Can I retire at age 52 with 444,000?

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 $444,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$36,665$36,339$36,020$35,709$35,405$34,396
2 years$18,151$17,813$17,485$17,168$16,860$15,851
3 years$11,980$11,641$11,314$11,000$10,696$9,719
4 years$8,896$8,557$8,234$7,925$7,629$6,691
5 years$7,046$6,709$6,390$6,087$5,799$4,904
6 years$5,812$5,478$5,164$4,868$4,589$3,736
7 years$4,932$4,601$4,291$4,002$3,732$2,922
8 years$4,272$3,944$3,639$3,357$3,096$2,328
9 years$3,759$3,434$3,135$2,860$2,607$1,881
10 years$3,348$3,027$2,733$2,465$2,222$1,536
11 years$3,013$2,694$2,406$2,145$1,911$1,265
12 years$2,734$2,418$2,135$1,882$1,656$1,048
13 years$2,498$2,186$1,908$1,661$1,444$873
14 years$2,295$1,987$1,714$1,475$1,266$730
15 years$2,120$1,815$1,548$1,315$1,114$613
16 years$1,967$1,665$1,403$1,178$985$516
17 years$1,832$1,533$1,277$1,058$873$436
18 years$1,712$1,417$1,165$954$776$368
19 years$1,605$1,313$1,067$862$692$312
20 years$1,509$1,220$979$780$618$265
21 years$1,422$1,137$901$708$553$225
22 years$1,343$1,061$830$644$496$191
23 years$1,271$992$766$586$445$162
24 years$1,205$930$709$535$400$138
25 years$1,145$873$657$488$360$118
26 years$1,089$820$609$447$324$100
27 years$1,037$772$565$409$292$86
28 years$990$727$526$375$264$73
29 years$945$686$489$343$238$62
30 years$904$648$456$315$215$53
31 years$865$612$425$290$195$45
32 years$829$580$396$266$176$39
33 years$795$549$370$245$159$33
34 years$763$520$346$225$144$28
35 years$733$493$323$207$131$24
36 years$705$468$302$191$118$21
37 years$679$445$283$176$107$18
38 years$653$423$265$162$97$15
39 years$630$402$248$149$88$13
40 years$607$382$233$138$80$11
41 years$586$364$218$127$73$9
42 years$565$347$205$117$66$8
43 years$546$330$192$108$60$7
44 years$528$315$180$100$54$6
45 years$510$300$169$92$49$5
46 years$493$286$159$85$45$4
47 years$477$273$149$79$41$4
48 years$462$261$140$73$37$3
49 years$447$249$132$67$33$3
50 years$433$238$124$62$30$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $444,000, adding $6,417 every year, while hoping to spend $27,672 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: 39/33/28 Blend
51$444,000$444,000$444,000$444,000
52$495,907$472,375$465,493$510,925
53$517,047$466,079$451,644$516,179
54$539,415$458,546$436,404$518,836
55$563,109$449,688$419,697$521,180
56$588,232$439,409$401,443$523,201
57$614,900$427,609$381,560$524,891
58$643,239$414,180$359,960$526,239
59$673,385$399,010$336,555$527,242
60$705,488$381,980$311,247$527,893
61$739,714$362,963$283,940$528,193
62$776,242$341,826$254,530$528,142
63$815,270$318,426$222,908$527,744
64$857,014$292,616$188,962$527,010
65$901,712$264,236$152,574$525,951
66$949,623$233,120$113,622$524,587
67$1,001,033$199,092$71,977$522,941
68$1,056,255$161,964$27,505$521,047
69$1,115,633$121,540$0$518,941
70$1,179,544$77,612$0$522,635
71$1,248,403$29,961$0$535,382
72$1,322,664$0$0$549,070
73$1,402,829$0$0$571,690
74$1,489,445$0$0$607,932
75$1,583,118$0$0$647,177
76$1,684,510$0$0$689,707
77$1,794,352$0$0$735,835
78$1,913,445$0$0$785,906
79$2,042,672$0$0$840,297
80$2,183,003$0$0$899,423
81$2,335,504$0$0$963,744
82$2,501,351$0$0$1,033,761
83$2,681,834$0$0$1,110,029
84$2,878,375$0$0$1,193,158
85$3,092,538$0$0$1,283,817
86$3,326,043$0$0$1,382,746
87$3,580,784$0$0$1,490,757
88$3,858,847$0$0$1,608,745
89$4,162,526$0$0$1,737,695
90$4,494,348$0$0$1,878,690
91$4,857,094$0$0$2,032,925
92$5,253,827$0$0$2,201,714
93$5,687,917$0$0$2,386,504
94$6,163,078$0$0$2,588,891
95$6,683,397$0$0$2,810,627
96$7,253,377$0$0$3,053,648
97$7,877,976$0$0$3,320,081
98$8,562,653$0$0$3,612,272
99$9,313,423$0$0$3,932,802
100$10,136,909$0$0$4,284,518