Can I retire at age 52 with 436,000?

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 $436,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$36,004$35,684$35,371$35,065$34,767$34,418
2 years$17,824$17,492$17,170$16,858$16,556$16,205
3 years$11,765$11,431$11,110$10,801$10,504$10,161
4 years$8,736$8,403$8,085$7,782$7,491$7,159
5 years$6,919$6,588$6,275$5,977$5,695$5,375
6 years$5,708$5,380$5,071$4,780$4,506$4,199
7 years$4,843$4,518$4,214$3,930$3,665$3,370
8 years$4,195$3,873$3,574$3,297$3,040$2,758
9 years$3,691$3,372$3,078$2,808$2,560$2,290
10 years$3,288$2,972$2,684$2,421$2,181$1,924
11 years$2,959$2,646$2,363$2,107$1,876$1,630
12 years$2,684$2,375$2,097$1,848$1,626$1,392
13 years$2,453$2,146$1,873$1,631$1,418$1,195
14 years$2,254$1,951$1,683$1,448$1,243$1,032
15 years$2,082$1,782$1,520$1,291$1,094$894
16 years$1,932$1,635$1,378$1,156$967$777
17 years$1,799$1,506$1,254$1,039$858$678
18 years$1,681$1,391$1,144$936$762$593
19 years$1,576$1,290$1,048$846$680$519
20 years$1,482$1,198$962$766$607$456
21 years$1,396$1,116$884$695$543$401
22 years$1,319$1,042$815$632$487$353
23 years$1,248$974$753$576$437$311
24 years$1,184$913$696$525$393$275
25 years$1,124$857$645$480$354$243
26 years$1,069$805$598$439$318$215
27 years$1,019$758$555$401$287$190
28 years$972$714$516$368$259$168
29 years$928$674$480$337$234$149
30 years$888$636$447$310$211$132
31 years$850$601$417$284$191$117
32 years$814$569$389$261$173$104
33 years$781$539$363$240$156$92
34 years$750$511$340$221$142$82
35 years$720$484$317$203$128$73
36 years$692$460$297$187$116$64
37 years$666$437$278$173$105$57
38 years$642$415$260$159$96$51
39 years$618$395$244$147$87$45
40 years$596$376$229$135$79$40
41 years$575$357$214$125$71$36
42 years$555$340$201$115$65$32
43 years$536$324$189$106$59$28
44 years$518$309$177$98$53$25
45 years$501$295$166$91$48$22
46 years$484$281$156$84$44$20
47 years$469$268$147$77$40$18
48 years$454$256$138$72$36$16
49 years$439$245$130$66$33$14
50 years$426$234$122$61$30$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $436,000, adding $3,910 every year, while hoping to spend $34,991 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: 86/9/5 Blend
51$436,000$436,000$436,000$436,000
52$484,505$461,397$454,639$525,851
53$496,695$446,775$432,639$538,756
54$508,954$430,265$408,730$547,691
55$521,255$411,735$382,810$556,373
56$533,563$391,050$354,774$564,753
57$545,839$368,063$324,511$572,774
58$558,039$342,623$291,907$580,374
59$570,115$314,567$256,841$587,486
60$582,009$283,724$219,188$594,034
61$593,660$249,912$178,817$599,934
62$604,996$212,941$135,590$605,094
63$615,938$172,607$89,364$609,412
64$626,396$128,698$39,991$612,778
65$636,272$80,988$0$615,066
66$645,454$29,238$0$616,818
67$653,818$0$0$619,527
68$661,224$0$0$623,555
69$667,518$0$0$629,423
70$672,527$0$0$634,070
71$676,061$0$0$637,315
72$677,906$0$0$638,956
73$677,824$0$0$638,768
74$675,554$0$0$636,503
75$670,803$0$0$631,883
76$663,247$0$0$624,600
77$652,527$0$0$614,316
78$638,245$0$0$600,651
79$619,960$0$0$583,189
80$597,182$0$0$561,465
81$569,373$0$0$534,967
82$535,932$0$0$503,128
83$496,197$0$0$465,320
84$449,435$0$0$420,848
85$394,837$0$0$368,944
86$331,505$0$0$308,758
87$258,451$0$0$239,352
88$174,578$0$0$159,688
89$78,678$0$0$68,620
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0