Can I retire at age 52 with 454,000?

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 $454,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$37,491$37,157$36,831$36,513$36,203$35,313
2 years$18,560$18,214$17,879$17,554$17,239$16,349
3 years$12,250$11,903$11,569$11,247$10,937$10,073
4 years$9,096$8,750$8,419$8,103$7,801$6,970
5 years$7,204$6,860$6,534$6,224$5,930$5,135
6 years$5,943$5,602$5,280$4,977$4,692$3,934
7 years$5,043$4,704$4,388$4,092$3,816$3,094
8 years$4,368$4,033$3,721$3,433$3,166$2,480
9 years$3,843$3,511$3,205$2,924$2,666$2,016
10 years$3,424$3,095$2,794$2,520$2,272$1,656
11 years$3,081$2,755$2,460$2,194$1,954$1,372
12 years$2,795$2,473$2,183$1,924$1,693$1,145
13 years$2,554$2,235$1,951$1,699$1,476$960
14 years$2,347$2,031$1,753$1,508$1,294$809
15 years$2,168$1,856$1,582$1,345$1,139$684
16 years$2,011$1,703$1,435$1,204$1,007$580
17 years$1,873$1,568$1,305$1,082$893$493
18 years$1,751$1,449$1,192$975$794$420
19 years$1,641$1,343$1,091$881$708$358
20 years$1,543$1,248$1,001$798$632$306
21 years$1,454$1,162$921$724$566$262
22 years$1,373$1,085$849$658$507$224
23 years$1,300$1,015$784$600$455$192
24 years$1,232$951$725$547$409$165
25 years$1,170$892$671$499$368$142
26 years$1,113$839$623$457$332$122
27 years$1,061$789$578$418$299$105
28 years$1,012$744$537$383$270$90
29 years$966$702$500$351$244$77
30 years$924$663$466$322$220$67
31 years$885$626$434$296$199$57
32 years$848$593$405$272$180$49
33 years$813$561$378$250$163$42
34 years$781$532$354$230$147$37
35 years$750$504$331$212$134$32
36 years$721$479$309$195$121$27
37 years$694$455$289$180$110$23
38 years$668$432$271$166$99$20
39 years$644$411$254$153$90$17
40 years$621$391$238$141$82$15
41 years$599$372$223$130$74$13
42 years$578$354$209$120$67$11
43 years$558$338$196$111$61$10
44 years$539$322$184$102$55$8
45 years$521$307$173$94$50$7
46 years$504$293$163$87$46$6
47 years$488$279$153$81$42$5
48 years$472$267$144$74$38$5
49 years$458$255$135$69$34$4
50 years$443$243$127$64$31$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $454,000, adding $2,462 every year, while hoping to spend $30,204 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: 43/37/20 Blend
51$454,000$454,000$454,000$454,000
52$502,848$478,786$471,749$521,446
53$522,001$470,109$455,415$526,161
54$542,096$459,995$437,523$528,129
55$563,197$448,342$417,986$529,638
56$585,372$435,040$396,718$530,661
57$608,699$419,976$373,627$531,171
58$633,259$403,027$348,616$531,140
59$659,141$384,066$321,585$530,539
60$686,445$362,956$292,429$529,341
61$715,276$339,554$261,039$527,518
62$745,750$313,708$227,300$525,042
63$777,994$285,258$191,092$521,886
64$812,147$254,033$152,291$518,025
65$848,359$219,854$110,766$513,433
66$886,796$182,531$66,381$508,088
67$927,639$141,865$18,995$501,967
68$971,085$97,643$0$495,052
69$1,017,351$49,643$0$494,065
70$1,066,673$0$0$497,019
71$1,119,311$0$0$500,847
72$1,175,548$0$0$526,565
73$1,235,698$0$0$554,107
74$1,300,100$0$0$583,634
75$1,369,129$0$0$615,323
76$1,443,196$0$0$649,367
77$1,522,753$0$0$685,979
78$1,608,293$0$0$725,392
79$1,700,361$0$0$767,862
80$1,799,552$0$0$813,672
81$1,906,521$0$0$863,130
82$2,021,990$0$0$916,576
83$2,146,747$0$0$974,385
84$2,281,663$0$0$1,036,966
85$2,427,693$0$0$1,104,770
86$2,585,887$0$0$1,178,295
87$2,757,399$0$0$1,258,086
88$2,943,500$0$0$1,344,743
89$3,145,586$0$0$1,438,926
90$3,365,193$0$0$1,541,362
91$3,604,010$0$0$1,652,850
92$3,863,898$0$0$1,774,270
93$4,146,900$0$0$1,906,588
94$4,455,269$0$0$2,050,870
95$4,791,481$0$0$2,208,288
96$5,158,263$0$0$2,380,132
97$5,558,615$0$0$2,567,822
98$5,995,840$0$0$2,772,920
99$6,473,575$0$0$2,997,150
100$6,995,824$0$0$3,242,404