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%11.3%
1 years$37,739$37,402$37,075$36,754$36,442$36,243
2 years$18,682$18,335$17,997$17,670$17,353$17,152
3 years$12,331$11,982$11,645$11,322$11,010$10,813
4 years$9,156$8,808$8,475$8,157$7,852$7,661
5 years$7,252$6,906$6,577$6,265$5,969$5,785
6 years$5,983$5,639$5,315$5,010$4,723$4,546
7 years$5,076$4,736$4,417$4,119$3,841$3,671
8 years$4,397$4,059$3,746$3,455$3,187$3,023
9 years$3,869$3,534$3,226$2,943$2,684$2,527
10 years$3,447$3,115$2,813$2,537$2,287$2,136
11 years$3,101$2,773$2,476$2,208$1,967$1,823
12 years$2,814$2,489$2,198$1,937$1,704$1,567
13 years$2,571$2,250$1,963$1,710$1,486$1,355
14 years$2,363$2,045$1,764$1,518$1,303$1,178
15 years$2,182$1,868$1,593$1,354$1,147$1,028
16 years$2,025$1,714$1,444$1,212$1,014$901
17 years$1,886$1,578$1,314$1,089$899$792
18 years$1,762$1,458$1,200$981$799$698
19 years$1,652$1,352$1,098$887$712$616
20 years$1,553$1,256$1,008$803$636$545
21 years$1,464$1,170$927$729$569$483
22 years$1,382$1,092$854$663$510$429
23 years$1,308$1,021$789$604$458$382
24 years$1,241$957$730$551$412$340
25 years$1,178$898$676$503$371$303
26 years$1,121$844$627$460$334$270
27 years$1,068$794$582$421$301$241
28 years$1,019$749$541$386$272$215
29 years$973$706$503$354$245$192
30 years$930$667$469$324$222$172
31 years$890$630$437$298$200$154
32 years$853$597$408$274$181$138
33 years$818$565$381$252$164$123
34 years$786$535$356$232$148$110
35 years$755$508$333$213$134$99
36 years$726$482$311$196$122$89
37 years$698$458$291$181$110$79
38 years$673$435$273$167$100$71
39 years$648$414$256$154$91$64
40 years$625$394$240$142$82$57
41 years$603$375$225$131$75$51
42 years$582$357$211$121$68$46
43 years$562$340$198$112$62$41
44 years$543$324$186$103$56$37
45 years$525$309$174$95$51$33
46 years$508$295$164$88$46$30
47 years$491$281$154$81$42$27
48 years$476$269$145$75$38$24
49 years$461$256$136$69$34$22
50 years$446$245$128$64$31$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $457,000, adding $2,163 every year, while hoping to spend $21,774 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: 52/37/11 Blend
51$457,000$457,000$457,000$457,000
52$505,845$481,624$474,541$530,583
53$534,274$482,056$467,270$548,117
54$564,873$481,780$459,027$564,661
55$597,840$480,737$449,754$582,150
56$633,393$478,867$439,395$600,678
57$671,772$476,104$427,887$620,350
58$713,239$472,380$415,168$641,283
59$758,084$467,621$401,170$663,606
60$806,624$461,750$385,825$687,464
61$859,208$454,684$369,059$713,016
62$916,221$446,337$350,795$740,441
63$978,084$436,616$330,956$769,934
64$1,045,262$425,424$309,456$801,716
65$1,118,266$412,656$286,210$836,029
66$1,197,657$398,205$261,126$873,142
67$1,284,054$381,953$234,110$913,353
68$1,378,137$363,778$205,062$956,994
69$1,480,654$343,550$173,879$1,004,432
70$1,592,430$321,133$140,453$1,056,073
71$1,714,370$296,381$104,670$1,112,367
72$1,847,472$269,140$66,414$1,173,813
73$1,992,836$239,250$25,560$1,240,965
74$2,151,670$206,537$0$1,314,434
75$2,325,305$170,822$0$1,397,014
76$2,515,207$131,914$0$1,490,678
77$2,722,990$89,609$0$1,593,268
78$2,950,430$43,695$0$1,705,720
79$3,199,485$0$0$1,829,069
80$3,472,308$0$0$1,966,919
81$3,771,274$0$0$2,137,519
82$4,098,995$0$0$2,324,573
83$4,458,350$0$0$2,529,732
84$4,852,509$0$0$2,754,811
85$5,284,963$0$0$3,001,809
86$5,759,559$0$0$3,272,931
87$6,280,532$0$0$3,570,603
88$6,852,550$0$0$3,897,498
89$7,480,754$0$0$4,256,561
90$8,170,805$0$0$4,651,036
91$8,928,942$0$0$5,084,497
92$9,762,038$0$0$5,560,882
93$10,677,663$0$0$6,084,527
94$11,684,159$0$0$6,660,213
95$12,790,715$0$0$7,293,202
96$14,007,455$0$0$7,989,296
97$15,345,533$0$0$8,754,886
98$16,817,238$0$0$9,597,013
99$18,436,111$0$0$10,523,434
100$20,217,070$0$0$11,542,697