Can I retire at age 52 with 441,000?

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 $441,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$36,417$36,093$35,776$35,468$35,166$34,799
2 years$18,028$17,693$17,367$17,052$16,746$16,376
3 years$11,900$11,562$11,238$10,925$10,624$10,263
4 years$8,836$8,500$8,178$7,871$7,577$7,228
5 years$6,998$6,664$6,347$6,046$5,760$5,424
6 years$5,773$5,441$5,129$4,835$4,558$4,234
7 years$4,899$4,570$4,262$3,975$3,707$3,396
8 years$4,243$3,917$3,615$3,334$3,075$2,778
9 years$3,733$3,411$3,113$2,840$2,590$2,306
10 years$3,326$3,006$2,714$2,448$2,207$1,936
11 years$2,993$2,676$2,390$2,131$1,898$1,639
12 years$2,715$2,402$2,121$1,869$1,644$1,399
13 years$2,481$2,171$1,895$1,650$1,434$1,200
14 years$2,280$1,973$1,702$1,465$1,257$1,035
15 years$2,106$1,803$1,537$1,306$1,107$897
16 years$1,954$1,654$1,394$1,170$978$779
17 years$1,820$1,523$1,268$1,051$867$679
18 years$1,701$1,407$1,158$947$771$593
19 years$1,594$1,304$1,060$856$687$519
20 years$1,499$1,212$973$775$614$456
21 years$1,412$1,129$895$703$549$400
22 years$1,334$1,054$824$640$493$352
23 years$1,263$986$761$582$442$310
24 years$1,197$924$704$531$397$274
25 years$1,137$867$652$485$358$242
26 years$1,082$815$605$444$322$213
27 years$1,030$767$562$406$290$189
28 years$983$722$522$372$262$167
29 years$939$681$486$341$237$148
30 years$898$644$453$313$214$131
31 years$859$608$422$288$193$116
32 years$823$576$394$264$175$103
33 years$790$545$368$243$158$91
34 years$758$517$343$224$143$81
35 years$728$490$321$206$130$72
36 years$700$465$300$190$118$64
37 years$674$442$281$175$107$56
38 years$649$420$263$161$97$50
39 years$625$399$247$148$88$44
40 years$603$380$231$137$79$39
41 years$582$362$217$126$72$35
42 years$561$344$203$117$65$31
43 years$542$328$191$108$59$28
44 years$524$313$179$99$54$25
45 years$507$298$168$92$49$22
46 years$490$284$158$85$44$19
47 years$474$271$148$78$40$17
48 years$459$259$139$72$37$15
49 years$444$247$131$67$33$14
50 years$431$236$123$62$30$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $441,000, adding $2,989 every year, while hoping to spend $33,145 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: 49/39/12 Blend
51$441,000$441,000$441,000$441,000
52$489,065$465,692$458,857$511,287
53$503,684$453,245$438,962$514,425
54$518,683$439,077$417,291$514,121
55$534,065$423,069$393,747$513,042
56$549,835$405,095$368,233$511,126
57$565,995$385,021$340,645$508,307
58$582,545$362,705$310,875$504,514
59$599,485$337,999$278,810$499,672
60$616,816$310,744$244,334$493,702
61$634,534$280,773$207,322$486,519
62$652,636$247,910$167,646$478,033
63$671,115$211,969$125,173$468,147
64$689,965$172,751$79,762$456,760
65$709,175$130,049$31,268$443,763
66$728,732$83,643$0$429,041
67$748,622$33,301$0$415,093
68$768,825$0$0$403,609
69$789,321$0$0$399,571
70$810,082$0$0$409,942
71$831,079$0$0$420,414
72$852,276$0$0$430,967
73$873,633$0$0$441,578
74$895,103$0$0$452,221
75$916,631$0$0$462,866
76$938,158$0$0$473,479
77$959,614$0$0$484,022
78$980,919$0$0$494,451
79$1,001,986$0$0$504,717
80$1,022,713$0$0$514,764
81$1,042,988$0$0$524,532
82$1,062,684$0$0$533,949
83$1,081,658$0$0$542,939
84$1,099,751$0$0$551,413
85$1,116,783$0$0$559,273
86$1,132,556$0$0$566,412
87$1,146,847$0$0$572,706
88$1,159,406$0$0$578,021
89$1,169,957$0$0$582,206
90$1,178,192$0$0$585,091
91$1,183,767$0$0$586,492
92$1,186,300$0$0$586,199
93$1,185,369$0$0$583,983
94$1,180,501$0$0$579,588
95$1,171,175$0$0$572,730
96$1,156,811$0$0$563,093
97$1,136,767$0$0$550,330
98$1,110,329$0$0$534,055
99$1,076,710$0$0$513,838
100$1,035,036$0$0$489,206