Can I retire at age 52 with 458,000?

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 $458,000?

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$37,821$37,484$37,156$36,835$36,522$36,110
2 years$18,723$18,375$18,037$17,709$17,391$16,977
3 years$12,358$12,008$11,671$11,346$11,034$10,630
4 years$9,176$8,827$8,493$8,174$7,869$7,478
5 years$7,268$6,921$6,591$6,279$5,982$5,606
6 years$5,996$5,651$5,327$5,021$4,733$4,372
7 years$5,087$4,746$4,427$4,128$3,850$3,503
8 years$4,407$4,068$3,754$3,463$3,194$2,862
9 years$3,877$3,542$3,233$2,950$2,689$2,372
10 years$3,454$3,122$2,819$2,543$2,292$1,989
11 years$3,108$2,779$2,482$2,213$1,971$1,683
12 years$2,820$2,495$2,202$1,941$1,708$1,434
13 years$2,576$2,254$1,968$1,714$1,489$1,229
14 years$2,368$2,049$1,768$1,521$1,306$1,058
15 years$2,187$1,872$1,596$1,357$1,149$915
16 years$2,029$1,718$1,447$1,215$1,016$794
17 years$1,890$1,582$1,317$1,091$901$691
18 years$1,766$1,462$1,202$984$801$603
19 years$1,656$1,355$1,101$889$714$527
20 years$1,557$1,259$1,010$805$638$462
21 years$1,467$1,173$929$731$571$405
22 years$1,385$1,094$856$664$511$356
23 years$1,311$1,024$791$605$459$313
24 years$1,243$959$731$552$413$276
25 years$1,181$900$677$504$371$243
26 years$1,123$846$628$461$335$214
27 years$1,070$796$583$422$302$189
28 years$1,021$750$542$386$272$167
29 years$975$708$505$354$246$148
30 years$932$668$470$325$222$131
31 years$892$632$438$299$201$116
32 years$855$598$409$274$182$102
33 years$820$566$382$252$164$90
34 years$787$537$357$232$149$80
35 years$757$509$333$214$135$71
36 years$727$483$312$197$122$63
37 years$700$459$292$181$111$56
38 years$674$436$273$167$100$49
39 years$649$415$256$154$91$44
40 years$626$394$240$142$83$39
41 years$604$375$225$131$75$34
42 years$583$358$211$121$68$30
43 years$563$341$198$112$62$27
44 years$544$325$186$103$56$24
45 years$526$310$175$95$51$21
46 years$509$295$164$88$46$19
47 years$492$282$154$81$42$17
48 years$477$269$145$75$38$15
49 years$462$257$136$69$35$13
50 years$447$246$128$64$31$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $458,000, adding $5,184 every year, while hoping to spend $24,464 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: 71/5/24 Blend
51$458,000$458,000$458,000$458,000
52$510,063$485,789$478,690$542,854
53$536,060$483,563$468,697$563,201
54$563,889$480,409$457,549$582,112
55$593,710$476,253$445,182$602,229
56$625,701$471,022$431,528$623,671
57$660,055$464,635$416,516$646,566
58$696,985$457,006$400,074$671,060
59$736,725$448,046$382,123$697,309
60$779,530$437,660$362,583$725,492
61$825,682$425,746$341,370$755,800
62$875,492$412,197$318,396$788,450
63$929,297$396,900$293,568$823,678
64$987,473$379,736$266,790$861,746
65$1,050,430$360,578$237,962$902,945
66$1,118,619$339,291$206,979$947,594
67$1,192,535$315,734$173,730$996,047
68$1,272,726$289,756$138,102$1,048,695
69$1,359,790$261,201$99,975$1,105,970
70$1,454,389$229,899$59,223$1,168,347
71$1,557,247$195,675$15,718$1,236,354
72$1,669,163$158,340$0$1,310,573
73$1,791,017$117,698$0$1,399,509
74$1,923,776$73,540$0$1,500,814
75$2,068,503$25,646$0$1,611,280
76$2,226,370$0$0$1,731,810
77$2,398,667$0$0$1,864,843
78$2,586,812$0$0$2,011,676
79$2,792,367$0$0$2,172,119
80$3,017,052$0$0$2,347,518
81$3,262,761$0$0$2,539,353
82$3,531,578$0$0$2,749,256
83$3,825,800$0$0$2,979,022
84$4,147,952$0$0$3,230,628
85$4,500,820$0$0$3,506,252
86$4,887,468$0$0$3,808,293
87$5,311,273$0$0$4,139,389
88$5,775,952$0$0$4,502,452
89$6,285,601$0$0$4,900,683
90$6,844,730$0$0$5,337,611
91$7,458,306$0$0$5,817,124
92$8,131,804$0$0$6,343,502
93$8,871,249$0$0$6,921,461
94$9,683,283$0$0$7,556,196
95$10,575,220$0$0$8,253,429
96$11,555,119$0$0$9,019,465
97$12,631,855$0$0$9,861,248
98$13,815,210$0$0$10,786,430
99$15,115,956$0$0$11,803,439
100$16,545,963$0$0$12,921,563