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%14%
1 years$36,665$36,339$36,020$35,709$35,405$34,819
2 years$18,151$17,813$17,485$17,168$16,860$16,270
3 years$11,980$11,641$11,314$11,000$10,696$10,123
4 years$8,896$8,557$8,234$7,925$7,629$7,075
5 years$7,046$6,709$6,390$6,087$5,799$5,267
6 years$5,812$5,478$5,164$4,868$4,589$4,079
7 years$4,932$4,601$4,291$4,002$3,732$3,245
8 years$4,272$3,944$3,639$3,357$3,096$2,631
9 years$3,759$3,434$3,135$2,860$2,607$2,165
10 years$3,348$3,027$2,733$2,465$2,222$1,801
11 years$3,013$2,694$2,406$2,145$1,911$1,511
12 years$2,734$2,418$2,135$1,882$1,656$1,277
13 years$2,498$2,186$1,908$1,661$1,444$1,085
14 years$2,295$1,987$1,714$1,475$1,266$926
15 years$2,120$1,815$1,548$1,315$1,114$794
16 years$1,967$1,665$1,403$1,178$985$683
17 years$1,832$1,533$1,277$1,058$873$589
18 years$1,712$1,417$1,165$954$776$509
19 years$1,605$1,313$1,067$862$692$441
20 years$1,509$1,220$979$780$618$383
21 years$1,422$1,137$901$708$553$332
22 years$1,343$1,061$830$644$496$289
23 years$1,271$992$766$586$445$252
24 years$1,205$930$709$535$400$219
25 years$1,145$873$657$488$360$191
26 years$1,089$820$609$447$324$167
27 years$1,037$772$565$409$292$146
28 years$990$727$526$375$264$128
29 years$945$686$489$343$238$112
30 years$904$648$456$315$215$98
31 years$865$612$425$290$195$85
32 years$829$580$396$266$176$75
33 years$795$549$370$245$159$65
34 years$763$520$346$225$144$57
35 years$733$493$323$207$131$50
36 years$705$468$302$191$118$44
37 years$679$445$283$176$107$39
38 years$653$423$265$162$97$34
39 years$630$402$248$149$88$30
40 years$607$382$233$138$80$26
41 years$586$364$218$127$73$23
42 years$565$347$205$117$66$20
43 years$546$330$192$108$60$17
44 years$528$315$180$100$54$15
45 years$510$300$169$92$49$13
46 years$493$286$159$85$45$12
47 years$477$273$149$79$41$10
48 years$462$261$140$73$37$9
49 years$447$249$132$67$33$8
50 years$433$238$124$62$30$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $444,000, adding $3,500 every year, while hoping to spend $27,875 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: 77/7/16 Blend
51$444,000$444,000$444,000$444,000
52$492,898$469,366$462,484$528,871
53$513,515$462,706$448,319$546,439
54$535,301$454,786$432,744$561,849
55$558,345$445,514$415,685$577,985
56$582,745$434,793$397,059$594,910
57$608,609$422,522$376,785$612,692
58$636,053$408,592$354,773$631,409
59$665,206$392,888$330,933$651,147
60$696,207$375,290$305,170$671,998
61$729,209$355,668$277,382$694,067
62$764,380$333,888$247,466$717,470
63$801,904$309,805$215,313$742,333
64$841,981$283,268$180,809$768,797
65$884,832$254,117$143,835$797,017
66$930,698$222,182$104,266$827,167
67$979,844$187,284$61,974$859,436
68$1,032,561$149,234$16,823$894,034
69$1,089,167$107,831$0$931,194
70$1,150,013$62,866$0$976,527
71$1,215,482$14,114$0$1,028,377
72$1,285,996$0$0$1,084,209
73$1,362,019$0$0$1,147,375
74$1,444,059$0$0$1,216,726
75$1,532,675$0$0$1,291,648
76$1,628,481$0$0$1,372,664
77$1,732,153$0$0$1,460,345
78$1,844,433$0$0$1,555,321
79$1,966,136$0$0$1,658,284
80$2,098,161$0$0$1,769,996
81$2,241,495$0$0$1,891,293
82$2,397,222$0$0$2,023,096
83$2,566,536$0$0$2,166,418
84$2,750,752$0$0$2,322,374
85$2,951,314$0$0$2,492,189
86$3,169,813$0$0$2,677,212
87$3,407,999$0$0$2,878,929
88$3,667,798$0$0$3,098,973
89$3,951,331$0$0$3,339,143
90$4,260,930$0$0$3,601,418
91$4,599,166$0$0$3,887,979
92$4,968,866$0$0$4,201,224
93$5,373,143$0$0$4,543,795
94$5,815,426$0$0$4,918,601
95$6,299,491$0$0$5,328,844
96$6,829,493$0$0$5,778,052
97$7,410,010$0$0$6,270,106
98$8,046,083$0$0$6,809,286
99$8,743,263$0$0$7,400,300
100$9,507,664$0$0$8,048,336