Can I retire at age 52 with 451,000?

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 $451,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$37,243$36,911$36,588$36,272$35,963$34,826
2 years$18,437$18,094$17,761$17,438$17,125$15,990
3 years$12,169$11,825$11,493$11,173$10,865$9,767
4 years$9,036$8,692$8,364$8,049$7,749$6,697
5 years$7,157$6,815$6,491$6,183$5,891$4,887
6 years$5,904$5,565$5,245$4,944$4,661$3,707
7 years$5,010$4,673$4,359$4,065$3,791$2,886
8 years$4,339$4,006$3,697$3,410$3,145$2,289
9 years$3,818$3,488$3,184$2,905$2,648$1,840
10 years$3,401$3,074$2,776$2,504$2,257$1,495
11 years$3,061$2,737$2,444$2,179$1,941$1,225
12 years$2,777$2,457$2,169$1,911$1,682$1,009
13 years$2,537$2,220$1,938$1,687$1,467$836
14 years$2,331$2,018$1,741$1,498$1,286$696
15 years$2,154$1,843$1,572$1,336$1,132$581
16 years$1,998$1,691$1,425$1,196$1,000$486
17 years$1,861$1,558$1,297$1,075$887$408
18 years$1,739$1,439$1,184$969$789$343
19 years$1,631$1,334$1,084$875$703$289
20 years$1,533$1,240$995$793$628$243
21 years$1,444$1,155$915$719$562$205
22 years$1,364$1,078$843$654$504$173
23 years$1,291$1,008$779$596$452$147
24 years$1,224$944$720$543$406$124
25 years$1,163$886$667$496$366$105
26 years$1,106$833$618$454$329$89
27 years$1,054$784$574$415$297$75
28 years$1,005$739$534$380$268$64
29 years$960$697$497$349$242$54
30 years$918$658$463$320$219$46
31 years$879$622$431$294$198$39
32 years$842$589$403$270$179$33
33 years$808$557$376$249$162$28
34 years$775$528$351$229$147$24
35 years$745$501$328$210$133$20
36 years$716$476$307$194$120$17
37 years$689$452$287$179$109$14
38 years$664$429$269$165$99$12
39 years$640$408$252$152$90$10
40 years$617$388$236$140$81$9
41 years$595$370$222$129$74$8
42 years$574$352$208$119$67$6
43 years$555$336$195$110$61$5
44 years$536$320$183$102$55$5
45 years$518$305$172$94$50$4
46 years$501$291$162$87$45$3
47 years$485$278$152$80$41$3
48 years$469$265$143$74$37$2
49 years$455$253$134$68$34$2
50 years$440$242$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 $451,000, adding $5,088 every year, while hoping to spend $34,286 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: 42/43/15 Blend
51$451,000$451,000$451,000$451,000
52$502,250$478,347$471,357$520,940
53$517,000$465,306$450,667$521,553
54$532,105$450,477$428,135$518,442
55$547,565$433,736$403,663$514,334
56$563,379$414,952$377,149$509,154
57$579,546$393,986$348,485$502,823
58$596,060$370,692$317,560$495,255
59$612,917$344,915$284,257$486,360
60$630,109$316,491$248,455$476,041
61$647,628$285,246$210,025$464,196
62$665,460$250,997$168,835$450,717
63$683,592$213,551$124,746$435,488
64$702,007$172,704$77,614$418,388
65$720,683$128,238$27,286$399,284
66$739,598$79,926$0$378,039
67$758,722$27,528$0$358,736
68$778,022$0$0$341,922
69$797,462$0$0$336,911
70$816,997$0$0$344,939
71$836,577$0$0$352,956
72$856,147$0$0$360,935
73$875,641$0$0$368,845
74$894,987$0$0$376,651
75$914,102$0$0$384,314
76$932,893$0$0$391,790
77$951,256$0$0$399,030
78$969,073$0$0$405,977
79$986,212$0$0$412,569
80$1,002,526$0$0$418,737
81$1,017,849$0$0$424,403
82$1,031,996$0$0$429,480
83$1,044,762$0$0$433,871
84$1,055,916$0$0$437,469
85$1,065,202$0$0$440,152
86$1,072,335$0$0$441,789
87$1,076,998$0$0$442,229
88$1,078,838$0$0$441,309
89$1,077,464$0$0$438,845
90$1,072,440$0$0$434,634
91$1,063,283$0$0$428,452
92$1,049,457$0$0$420,047
93$1,030,370$0$0$409,144
94$1,005,363$0$0$395,435
95$973,707$0$0$378,582
96$934,594$0$0$358,208
97$887,132$0$0$333,898
98$830,330$0$0$305,192
99$763,095$0$0$271,581
100$684,216$0$0$232,502