Can I retire at age 52 with 457,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%13.4%
1 years$37,739$37,402$37,075$36,754$36,442$35,927
2 years$18,682$18,335$17,997$17,670$17,353$16,835
3 years$12,331$11,982$11,645$11,322$11,010$10,505
4 years$9,156$8,808$8,475$8,157$7,852$7,365
5 years$7,252$6,906$6,577$6,265$5,969$5,500
6 years$5,983$5,639$5,315$5,010$4,723$4,273
7 years$5,076$4,736$4,417$4,119$3,841$3,411
8 years$4,397$4,059$3,746$3,455$3,187$2,775
9 years$3,869$3,534$3,226$2,943$2,684$2,291
10 years$3,447$3,115$2,813$2,537$2,287$1,913
11 years$3,101$2,773$2,476$2,208$1,967$1,611
12 years$2,814$2,489$2,198$1,937$1,704$1,367
13 years$2,571$2,250$1,963$1,710$1,486$1,166
14 years$2,363$2,045$1,764$1,518$1,303$1,000
15 years$2,182$1,868$1,593$1,354$1,147$860
16 years$2,025$1,714$1,444$1,212$1,014$743
17 years$1,886$1,578$1,314$1,089$899$644
18 years$1,762$1,458$1,200$981$799$559
19 years$1,652$1,352$1,098$887$712$486
20 years$1,553$1,256$1,008$803$636$424
21 years$1,464$1,170$927$729$569$370
22 years$1,382$1,092$854$663$510$323
23 years$1,308$1,021$789$604$458$283
24 years$1,241$957$730$551$412$248
25 years$1,178$898$676$503$371$217
26 years$1,121$844$627$460$334$190
27 years$1,068$794$582$421$301$167
28 years$1,019$749$541$386$272$147
29 years$973$706$503$354$245$129
30 years$930$667$469$324$222$113
31 years$890$630$437$298$200$100
32 years$853$597$408$274$181$88
33 years$818$565$381$252$164$77
34 years$786$535$356$232$148$68
35 years$755$508$333$213$134$60
36 years$726$482$311$196$122$53
37 years$698$458$291$181$110$46
38 years$673$435$273$167$100$41
39 years$648$414$256$154$91$36
40 years$625$394$240$142$82$32
41 years$603$375$225$131$75$28
42 years$582$357$211$121$68$25
43 years$562$340$198$112$62$22
44 years$543$324$186$103$56$19
45 years$525$309$174$95$51$17
46 years$508$295$164$88$46$15
47 years$491$281$154$81$42$13
48 years$476$269$145$75$38$12
49 years$461$256$136$69$34$10
50 years$446$245$128$64$31$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $457,000, adding $2,591 every year, while hoping to spend $34,495 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: 80/15/5 Blend
51$457,000$457,000$457,000$457,000
52$506,287$482,066$474,982$546,498
53$521,225$468,984$454,192$560,104
54$536,532$454,106$431,548$570,191
55$552,207$437,306$406,954$580,204
56$568,251$418,453$380,306$590,116
57$584,663$397,407$351,496$599,900
58$601,439$374,021$320,413$609,522
59$618,577$348,139$286,937$618,951
60$636,070$319,597$250,948$628,149
61$653,912$288,219$212,317$637,074
62$672,091$253,822$170,910$645,683
63$690,596$216,211$126,588$653,928
64$709,413$175,181$79,204$661,754
65$728,522$130,514$28,606$669,105
66$747,903$81,981$0$675,918
67$767,531$29,340$0$683,479
68$787,376$0$0$692,074
69$807,404$0$0$704,670
70$827,577$0$0$722,229
71$847,848$0$0$739,868
72$868,166$0$0$757,541
73$888,472$0$0$775,197
74$908,700$0$0$792,775
75$928,774$0$0$810,210
76$948,608$0$0$827,425
77$968,106$0$0$844,335
78$987,159$0$0$860,844
79$1,005,645$0$0$876,844
80$1,023,427$0$0$892,214
81$1,040,352$0$0$906,818
82$1,056,248$0$0$920,506
83$1,070,923$0$0$933,108
84$1,084,164$0$0$944,434
85$1,095,732$0$0$954,274
86$1,105,361$0$0$962,393
87$1,112,754$0$0$968,530
88$1,117,583$0$0$972,394
89$1,119,481$0$0$973,662
90$1,118,042$0$0$971,976
91$1,112,814$0$0$966,935
92$1,103,295$0$0$958,099
93$1,088,931$0$0$944,976
94$1,069,104$0$0$927,024
95$1,043,131$0$0$903,638
96$1,010,256$0$0$874,152
97$969,640$0$0$837,825
98$920,357$0$0$793,841
99$861,378$0$0$741,293
100$791,569$0$0$679,179