Can I retire at age 52 with 449,000?

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 $449,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$37,078$36,748$36,426$36,111$35,804$34,520
2 years$18,355$18,014$17,682$17,361$17,049$15,770
3 years$12,115$11,772$11,442$11,123$10,817$9,582
4 years$8,996$8,654$8,327$8,014$7,715$6,533
5 years$7,125$6,785$6,462$6,155$5,865$4,740
6 years$5,878$5,540$5,222$4,922$4,640$3,574
7 years$4,987$4,653$4,340$4,047$3,774$2,765
8 years$4,320$3,988$3,680$3,395$3,131$2,179
9 years$3,801$3,472$3,170$2,892$2,637$1,740
10 years$3,386$3,061$2,764$2,493$2,247$1,404
11 years$3,047$2,725$2,433$2,169$1,932$1,142
12 years$2,765$2,446$2,159$1,903$1,674$934
13 years$2,526$2,210$1,929$1,680$1,460$768
14 years$2,321$2,009$1,733$1,491$1,280$634
15 years$2,144$1,835$1,565$1,330$1,127$525
16 years$1,989$1,684$1,419$1,191$996$436
17 years$1,853$1,551$1,291$1,070$883$363
18 years$1,732$1,433$1,179$964$785$303
19 years$1,623$1,328$1,079$871$700$253
20 years$1,526$1,234$990$789$625$211
21 years$1,438$1,149$911$716$559$177
22 years$1,358$1,073$839$651$501$148
23 years$1,285$1,004$775$593$450$124
24 years$1,219$940$717$541$405$104
25 years$1,158$882$664$494$364$87
26 years$1,101$829$616$452$328$73
27 years$1,049$780$572$413$296$61
28 years$1,001$735$532$379$267$52
29 years$956$694$495$347$241$43
30 years$914$655$461$319$218$36
31 years$875$619$430$293$197$31
32 years$838$586$401$269$178$26
33 years$804$555$374$247$161$22
34 years$772$526$350$228$146$18
35 years$742$499$327$210$132$15
36 years$713$474$306$193$120$13
37 years$686$450$286$178$108$11
38 years$661$427$268$164$98$9
39 years$637$406$251$151$89$8
40 years$614$387$235$139$81$6
41 years$592$368$221$129$73$5
42 years$572$351$207$119$67$5
43 years$552$334$194$110$60$4
44 years$533$318$182$101$55$3
45 years$516$304$171$93$50$3
46 years$499$290$161$86$45$2
47 years$483$276$151$80$41$2
48 years$467$264$142$74$37$2
49 years$452$252$133$68$34$1
50 years$438$241$125$63$31$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $449,000, adding $3,148 every year, while hoping to spend $25,611 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: 44/32/24 Blend
51$449,000$449,000$449,000$449,000
52$498,045$474,248$467,289$516,371
53$521,596$470,236$455,693$525,660
54$546,690$465,170$442,850$533,000
55$573,459$458,969$428,692$540,447
56$602,045$451,552$413,146$548,025
57$632,604$442,829$396,138$555,760
58$665,309$432,707$377,588$563,686
59$700,348$421,086$357,414$571,839
60$737,926$407,862$335,530$580,264
61$778,271$392,924$311,846$589,011
62$821,631$376,153$286,270$598,137
63$868,279$357,427$258,701$607,709
64$918,514$336,612$229,039$617,803
65$972,667$313,569$197,175$628,505
66$1,031,097$288,152$162,999$639,913
67$1,094,202$260,206$126,393$652,139
68$1,162,420$229,564$87,236$665,309
69$1,236,228$196,055$45,400$679,566
70$1,316,155$159,493$753$695,070
71$1,402,781$119,686$0$712,004
72$1,496,742$76,428$0$742,581
73$1,598,740$29,503$0$776,009
74$1,709,545$0$0$812,390
75$1,830,007$0$0$859,562
76$1,961,057$0$0$922,231
77$2,103,722$0$0$990,504
78$2,259,133$0$0$1,064,929
79$2,428,531$0$0$1,146,107
80$2,613,286$0$0$1,234,700
81$2,814,902$0$0$1,331,439
82$3,035,038$0$0$1,437,124
83$3,275,518$0$0$1,552,641
84$3,538,350$0$0$1,678,962
85$3,825,746$0$0$1,817,158
86$4,140,140$0$0$1,968,409
87$4,484,215$0$0$2,134,013
88$4,860,920$0$0$2,315,401
89$5,273,509$0$0$2,514,148
90$5,725,559$0$0$2,731,987
91$6,221,015$0$0$2,970,831
92$6,764,217$0$0$3,232,782
93$7,359,949$0$0$3,520,159
94$8,013,478$0$0$3,835,513
95$8,730,606$0$0$4,181,657
96$9,517,722$0$0$4,561,687
97$10,381,868$0$0$4,979,016
98$11,330,796$0$0$5,437,402
99$12,373,049$0$0$5,940,984
100$13,518,038$0$0$6,494,325