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%19.1%
1 years$37,078$36,748$36,426$36,111$35,804$34,492
2 years$18,355$18,014$17,682$17,361$17,049$15,743
3 years$12,115$11,772$11,442$11,123$10,817$9,556
4 years$8,996$8,654$8,327$8,014$7,715$6,509
5 years$7,125$6,785$6,462$6,155$5,865$4,718
6 years$5,878$5,540$5,222$4,922$4,640$3,553
7 years$4,987$4,653$4,340$4,047$3,774$2,746
8 years$4,320$3,988$3,680$3,395$3,131$2,161
9 years$3,801$3,472$3,170$2,892$2,637$1,724
10 years$3,386$3,061$2,764$2,493$2,247$1,389
11 years$3,047$2,725$2,433$2,169$1,932$1,128
12 years$2,765$2,446$2,159$1,903$1,674$922
13 years$2,526$2,210$1,929$1,680$1,460$757
14 years$2,321$2,009$1,733$1,491$1,280$624
15 years$2,144$1,835$1,565$1,330$1,127$516
16 years$1,989$1,684$1,419$1,191$996$428
17 years$1,853$1,551$1,291$1,070$883$356
18 years$1,732$1,433$1,179$964$785$296
19 years$1,623$1,328$1,079$871$700$247
20 years$1,526$1,234$990$789$625$206
21 years$1,438$1,149$911$716$559$172
22 years$1,358$1,073$839$651$501$144
23 years$1,285$1,004$775$593$450$120
24 years$1,219$940$717$541$405$101
25 years$1,158$882$664$494$364$84
26 years$1,101$829$616$452$328$71
27 years$1,049$780$572$413$296$59
28 years$1,001$735$532$379$267$50
29 years$956$694$495$347$241$42
30 years$914$655$461$319$218$35
31 years$875$619$430$293$197$29
32 years$838$586$401$269$178$25
33 years$804$555$374$247$161$21
34 years$772$526$350$228$146$17
35 years$742$499$327$210$132$15
36 years$713$474$306$193$120$12
37 years$686$450$286$178$108$10
38 years$661$427$268$164$98$9
39 years$637$406$251$151$89$7
40 years$614$387$235$139$81$6
41 years$592$368$221$129$73$5
42 years$572$351$207$119$67$4
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$1
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 $4,481 every year, while hoping to spend $37,156 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: 60/19/21 Blend
51$449,000$449,000$449,000$449,000
52$499,420$475,623$468,664$526,371
53$510,827$459,395$444,830$528,930
54$522,153$441,126$418,953$527,258
55$533,349$420,678$390,924$524,602
56$544,362$397,903$360,632$520,872
57$555,131$372,645$327,958$515,973
58$565,590$344,739$292,779$509,801
59$575,661$314,012$254,968$502,242
60$585,259$280,279$214,390$493,175
61$594,288$243,346$170,906$482,466
62$602,643$203,008$124,368$469,974
63$610,204$159,047$74,626$455,543
64$616,838$111,233$21,519$439,006
65$622,397$59,325$0$420,179
66$626,716$3,066$0$406,743
67$629,612$0$0$396,264
68$630,881$0$0$395,811
69$630,296$0$0$394,752
70$627,607$0$0$392,281
71$622,533$0$0$388,211
72$614,765$0$0$382,338
73$603,960$0$0$374,433
74$589,738$0$0$364,245
75$571,676$0$0$351,493
76$549,308$0$0$335,868
77$522,117$0$0$317,029
78$489,531$0$0$294,595
79$450,918$0$0$268,148
80$405,577$0$0$237,223
81$352,734$0$0$201,308
82$291,533$0$0$159,837
83$221,028$0$0$112,182
84$140,175$0$0$57,652
85$47,817$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0