Can I retire at age 52 with 461,000?

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 $461,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.6%
1 years$38,069$37,730$37,399$37,076$36,761$35,627
2 years$18,846$18,495$18,155$17,825$17,505$16,373
3 years$12,439$12,087$11,747$11,421$11,106$10,010
4 years$9,236$8,885$8,549$8,228$7,921$6,871
5 years$7,315$6,966$6,634$6,320$6,021$5,019
6 years$6,035$5,688$5,362$5,054$4,764$3,811
7 years$5,121$4,777$4,456$4,155$3,875$2,971
8 years$4,435$4,095$3,779$3,486$3,215$2,359
9 years$3,903$3,565$3,255$2,969$2,707$1,899
10 years$3,477$3,143$2,837$2,559$2,307$1,545
11 years$3,128$2,798$2,498$2,227$1,984$1,267
12 years$2,838$2,511$2,217$1,954$1,719$1,046
13 years$2,593$2,269$1,981$1,725$1,499$868
14 years$2,383$2,063$1,780$1,531$1,314$723
15 years$2,201$1,884$1,607$1,365$1,157$604
16 years$2,042$1,729$1,457$1,223$1,023$506
17 years$1,902$1,592$1,326$1,099$907$425
18 years$1,778$1,471$1,210$990$806$358
19 years$1,667$1,364$1,108$895$719$302
20 years$1,567$1,267$1,017$810$642$255
21 years$1,476$1,180$935$735$574$215
22 years$1,395$1,102$862$669$515$182
23 years$1,320$1,030$796$609$462$154
24 years$1,251$965$736$555$415$131
25 years$1,189$906$682$507$374$111
26 years$1,131$851$632$464$337$94
27 years$1,077$801$587$424$304$80
28 years$1,027$755$546$389$274$68
29 years$981$712$508$357$247$57
30 years$938$673$473$327$223$49
31 years$898$636$441$301$202$41
32 years$861$602$411$276$183$35
33 years$826$570$384$254$165$30
34 years$793$540$359$234$150$25
35 years$761$512$336$215$136$22
36 years$732$486$314$198$123$18
37 years$705$462$294$183$111$16
38 years$678$439$275$168$101$13
39 years$654$417$258$155$92$11
40 years$630$397$242$143$83$10
41 years$608$378$227$132$75$8
42 years$587$360$213$122$68$7
43 years$567$343$199$112$62$6
44 years$548$327$187$104$56$5
45 years$530$312$176$96$51$4
46 years$512$297$165$89$46$4
47 years$496$284$155$82$42$3
48 years$480$271$146$76$38$3
49 years$465$259$137$70$35$2
50 years$450$247$129$65$32$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $461,000, adding $6,193 every year, while hoping to spend $35,874 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: 65/28/7 Blend
51$461,000$461,000$461,000$461,000
52$514,410$489,977$482,832$546,792
53$528,710$475,816$460,837$554,955
54$543,267$459,759$436,903$559,033
55$558,068$441,675$410,927$562,546
56$573,099$421,426$382,801$565,436
57$588,344$398,865$352,414$567,640
58$603,783$373,837$319,648$569,089
59$619,393$346,179$284,380$569,711
60$635,146$315,717$246,482$569,425
61$651,013$282,268$205,821$568,147
62$666,957$245,640$162,256$565,785
63$682,937$205,628$115,643$562,238
64$698,909$162,015$65,829$557,400
65$714,818$114,575$12,655$551,154
66$730,605$63,065$0$543,374
67$746,204$7,232$0$537,220
68$761,537$0$0$530,474
69$776,520$0$0$538,435
70$791,056$0$0$548,287
71$805,038$0$0$557,724
72$818,344$0$0$566,659
73$830,841$0$0$574,996
74$842,376$0$0$582,624
75$852,782$0$0$589,424
76$861,871$0$0$595,259
77$869,433$0$0$599,980
78$875,235$0$0$603,418
79$879,019$0$0$605,387
80$880,495$0$0$605,681
81$879,344$0$0$604,068
82$875,210$0$0$600,295
83$867,700$0$0$594,076
84$856,374$0$0$585,099
85$840,749$0$0$573,014
86$820,286$0$0$557,437
87$794,391$0$0$537,938
88$762,402$0$0$514,046
89$723,591$0$0$485,235
90$677,148$0$0$450,927
91$622,181$0$0$410,479
92$557,700$0$0$363,183
93$482,612$0$0$308,254
94$395,707$0$0$244,825
95$295,650$0$0$171,937
96$180,964$0$0$88,533
97$50,018$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0