Can I retire at age 52 with 443,000?

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 $443,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$36,583$36,257$35,939$35,628$35,325$34,898
2 years$18,110$17,773$17,446$17,129$16,822$16,392
3 years$11,954$11,615$11,289$10,975$10,672$10,253
4 years$8,876$8,538$8,215$7,907$7,612$7,206
5 years$7,030$6,694$6,375$6,073$5,786$5,396
6 years$5,799$5,466$5,152$4,857$4,578$4,204
7 years$4,921$4,590$4,282$3,993$3,723$3,364
8 years$4,262$3,935$3,631$3,350$3,089$2,746
9 years$3,750$3,426$3,127$2,853$2,601$2,273
10 years$3,341$3,020$2,727$2,459$2,217$1,904
11 years$3,006$2,688$2,400$2,140$1,906$1,609
12 years$2,728$2,413$2,130$1,877$1,652$1,369
13 years$2,492$2,181$1,903$1,657$1,441$1,172
14 years$2,290$1,982$1,710$1,471$1,263$1,008
15 years$2,115$1,811$1,544$1,312$1,112$870
16 years$1,963$1,661$1,400$1,175$983$754
17 years$1,828$1,530$1,274$1,056$871$656
18 years$1,708$1,414$1,163$951$775$571
19 years$1,602$1,310$1,065$860$691$499
20 years$1,506$1,218$977$779$617$436
21 years$1,419$1,134$899$707$552$382
22 years$1,340$1,059$828$642$495$335
23 years$1,268$990$765$585$444$294
24 years$1,203$928$707$534$399$259
25 years$1,142$871$655$487$359$228
26 years$1,086$818$608$446$324$201
27 years$1,035$770$564$408$292$177
28 years$987$726$524$374$263$156
29 years$943$685$488$343$238$138
30 years$902$646$455$315$215$121
31 years$863$611$424$289$194$107
32 years$827$578$395$265$176$95
33 years$793$548$369$244$159$84
34 years$762$519$345$225$144$74
35 years$732$492$323$207$130$65
36 years$704$467$302$190$118$58
37 years$677$444$282$175$107$51
38 years$652$422$264$162$97$45
39 years$628$401$248$149$88$40
40 years$606$382$232$138$80$35
41 years$584$363$218$127$72$31
42 years$564$346$204$117$66$28
43 years$545$330$192$108$60$25
44 years$526$314$180$100$54$22
45 years$509$300$169$92$49$19
46 years$492$286$159$85$45$17
47 years$476$273$149$79$41$15
48 years$461$260$140$73$37$13
49 years$446$249$132$67$33$12
50 years$433$237$124$62$30$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $443,000, adding $6,625 every year, while hoping to spend $23,915 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: 30/46/24 Blend
51$443,000$443,000$443,000$443,000
52$495,020$471,541$464,674$506,030
53$520,066$469,201$454,795$512,706
54$546,866$465,945$443,784$517,313
55$575,573$461,702$431,577$521,779
56$606,355$456,399$418,109$526,108
57$639,397$449,957$403,309$530,306
58$674,902$442,291$387,106$534,381
59$713,092$433,314$369,425$538,347
60$754,212$422,931$350,185$542,218
61$798,531$411,044$329,306$546,016
62$846,343$397,547$306,699$549,765
63$897,973$382,329$282,276$553,497
64$953,775$365,272$255,942$557,250
65$1,014,142$346,252$227,598$561,068
66$1,079,503$325,138$197,141$565,004
67$1,150,332$301,789$164,465$569,122
68$1,227,148$276,059$129,456$573,494
69$1,310,523$247,791$91,999$578,204
70$1,401,085$216,822$51,970$583,352
71$1,499,527$182,978$9,242$589,051
72$1,606,610$146,074$0$595,430
73$1,723,170$105,917$0$611,948
74$1,850,128$62,302$0$632,596
75$1,988,499$15,013$0$655,235
76$2,139,398$0$0$680,124
77$2,304,053$0$0$725,864
78$2,483,815$0$0$784,164
79$2,680,173$0$0$847,915
80$2,894,764$0$0$917,657
81$3,129,392$0$0$993,986
82$3,386,041$0$0$1,077,555
83$3,666,898$0$0$1,169,088
84$3,974,371$0$0$1,269,378
85$4,311,109$0$0$1,379,300
86$4,680,033$0$0$1,499,819
87$5,084,356$0$0$1,631,995
88$5,527,619$0$0$1,776,998
89$6,013,722$0$0$1,936,114
90$6,546,959$0$0$2,110,764
91$7,132,061$0$0$2,302,509
92$7,774,240$0$0$2,513,069
93$8,479,233$0$0$2,744,341
94$9,253,365$0$0$2,998,414
95$10,103,599$0$0$3,277,588
96$11,037,609$0$0$3,584,398
97$12,063,846$0$0$3,921,636
98$13,191,622$0$0$4,292,378
99$14,431,195$0$0$4,700,015
100$15,793,866$0$0$5,148,280