Can I retire at age 52 with 463,000?

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 $463,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$38,234$37,894$37,561$37,237$36,920$35,526
2 years$18,928$18,575$18,234$17,902$17,581$16,192
3 years$12,493$12,139$11,798$11,470$11,154$9,815
4 years$9,277$8,924$8,586$8,264$7,955$6,675
5 years$7,347$6,996$6,663$6,347$6,047$4,831
6 years$6,061$5,713$5,385$5,076$4,785$3,632
7 years$5,143$4,798$4,475$4,173$3,892$2,802
8 years$4,455$4,113$3,795$3,501$3,228$2,201
9 years$3,920$3,581$3,269$2,982$2,719$1,753
10 years$3,492$3,156$2,850$2,570$2,317$1,410
11 years$3,142$2,810$2,509$2,237$1,992$1,143
12 years$2,851$2,522$2,227$1,962$1,727$932
13 years$2,604$2,279$1,989$1,732$1,506$764
14 years$2,394$2,072$1,787$1,538$1,320$628
15 years$2,211$1,892$1,614$1,371$1,162$519
16 years$2,051$1,736$1,463$1,228$1,027$429
17 years$1,911$1,599$1,331$1,103$911$356
18 years$1,786$1,478$1,215$994$810$295
19 years$1,674$1,369$1,113$898$722$246
20 years$1,574$1,273$1,021$814$645$205
21 years$1,483$1,185$939$738$577$171
22 years$1,401$1,106$866$671$517$142
23 years$1,326$1,035$799$612$464$119
24 years$1,257$970$739$558$417$99
25 years$1,194$910$685$509$375$83
26 years$1,136$855$635$466$338$69
27 years$1,082$805$590$426$305$58
28 years$1,032$758$548$391$275$48
29 years$986$715$510$358$248$41
30 years$942$676$475$329$224$34
31 years$902$639$443$302$203$28
32 years$864$604$413$277$184$24
33 years$829$572$386$255$166$20
34 years$796$542$361$235$150$17
35 years$765$514$337$216$136$14
36 years$735$488$315$199$123$12
37 years$708$464$295$183$112$10
38 years$681$441$276$169$101$8
39 years$657$419$259$156$92$7
40 years$633$399$243$144$83$6
41 years$611$380$228$133$76$5
42 years$589$362$213$122$69$4
43 years$569$344$200$113$62$3
44 years$550$328$188$104$57$3
45 years$532$313$177$96$51$2
46 years$514$299$166$89$47$2
47 years$498$285$156$82$42$2
48 years$482$272$146$76$38$1
49 years$467$260$138$70$35$1
50 years$452$248$129$65$32$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $463,000, adding $3,910 every year, while hoping to spend $28,966 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: 28/47/25 Blend
51$463,000$463,000$463,000$463,000
52$514,259$489,720$482,544$524,562
53$535,894$482,897$467,889$526,177
54$558,765$474,768$451,773$525,121
55$582,967$465,240$434,116$523,389
56$608,605$454,212$414,834$520,942
57$635,792$441,578$393,841$517,742
58$664,654$427,226$371,045$513,748
59$695,326$411,038$346,352$508,918
60$727,956$392,886$319,662$503,212
61$762,710$372,639$290,873$496,587
62$799,763$350,156$259,874$489,000
63$839,313$325,287$226,554$480,411
64$881,573$297,876$190,793$470,776
65$926,778$267,757$152,470$460,054
66$975,185$234,753$111,453$448,206
67$1,027,077$198,679$67,610$435,191
68$1,082,763$159,338$20,799$420,973
69$1,142,584$116,525$0$405,516
70$1,206,911$70,018$0$396,565
71$1,276,155$19,588$0$392,742
72$1,350,766$0$0$388,508
73$1,431,236$0$0$401,998
74$1,518,110$0$0$427,555
75$1,611,982$0$0$455,233
76$1,713,509$0$0$485,232
77$1,823,410$0$0$517,773
78$1,942,478$0$0$553,100
79$2,071,582$0$0$591,478
80$2,211,681$0$0$633,204
81$2,363,827$0$0$678,599
82$2,529,178$0$0$728,020
83$2,709,009$0$0$781,859
84$2,904,720$0$0$840,546
85$3,117,856$0$0$904,555
86$3,350,112$0$0$974,409
87$3,603,356$0$0$1,050,682
88$3,879,645$0$0$1,134,007
89$4,181,241$0$0$1,225,080
90$4,510,634$0$0$1,324,667
91$4,870,567$0$0$1,433,613
92$5,264,059$0$0$1,552,848
93$5,694,432$0$0$1,683,394
94$6,165,347$0$0$1,826,378
95$6,680,833$0$0$1,983,043
96$7,245,327$0$0$2,154,753
97$7,863,715$0$0$2,343,016
98$8,541,379$0$0$2,549,489
99$9,284,245$0$0$2,775,997
100$10,098,840$0$0$3,024,553