Can I retire at age 52 with 464,000?

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 $464,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$38,317$37,975$37,642$37,317$37,000$36,644
2 years$18,969$18,615$18,273$17,941$17,619$17,261
3 years$12,520$12,165$11,824$11,495$11,178$10,828
4 years$9,297$8,943$8,605$8,282$7,972$7,634
5 years$7,363$7,011$6,678$6,361$6,061$5,734
6 years$6,074$5,725$5,397$5,087$4,795$4,481
7 years$5,154$4,808$4,485$4,182$3,900$3,599
8 years$4,464$4,121$3,803$3,508$3,235$2,947
9 years$3,928$3,588$3,276$2,988$2,725$2,449
10 years$3,499$3,163$2,856$2,576$2,322$2,058
11 years$3,149$2,816$2,514$2,242$1,997$1,745
12 years$2,857$2,527$2,231$1,966$1,730$1,491
13 years$2,610$2,284$1,994$1,736$1,509$1,281
14 years$2,399$2,076$1,791$1,541$1,323$1,106
15 years$2,216$1,897$1,617$1,374$1,165$959
16 years$2,056$1,740$1,466$1,231$1,029$835
17 years$1,915$1,603$1,334$1,106$913$729
18 years$1,789$1,481$1,218$996$811$638
19 years$1,678$1,372$1,115$900$723$559
20 years$1,577$1,275$1,023$815$646$491
21 years$1,486$1,188$941$740$578$432
22 years$1,404$1,109$867$673$518$381
23 years$1,328$1,037$801$613$465$336
24 years$1,260$972$741$559$418$297
25 years$1,196$912$686$510$376$262
26 years$1,138$857$636$467$339$232
27 years$1,084$807$591$427$306$206
28 years$1,034$760$549$391$276$182
29 years$988$717$511$359$249$162
30 years$945$677$476$329$225$143
31 years$904$640$444$303$203$127
32 years$866$606$414$278$184$113
33 years$831$574$387$256$166$100
34 years$798$544$361$235$151$89
35 years$766$516$338$217$137$79
36 years$737$489$316$199$124$70
37 years$709$465$296$184$112$62
38 years$683$442$277$169$102$56
39 years$658$420$259$156$92$49
40 years$634$400$243$144$84$44
41 years$612$380$228$133$76$39
42 years$591$362$214$123$69$35
43 years$571$345$201$113$62$31
44 years$551$329$188$105$57$28
45 years$533$314$177$97$51$25
46 years$515$299$166$89$47$22
47 years$499$286$156$82$42$19
48 years$483$273$147$76$39$17
49 years$468$260$138$70$35$15
50 years$453$249$130$65$32$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $464,000, adding $2,827 every year, while hoping to spend $26,415 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: 50/39/11 Blend
51$464,000$464,000$464,000$464,000
52$514,244$489,652$482,460$538,303
53$538,592$485,540$470,517$550,968
54$564,537$480,340$457,289$561,698
55$592,216$473,973$442,704$572,754
56$621,776$466,352$426,689$584,172
57$653,380$457,386$409,165$595,997
58$687,205$446,978$390,053$608,278
59$723,446$435,026$369,266$621,071
60$762,318$421,423$346,716$634,439
61$804,055$406,052$322,311$648,454
62$848,914$388,794$295,954$663,198
63$897,178$369,520$267,544$678,763
64$949,158$348,095$236,974$695,253
65$1,005,194$324,374$204,136$712,783
66$1,065,662$298,206$168,912$731,486
67$1,130,973$269,432$131,184$751,509
68$1,201,579$237,880$90,825$773,017
69$1,277,976$203,373$47,704$796,197
70$1,360,713$165,721$1,685$821,256
71$1,450,388$124,724$0$848,428
72$1,547,663$80,171$0$883,540
73$1,653,264$31,839$0$921,889
74$1,767,990$0$0$963,622
75$1,892,720$0$0$1,017,922
76$2,028,421$0$0$1,091,907
77$2,176,157$0$0$1,172,498
78$2,337,099$0$0$1,260,340
79$2,512,534$0$0$1,356,142
80$2,703,880$0$0$1,460,684
81$2,912,699$0$0$1,574,824
82$3,140,707$0$0$1,699,509
83$3,389,796$0$0$1,835,780
84$3,662,047$0$0$1,984,783
85$3,959,752$0$0$2,147,778
86$4,285,434$0$0$2,326,157
87$4,641,873$0$0$2,521,449
88$5,032,127$0$0$2,735,338
89$5,459,566$0$0$2,969,679
90$5,927,899$0$0$3,226,517
91$6,441,213$0$0$3,508,101
92$7,004,009$0$0$3,816,909
93$7,621,242$0$0$4,155,672
94$8,298,372$0$0$4,527,396
95$9,041,411$0$0$4,935,393
96$9,856,984$0$0$5,383,312
97$10,752,385$0$0$5,875,170
98$11,735,653$0$0$6,415,394
99$12,815,639$0$0$7,008,861
100$14,002,096$0$0$7,660,944