557,146$445,765$416,307$528,844
56$584,105$437,738$400,384$536,080
57$612,873$428,377$382,986$543,364
58$643,605$417,586$364,035$550,717
59$676,471$405,266$343,448$558,158
60$711,656$391,309$321,139$565,717
61$749,365$375,603$297,017$573,424
62$789,821$358,029$270,989$581,318
63$833,271$338,460$242,955$589,441
64$879,984$316,764$212,813$597,846
65$930,255$292,798$180,455$606,593
66$984,411$266,415$145,770$615,750
67$1,042,807$237,455$108,639$625,396
68$1,105,836$205,753$68,941$635,623
69$1,173,929$171,133$26,549$646,535
70$1,247,559$133,408$0$658,252
71$1,327,247$92,382$0$672,902
72$1,413,566$47,848$0$691,798
73$1,507,143$0$0$712,295
74$1,608,671$0$0$734,820
75$1,718,910$0$0$786,193
76$1,838,698$0$0$842,063
77$1,968,954$0$0$902,866
78$2,110,692$0$0$969,080
79$2,265,026$0$0$1,041,234
80$2,433,182$0$0$1,119,906
81$2,616,509$0$0$1,205,735
82$2,816,492$0$0$1,299,424
83$3,034,767$0$0$1,401,747
84$3,273,131$0$0$1,513,554
85$3,533,567$0$0$1,635,785
86$3,818,254$0$0$1,769,470
87$4,129,593$0$0$1,915,746
88$4,470,228$0$0$2,075,864
89$4,843,070$0$0$2,251,203
90$5,251,323$0$0$2,443,281
91$5,698,517$0$0$2,653,767
92$6,188,539$0$0$2,884,503
93$6,725,670$0$0$3,137,516
94$7,314,623$0$0$3,415,038
95$7,960,593$0$0$3,719,528
96$8,669,298$0$0$4,053,696
97$9,447,037$0$0$4,420,524
98$10,300,750$0$0$4,823,299
99$11,238,080$0$0$5,265,641
100$12,267,448$0$0$5,751,538