Can I retire at age 52 with 445,000?

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 $445,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$36,748$36,420$36,101$35,789$35,485$35,085
2 years$18,192$17,853$17,525$17,206$16,898$16,495
3 years$12,007$11,667$11,340$11,024$10,721$10,328
4 years$8,916$8,577$8,252$7,942$7,646$7,266
5 years$7,061$6,724$6,404$6,101$5,812$5,446
6 years$5,825$5,491$5,176$4,879$4,599$4,248
7 years$4,943$4,611$4,301$4,011$3,740$3,403
8 years$4,281$3,953$3,647$3,365$3,103$2,781
9 years$3,767$3,441$3,142$2,866$2,613$2,305
10 years$3,356$3,033$2,739$2,471$2,227$1,933
11 years$3,020$2,701$2,411$2,150$1,915$1,635
12 years$2,740$2,424$2,140$1,886$1,659$1,393
13 years$2,503$2,190$1,912$1,665$1,447$1,194
14 years$2,300$1,991$1,718$1,478$1,268$1,028
15 years$2,125$1,819$1,551$1,318$1,117$889
16 years$1,972$1,669$1,406$1,180$987$772
17 years$1,836$1,537$1,280$1,060$875$672
18 years$1,716$1,420$1,168$956$778$586
19 years$1,609$1,316$1,069$864$694$512
20 years$1,512$1,223$981$782$620$449
21 years$1,425$1,139$903$710$554$394
22 years$1,346$1,063$832$645$497$346
23 years$1,274$995$768$588$446$304
24 years$1,208$932$710$536$401$268
25 years$1,147$875$658$490$361$236
26 years$1,091$822$610$448$325$208
27 years$1,040$774$567$410$293$184
28 years$992$729$527$375$264$162
29 years$947$688$490$344$239$144
30 years$906$649$457$316$216$127
31 years$867$614$426$290$195$112
32 years$831$581$397$267$176$99
33 years$797$550$371$245$160$88
34 years$765$521$347$226$145$78
35 years$735$494$324$208$131$69
36 years$707$469$303$191$119$61
37 years$680$446$284$176$108$54
38 years$655$424$266$162$97$48
39 years$631$403$249$150$88$42
40 years$608$383$233$138$80$38
41 years$587$365$219$127$73$33
42 years$567$347$205$118$66$30
43 years$547$331$193$109$60$26
44 years$529$316$181$100$54$23
45 years$511$301$170$93$49$21
46 years$494$287$159$86$45$18
47 years$478$274$150$79$41$16
48 years$463$262$141$73$37$14
49 years$448$250$132$67$34$13
50 years$434$239$124$62$30$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $445,000, adding $5,287 every year, while hoping to spend $29,284 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: 81/8/11 Blend
51$445,000$445,000$445,000$445,000
52$495,844$472,259$465,361$534,644
53$515,262$464,241$449,793$552,838
54$535,679$454,850$432,721$568,422
55$557,166$443,985$414,066$584,661
56$579,801$431,545$393,741$601,605
57$603,668$417,417$371,658$619,310
58$628,857$401,486$347,724$637,837
59$655,470$383,628$321,842$657,255
60$683,616$363,714$293,911$677,638
61$713,412$341,603$263,825$699,069
62$744,990$317,152$231,473$721,640
63$778,492$290,205$196,740$745,451
64$814,072$260,599$159,505$770,614
65$851,901$228,162$119,642$797,252
66$892,165$192,712$77,020$825,500
67$935,066$154,055$31,501$855,508
68$980,829$111,990$0$887,442
69$1,029,696$66,300$0$923,490
70$1,081,935$16,759$0$965,925
71$1,137,841$0$0$1,011,288
72$1,197,733$0$0$1,063,089
73$1,261,965$0$0$1,120,234
74$1,330,924$0$0$1,181,592
75$1,405,034$0$0$1,247,542
76$1,484,762$0$0$1,318,500
77$1,570,618$0$0$1,394,922
78$1,663,167$0$0$1,477,311
79$1,763,023$0$0$1,566,216
80$1,870,867$0$0$1,662,244
81$1,987,444$0$0$1,766,059
82$2,113,573$0$0$1,878,393
83$2,250,154$0$0$2,000,049
84$2,398,177$0$0$2,131,910
85$2,558,732$0$0$2,274,949
86$2,733,016$0$0$2,430,234
87$2,922,346$0$0$2,598,940
88$3,128,169$0$0$2,782,360
89$3,352,081$0$0$2,981,916
90$3,595,834$0$0$3,199,173
91$3,861,358$0$0$3,435,853
92$4,150,776$0$0$3,693,851
93$4,466,425$0$0$3,975,252
94$4,810,877$0$0$4,282,352
95$5,186,962$0$0$4,617,678
96$5,597,797$0$0$4,984,010
97$6,046,813$0$0$5,384,410
98$6,537,787$0$0$5,822,251
99$7,074,877$0$0$6,301,243
100$7,662,663$0$0$6,825,474