Can I retire at age 52 with 465,000?

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 $465,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$38,399$38,057$37,724$37,398$37,080$35,907
2 years$19,010$18,656$18,312$17,980$17,657$16,486
3 years$12,547$12,192$11,849$11,520$11,202$10,070
4 years$9,317$8,962$8,623$8,299$7,990$6,905
5 years$7,379$7,026$6,692$6,375$6,074$5,039
6 years$6,087$5,738$5,408$5,098$4,806$3,822
7 years$5,165$4,818$4,494$4,191$3,908$2,976
8 years$4,474$4,130$3,811$3,516$3,242$2,360
9 years$3,937$3,596$3,283$2,995$2,731$1,898
10 years$3,507$3,170$2,862$2,582$2,327$1,542
11 years$3,156$2,822$2,520$2,247$2,001$1,263
12 years$2,863$2,533$2,236$1,971$1,734$1,041
13 years$2,616$2,289$1,998$1,740$1,512$862
14 years$2,404$2,081$1,795$1,544$1,325$717
15 years$2,220$1,901$1,621$1,377$1,167$599
16 years$2,060$1,744$1,469$1,233$1,031$501
17 years$1,919$1,606$1,337$1,108$915$421
18 years$1,793$1,484$1,221$999$813$353
19 years$1,681$1,375$1,117$902$725$298
20 years$1,580$1,278$1,025$817$647$251
21 years$1,489$1,190$943$742$579$212
22 years$1,407$1,111$869$674$519$179
23 years$1,331$1,039$803$614$466$151
24 years$1,262$974$742$560$419$128
25 years$1,199$914$688$512$377$108
26 years$1,140$859$638$468$340$92
27 years$1,086$808$592$428$306$78
28 years$1,036$762$550$392$276$66
29 years$990$719$512$360$249$56
30 years$947$679$477$330$225$47
31 years$906$641$445$303$204$40
32 years$868$607$415$279$184$34
33 years$833$575$388$256$167$29
34 years$799$545$362$236$151$24
35 years$768$517$339$217$137$21
36 years$739$490$317$200$124$18
37 years$711$466$296$184$112$15
38 years$684$443$278$170$102$13
39 years$659$421$260$157$92$11
40 years$636$400$244$144$84$9
41 years$613$381$229$133$76$8
42 years$592$363$214$123$69$7
43 years$572$346$201$113$63$6
44 years$552$330$189$105$57$5
45 years$534$314$177$97$52$4
46 years$517$300$167$89$47$3
47 years$500$286$156$83$43$3
48 years$484$273$147$76$39$2
49 years$469$261$138$71$35$2
50 years$454$249$130$65$32$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $465,000, adding $6,537 every year, while hoping to spend $27,885 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: 88/6/6 Blend
51$465,000$465,000$465,000$465,000
52$519,173$494,528$487,320$564,179
53$542,459$489,090$473,976$589,040
54$567,186$482,452$459,250$611,776
55$593,471$474,524$443,067$635,855
56$621,442$465,213$425,348$661,390
57$651,241$454,420$406,009$688,507
58$683,022$442,041$384,964$717,342
59$716,953$427,963$362,122$748,048
60$753,219$412,070$337,390$780,790
61$792,022$394,237$310,668$815,751
62$833,586$374,333$281,854$853,132
63$878,155$352,217$250,838$893,154
64$925,994$327,744$217,509$936,060
65$977,399$300,756$181,749$982,119
66$1,032,691$271,091$143,435$1,031,625
67$1,092,224$238,573$102,438$1,084,901
68$1,156,387$203,019$58,626$1,142,305
69$1,225,606$164,235$11,858$1,204,231
70$1,300,350$122,015$0$1,271,111
71$1,381,135$76,143$0$1,345,858
72$1,468,527$26,390$0$1,427,529
73$1,563,148$0$0$1,515,952
74$1,665,682$0$0$1,613,591
75$1,776,883$0$0$1,721,375
76$1,897,577$0$0$1,838,363
77$2,028,674$0$0$1,965,438
78$2,171,176$0$0$2,103,571
79$2,326,183$0$0$2,253,830
80$2,494,909$0$0$2,417,390
81$2,678,685$0$0$2,595,543
82$2,878,979$0$0$2,789,713
83$3,097,406$0$0$3,001,465
84$3,335,742$0$0$3,232,523
85$3,595,945$0$0$3,484,783
86$3,880,166$0$0$3,760,333
87$4,190,778$0$0$4,061,474
88$4,530,389$0$0$4,390,734
89$4,901,874$0$0$4,750,901
90$5,308,395$0$0$5,145,043
91$5,753,438$0$0$5,576,538
92$6,240,837$0$0$6,049,107
93$6,774,819$0$0$6,566,846
94$7,360,035$0$0$7,134,268
95$8,001,611$0$0$7,756,341
96$8,705,188$0$0$8,438,539
97$9,476,985$0$0$9,186,889
98$10,323,846$0$0$10,008,030
99$11,253,314$0$0$10,909,277
100$12,273,695$0$0$11,898,684