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%18.7%
1 years$35,922$35,602$35,290$34,985$34,688$33,470
2 years$17,783$17,452$17,131$16,820$16,518$15,304
3 years$11,738$11,405$11,085$10,777$10,480$9,308
4 years$8,716$8,384$8,067$7,764$7,474$6,353
5 years$6,903$6,573$6,260$5,963$5,682$4,614
6 years$5,695$5,367$5,059$4,769$4,496$3,483
7 years$4,832$4,508$4,204$3,921$3,656$2,698
8 years$4,185$3,864$3,566$3,289$3,033$2,128
9 years$3,683$3,364$3,071$2,802$2,554$1,702
10 years$3,281$2,965$2,677$2,415$2,176$1,375
11 years$2,952$2,640$2,357$2,102$1,872$1,119
12 years$2,678$2,369$2,092$1,844$1,622$917
13 years$2,447$2,141$1,869$1,628$1,415$755
14 years$2,249$1,946$1,679$1,445$1,240$624
15 years$2,077$1,778$1,516$1,288$1,092$518
16 years$1,927$1,631$1,375$1,154$965$431
17 years$1,795$1,502$1,251$1,037$856$359
18 years$1,678$1,388$1,142$934$761$300
19 years$1,573$1,287$1,045$844$678$251
20 years$1,478$1,196$959$765$606$210
21 years$1,393$1,114$882$694$542$176
22 years$1,316$1,040$813$631$486$147
23 years$1,245$972$751$575$436$124
24 years$1,181$911$694$524$392$104
25 years$1,121$855$643$479$353$87
26 years$1,067$803$597$438$318$73
27 years$1,016$756$554$401$286$62
28 years$970$713$515$367$258$52
29 years$926$672$479$337$233$44
30 years$885$635$446$309$211$37
31 years$848$600$416$284$191$31
32 years$812$568$388$261$172$26
33 years$779$538$363$240$156$22
34 years$748$510$339$221$141$18
35 years$719$483$317$203$128$16
36 years$691$459$296$187$116$13
37 years$665$436$277$172$105$11
38 years$640$414$260$159$95$9
39 years$617$394$243$146$86$8
40 years$595$375$228$135$78$7
41 years$574$357$214$125$71$6
42 years$554$340$201$115$65$5
43 years$535$324$188$106$59$4
44 years$517$308$177$98$53$3
45 years$500$294$166$91$48$3
46 years$483$281$156$84$44$2
47 years$468$268$146$77$40$2
48 years$453$256$138$71$36$2
49 years$438$244$129$66$33$1
50 years$425$233$122$61$30$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $435,000, adding $6,681 every year, while hoping to spend $33,914 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: 51/22/27 Blend
51$435,000$435,000$435,000$435,000
52$486,261$463,206$456,464$507,066
53$499,776$449,819$435,671$508,858
54$513,532$434,640$413,045$506,854
55$527,519$417,544$388,489$504,001
56$541,723$398,400$361,901$500,234
57$556,129$377,072$333,174$495,482
58$570,717$353,411$302,198$489,669
59$585,466$327,264$268,858$482,716
60$600,350$298,467$233,031$474,536
61$615,340$266,846$194,592$465,038
62$630,402$232,219$153,408$454,125
63$645,498$194,393$109,342$441,691
64$660,584$153,163$62,250$427,625
65$675,610$108,314$11,982$411,808
66$690,519$59,618$0$394,110
67$705,248$6,836$0$386,399
68$719,724$0$0$380,988
69$733,867$0$0$386,490
70$747,586$0$0$393,382
71$760,779$0$0$399,953
72$773,330$0$0$406,137
73$785,113$0$0$411,862
74$795,984$0$0$417,046
75$805,784$0$0$421,599
76$814,335$0$0$425,420
77$821,438$0$0$428,396
78$826,873$0$0$430,403
79$830,394$0$0$431,301
80$831,729$0$0$430,936
81$830,573$0$0$429,136
82$826,591$0$0$425,712
83$819,409$0$0$420,452
84$808,613$0$0$413,121
85$793,742$0$0$403,462
86$774,288$0$0$391,185
87$749,686$0$0$375,973
88$719,312$0$0$357,473
89$682,475$0$0$335,296
90$638,409$0$0$309,010
91$586,267$0$0$278,136
92$525,113$0$0$242,149
93$453,911$0$0$200,463
94$371,517$0$0$152,435
95$276,664$0$0$97,350
96$167,956$0$0$34,422
97$43,845$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0