Can I retire at age 52 with 447,000?

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 $447,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$36,913$36,584$36,263$35,950$35,644$35,331
2 years$18,274$17,933$17,604$17,284$16,974$16,658
3 years$12,061$11,720$11,391$11,074$10,769$10,460
4 years$8,956$8,615$8,289$7,978$7,680$7,382
5 years$7,093$6,754$6,433$6,128$5,838$5,550
6 years$5,852$5,515$5,199$4,901$4,620$4,343
7 years$4,965$4,632$4,320$4,029$3,757$3,491
8 years$4,301$3,970$3,664$3,380$3,117$2,862
9 years$3,784$3,457$3,156$2,879$2,625$2,381
10 years$3,371$3,047$2,751$2,482$2,237$2,004
11 years$3,033$2,713$2,422$2,160$1,923$1,701
12 years$2,752$2,435$2,150$1,894$1,667$1,455
13 years$2,514$2,200$1,921$1,672$1,454$1,252
14 years$2,311$2,000$1,726$1,485$1,274$1,083
15 years$2,135$1,827$1,558$1,324$1,122$940
16 years$1,980$1,676$1,413$1,186$992$819
17 years$1,845$1,544$1,285$1,065$879$716
18 years$1,724$1,427$1,173$960$782$627
19 years$1,616$1,322$1,074$867$697$551
20 years$1,519$1,229$986$786$622$485
21 years$1,432$1,144$907$713$557$427
22 years$1,352$1,068$836$648$499$377
23 years$1,280$999$772$590$448$333
24 years$1,213$936$714$538$403$295
25 years$1,152$878$661$492$362$261
26 years$1,096$826$613$450$326$231
27 years$1,044$777$569$412$294$205
28 years$996$732$529$377$266$182
29 years$952$691$492$346$240$162
30 years$910$652$459$317$217$144
31 years$871$617$428$291$196$128
32 years$835$583$399$268$177$113
33 years$801$553$373$246$160$101
34 years$768$524$348$227$145$90
35 years$738$497$325$209$132$80
36 years$710$471$304$192$119$71
37 years$683$448$285$177$108$63
38 years$658$426$267$163$98$56
39 years$634$405$250$150$89$50
40 years$611$385$234$139$81$45
41 years$590$366$220$128$73$40
42 years$569$349$206$118$66$36
43 years$550$333$193$109$60$32
44 years$531$317$182$101$55$28
45 years$513$302$170$93$50$25
46 years$497$288$160$86$45$22
47 years$481$275$150$79$41$20
48 years$465$263$141$73$37$18
49 years$450$251$133$68$34$16
50 years$436$240$125$63$31$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $447,000, adding $6,936 every year, while hoping to spend $34,041 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: 56/23/21 Blend
51$447,000$447,000$447,000$447,000
52$499,748$476,057$469,129$524,541
53$514,503$463,165$448,625$529,357
54$529,623$448,500$426,294$530,389
55$545,107$431,939$402,038$530,773
56$560,957$413,353$375,755$530,458
57$577,171$392,604$347,340$529,385
58$593,748$369,547$316,681$527,495
59$610,683$344,028$283,663$524,724
60$627,971$315,884$248,164$521,001
61$645,606$284,943$210,058$516,256
62$663,576$251,024$169,214$510,408
63$681,872$213,935$125,494$503,375
64$700,478$173,473$78,753$495,067
65$719,376$129,423$28,841$485,391
66$738,548$81,560$0$474,244
67$757,967$29,644$0$466,991
68$777,606$0$0$465,296
69$797,431$0$0$469,333
70$817,404$0$0$480,941
71$837,482$0$0$492,591
72$857,614$0$0$504,252
73$877,742$0$0$515,886
74$897,802$0$0$527,453
75$917,720$0$0$538,907
76$937,412$0$0$550,195
77$956,785$0$0$561,259
78$975,732$0$0$572,032
79$994,134$0$0$582,440
80$1,011,858$0$0$592,399
81$1,028,754$0$0$601,817
82$1,044,655$0$0$610,589
83$1,059,372$0$0$618,597
84$1,072,698$0$0$625,714
85$1,084,400$0$0$631,792
86$1,094,217$0$0$636,672
87$1,101,860$0$0$640,173
88$1,107,008$0$0$642,096
89$1,109,303$0$0$642,219
90$1,108,348$0$0$640,295
91$1,103,700$0$0$636,051
92$1,094,872$0$0$629,183
93$1,081,318$0$0$619,355
94$1,062,437$0$0$606,193
95$1,037,562$0$0$589,283
96$1,005,951$0$0$568,169
97$966,787$0$0$542,343
98$919,163$0$0$511,243
99$862,075$0$0$474,249
100$794,412$0$0$430,673