Can I retire at age 52 with 457,000?

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 $457,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$37,739$37,402$37,075$36,754$36,442$35,633
2 years$18,682$18,335$17,997$17,670$17,353$16,543
3 years$12,331$11,982$11,645$11,322$11,010$10,223
4 years$9,156$8,808$8,475$8,157$7,852$7,095
5 years$7,252$6,906$6,577$6,265$5,969$5,243
6 years$5,983$5,639$5,315$5,010$4,723$4,030
7 years$5,076$4,736$4,417$4,119$3,841$3,180
8 years$4,397$4,059$3,746$3,455$3,187$2,558
9 years$3,869$3,534$3,226$2,943$2,684$2,087
10 years$3,447$3,115$2,813$2,537$2,287$1,721
11 years$3,101$2,773$2,476$2,208$1,967$1,431
12 years$2,814$2,489$2,198$1,937$1,704$1,199
13 years$2,571$2,250$1,963$1,710$1,486$1,009
14 years$2,363$2,045$1,764$1,518$1,303$854
15 years$2,182$1,868$1,593$1,354$1,147$725
16 years$2,025$1,714$1,444$1,212$1,014$617
17 years$1,886$1,578$1,314$1,089$899$527
18 years$1,762$1,458$1,200$981$799$451
19 years$1,652$1,352$1,098$887$712$386
20 years$1,553$1,256$1,008$803$636$332
21 years$1,464$1,170$927$729$569$285
22 years$1,382$1,092$854$663$510$245
23 years$1,308$1,021$789$604$458$211
24 years$1,241$957$730$551$412$182
25 years$1,178$898$676$503$371$157
26 years$1,121$844$627$460$334$136
27 years$1,068$794$582$421$301$117
28 years$1,019$749$541$386$272$101
29 years$973$706$503$354$245$88
30 years$930$667$469$324$222$76
31 years$890$630$437$298$200$65
32 years$853$597$408$274$181$57
33 years$818$565$381$252$164$49
34 years$786$535$356$232$148$42
35 years$755$508$333$213$134$37
36 years$726$482$311$196$122$32
37 years$698$458$291$181$110$28
38 years$673$435$273$167$100$24
39 years$648$414$256$154$91$21
40 years$625$394$240$142$82$18
41 years$603$375$225$131$75$15
42 years$582$357$211$121$68$13
43 years$562$340$198$112$62$12
44 years$543$324$186$103$56$10
45 years$525$309$174$95$51$9
46 years$508$295$164$88$46$8
47 years$491$281$154$81$42$7
48 years$476$269$145$75$38$6
49 years$461$256$136$69$34$5
50 years$446$245$128$64$31$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $457,000, adding $2,375 every year, while hoping to spend $33,302 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: 59/29/12 Blend
51$457,000$457,000$457,000$457,000
52$506,064$481,843$474,759$534,302
53$522,249$470,020$455,231$541,777
54$538,969$456,502$433,932$545,982
55$556,244$441,170$410,768$549,766
56$574,093$423,899$385,641$553,094
57$592,537$404,557$358,446$555,926
58$611,599$383,004$329,078$558,220
59$631,302$359,091$297,422$559,932
60$651,671$332,662$263,361$561,016
61$672,730$303,551$226,773$561,424
62$694,507$271,584$187,528$561,103
63$717,029$236,574$145,493$559,999
64$740,327$198,327$100,528$558,055
65$764,432$156,636$52,486$555,209
66$789,375$111,283$1,216$551,398
67$815,193$62,037$0$546,555
68$841,921$8,655$0$547,459
69$869,597$0$0$547,798
70$898,264$0$0$563,033
71$927,963$0$0$581,681
72$958,742$0$0$601,010
73$990,647$0$0$621,051
74$1,023,732$0$0$641,836
75$1,058,050$0$0$663,400
76$1,093,661$0$0$685,781
77$1,130,626$0$0$709,018
78$1,169,012$0$0$733,154
79$1,208,890$0$0$758,234
80$1,250,335$0$0$784,306
81$1,293,430$0$0$811,423
82$1,338,260$0$0$839,641
83$1,384,919$0$0$869,018
84$1,433,508$0$0$899,619
85$1,484,133$0$0$931,513
86$1,536,911$0$0$964,775
87$1,591,966$0$0$999,484
88$1,649,433$0$0$1,035,727
89$1,709,456$0$0$1,073,597
90$1,772,194$0$0$1,113,195
91$1,837,814$0$0$1,154,630
92$1,906,500$0$0$1,198,020
93$1,978,451$0$0$1,243,492
94$2,053,882$0$0$1,291,186
95$2,133,027$0$0$1,341,252
96$2,216,138$0$0$1,393,852
97$2,303,491$0$0$1,449,166
98$2,395,385$0$0$1,507,385
99$2,492,146$0$0$1,568,721
100$2,594,128$0$0$1,633,401