Can I retire at age 52 with 456,000?

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 $456,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$37,656$37,321$36,993$36,674$36,362$35,952
2 years$18,642$18,294$17,958$17,632$17,315$16,903
3 years$12,304$11,956$11,620$11,297$10,986$10,583
4 years$9,136$8,789$8,456$8,139$7,835$7,446
5 years$7,236$6,890$6,562$6,251$5,956$5,581
6 years$5,969$5,627$5,303$4,999$4,713$4,353
7 years$5,065$4,725$4,407$4,110$3,833$3,488
8 years$4,387$4,050$3,738$3,448$3,180$2,849
9 years$3,860$3,527$3,219$2,937$2,678$2,362
10 years$3,439$3,108$2,807$2,532$2,282$1,980
11 years$3,094$2,767$2,471$2,203$1,962$1,675
12 years$2,808$2,484$2,193$1,933$1,700$1,428
13 years$2,565$2,245$1,959$1,706$1,483$1,224
14 years$2,357$2,040$1,760$1,515$1,300$1,054
15 years$2,177$1,864$1,589$1,351$1,144$911
16 years$2,020$1,710$1,441$1,209$1,011$791
17 years$1,882$1,575$1,311$1,087$897$688
18 years$1,759$1,455$1,197$979$797$601
19 years$1,649$1,349$1,096$885$711$525
20 years$1,550$1,253$1,006$801$635$460
21 years$1,460$1,167$925$727$568$404
22 years$1,379$1,090$853$661$509$355
23 years$1,305$1,019$787$602$457$312
24 years$1,238$955$728$549$411$275
25 years$1,176$896$674$502$370$242
26 years$1,118$842$625$459$333$213
27 years$1,065$793$581$420$300$188
28 years$1,016$747$540$385$271$166
29 years$971$705$502$353$245$147
30 years$928$665$468$324$221$130
31 years$889$629$436$297$200$115
32 years$851$595$407$273$181$102
33 years$817$564$380$251$164$90
34 years$784$534$355$231$148$80
35 years$753$507$332$213$134$71
36 years$724$481$311$196$122$63
37 years$697$457$291$181$110$55
38 years$671$434$272$166$100$49
39 years$647$413$255$153$91$44
40 years$623$393$239$142$82$39
41 years$601$374$224$131$75$34
42 years$581$356$210$121$68$30
43 years$561$339$197$111$61$27
44 years$542$323$185$103$56$24
45 years$524$308$174$95$51$21
46 years$507$294$163$88$46$19
47 years$490$281$153$81$42$17
48 years$475$268$144$75$38$15
49 years$460$256$136$69$34$13
50 years$445$244$127$64$31$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $456,000, adding $3,470 every year, while hoping to spend $20,295 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: 42/46/12 Blend
51$456,000$456,000$456,000$456,000
52$506,091$481,923$474,855$525,430
53$536,119$483,944$469,169$541,344
54$568,529$485,383$462,612$556,274
55$603,544$486,191$455,134$571,991
56$641,406$486,315$446,682$588,577
57$682,383$485,699$437,200$606,122
58$726,770$484,283$426,631$624,725
59$774,891$482,002$414,913$644,498
60$827,100$478,791$401,983$665,567
61$883,790$474,577$387,774$688,068
62$945,390$469,285$372,219$712,157
63$1,012,374$462,834$355,242$738,004
64$1,085,263$455,140$336,770$765,801
65$1,164,631$446,112$316,722$795,759
66$1,251,106$435,655$295,015$828,113
67$1,345,384$423,667$271,563$863,127
68$1,448,229$410,042$246,276$901,089
69$1,560,480$394,666$219,058$942,324
70$1,683,064$377,420$189,812$987,189
71$1,816,999$358,176$158,433$1,036,082
72$1,963,406$336,800$124,814$1,089,444
73$2,123,521$313,151$88,843$1,147,763
74$2,298,703$287,078$50,402$1,211,584
75$2,490,449$258,423$9,369$1,281,506
76$2,700,407$227,018$0$1,358,196
77$2,930,393$192,686$0$1,446,799
78$3,182,406$155,240$0$1,545,293
79$3,458,646$114,482$0$1,653,401
80$3,761,540$70,204$0$1,772,143
81$4,093,758$22,184$0$1,902,649
82$4,458,241$0$0$2,046,169
83$4,858,229$0$0$2,219,172
84$5,297,291$0$0$2,421,461
85$5,779,358$0$0$2,643,625
86$6,308,761$0$0$2,887,668
87$6,890,270$0$0$3,155,797
88$7,529,141$0$0$3,450,443
89$8,231,163$0$0$3,774,285
90$9,002,713$0$0$4,130,274
91$9,850,819$0$0$4,521,660
92$10,783,221$0$0$4,952,026
93$11,808,448$0$0$5,425,317
94$12,935,896$0$0$5,945,882
95$14,175,918$0$0$6,518,510
96$15,539,920$0$0$7,148,481
97$17,040,470$0$0$7,841,609
98$18,691,412$0$0$8,604,301
99$20,508,005$0$0$9,443,617
100$22,507,057$0$0$10,367,337