Can I retire at age 52 with 450,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $450,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$37,161$36,830$36,507$36,191$35,884$34,833
2 years$18,396$18,054$17,722$17,400$17,087$16,037
3 years$12,142$11,798$11,467$11,148$10,841$9,824
4 years$9,016$8,673$8,345$8,032$7,732$6,757
5 years$7,141$6,800$6,476$6,169$5,878$4,946
6 years$5,891$5,552$5,234$4,933$4,651$3,764
7 years$4,999$4,663$4,349$4,056$3,782$2,941
8 years$4,330$3,997$3,688$3,403$3,138$2,341
9 years$3,810$3,480$3,177$2,898$2,642$1,889
10 years$3,394$3,068$2,770$2,498$2,252$1,540
11 years$3,054$2,731$2,438$2,174$1,936$1,266
12 years$2,771$2,451$2,164$1,907$1,678$1,048
13 years$2,531$2,215$1,933$1,684$1,463$872
14 years$2,326$2,013$1,737$1,495$1,283$728
15 years$2,149$1,839$1,568$1,333$1,129$611
16 years$1,994$1,688$1,422$1,193$998$513
17 years$1,857$1,554$1,294$1,072$885$433
18 years$1,735$1,436$1,181$966$787$365
19 years$1,627$1,331$1,081$873$701$309
20 years$1,529$1,237$992$791$627$262
21 years$1,441$1,152$913$718$561$222
22 years$1,361$1,075$841$653$503$188
23 years$1,288$1,006$777$594$451$160
24 years$1,222$942$718$542$405$136
25 years$1,160$884$665$495$365$116
26 years$1,104$831$617$453$329$98
27 years$1,051$782$573$414$296$84
28 years$1,003$737$533$380$267$71
29 years$958$695$496$348$241$61
30 years$916$657$462$319$218$52
31 years$877$621$430$293$197$44
32 years$840$587$402$270$178$38
33 years$806$556$375$248$161$32
34 years$774$527$350$228$146$27
35 years$743$500$328$210$132$23
36 years$715$475$306$193$120$20
37 years$688$451$287$178$109$17
38 years$662$428$269$164$99$14
39 years$638$407$252$151$89$12
40 years$615$388$236$140$81$10
41 years$594$369$221$129$74$9
42 years$573$351$207$119$67$8
43 years$553$335$195$110$61$7
44 years$535$319$183$101$55$6
45 years$517$304$172$94$50$5
46 years$500$290$161$86$45$4
47 years$484$277$151$80$41$3
48 years$468$264$142$74$37$3
49 years$454$253$134$68$34$3
50 years$439$241$126$63$31$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $450,000, adding $5,125 every year, while hoping to spend $25,353 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: 49/23/28 Blend
51$450,000$450,000$450,000$450,000
52$501,186$477,336$470,361$521,537
53$525,332$473,751$459,143$532,743
54$551,091$469,139$446,699$541,998
55$578,600$463,425$432,962$551,561
56$608,012$456,528$417,861$561,472
57$639,491$448,359$401,321$571,779
58$673,219$438,828$383,265$582,535
59$709,395$427,839$363,612$593,800
60$748,237$415,287$342,277$605,644
61$789,985$401,064$319,171$618,144
62$834,903$385,055$294,202$631,388
63$883,279$367,139$267,274$645,474
64$935,430$347,186$238,285$660,514
65$991,706$325,060$207,130$676,632
66$1,052,490$300,617$173,698$693,969
67$1,118,201$273,705$137,874$712,682
68$1,189,303$244,162$99,538$732,947
69$1,266,305$211,819$58,566$754,962
70$1,349,765$176,495$14,825$778,947
71$1,440,298$138,000$0$805,149
72$1,538,581$96,135$0$843,360
73$1,645,357$50,686$0$889,716
74$1,761,444$1,430$0$940,172
75$1,887,742$0$0$995,154
76$2,025,241$0$0$1,068,266
77$2,175,031$0$0$1,148,352
78$2,338,312$0$0$1,235,697
79$2,516,401$0$0$1,331,013
80$2,710,753$0$0$1,435,083
81$2,922,965$0$0$1,548,770
82$3,154,798$0$0$1,673,024
83$3,408,189$0$0$1,808,889
84$3,685,272$0$0$1,957,517
85$3,988,394$0$0$2,120,175
86$4,320,143$0$0$2,298,258
87$4,683,365$0$0$2,493,303
88$5,081,197$0$0$2,707,002
89$5,517,092$0$0$2,941,219
90$5,994,853$0$0$3,198,007
91$6,518,668$0$0$3,479,625
92$7,093,152$0$0$3,788,565
93$7,723,384$0$0$4,127,567
94$8,414,962$0$0$4,499,654
95$9,174,051$0$0$4,908,153
96$10,007,441$0$0$5,356,729
97$10,922,612$0$0$5,849,419
98$11,927,804$0$0$6,390,673
99$13,032,096$0$0$6,985,390
100$14,245,486$0$0$7,638,969