Can I retire at age 52 with 465,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%15.8%
1 years$38,399$38,057$37,724$37,398$37,080$36,198
2 years$19,010$18,656$18,312$17,980$17,657$16,774
3 years$12,547$12,192$11,849$11,520$11,202$10,345
4 years$9,317$8,962$8,623$8,299$7,990$7,165
5 years$7,379$7,026$6,692$6,375$6,074$5,284
6 years$6,087$5,738$5,408$5,098$4,806$4,052
7 years$5,165$4,818$4,494$4,191$3,908$3,191
8 years$4,474$4,130$3,811$3,516$3,242$2,561
9 years$3,937$3,596$3,283$2,995$2,731$2,084
10 years$3,507$3,170$2,862$2,582$2,327$1,714
11 years$3,156$2,822$2,520$2,247$2,001$1,422
12 years$2,863$2,533$2,236$1,971$1,734$1,188
13 years$2,616$2,289$1,998$1,740$1,512$998
14 years$2,404$2,081$1,795$1,544$1,325$841
15 years$2,220$1,901$1,621$1,377$1,167$712
16 years$2,060$1,744$1,469$1,233$1,031$605
17 years$1,919$1,606$1,337$1,108$915$515
18 years$1,793$1,484$1,221$999$813$439
19 years$1,681$1,375$1,117$902$725$375
20 years$1,580$1,278$1,025$817$647$321
21 years$1,489$1,190$943$742$579$275
22 years$1,407$1,111$869$674$519$236
23 years$1,331$1,039$803$614$466$203
24 years$1,262$974$742$560$419$174
25 years$1,199$914$688$512$377$150
26 years$1,140$859$638$468$340$129
27 years$1,086$808$592$428$306$111
28 years$1,036$762$550$392$276$96
29 years$990$719$512$360$249$82
30 years$947$679$477$330$225$71
31 years$906$641$445$303$204$61
32 years$868$607$415$279$184$53
33 years$833$575$388$256$167$46
34 years$799$545$362$236$151$39
35 years$768$517$339$217$137$34
36 years$739$490$317$200$124$29
37 years$711$466$296$184$112$25
38 years$684$443$278$170$102$22
39 years$659$421$260$157$92$19
40 years$636$400$244$144$84$16
41 years$613$381$229$133$76$14
42 years$592$363$214$123$69$12
43 years$572$346$201$113$63$10
44 years$552$330$189$105$57$9
45 years$534$314$177$97$52$8
46 years$517$300$167$89$47$7
47 years$500$286$156$83$43$6
48 years$484$273$147$76$39$5
49 years$469$261$138$71$35$4
50 years$454$249$130$65$32$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $465,000, adding $6,645 every year, while hoping to spend $26,446 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: 49/32/19 Blend
51$465,000$465,000$465,000$465,000
52$519,284$494,639$487,432$541,665
53$544,113$490,738$475,622$553,963
54$570,588$485,760$462,531$564,081
55$598,849$479,623$448,087$574,511
56$629,049$472,243$432,216$585,293
57$661,358$463,528$414,840$596,471
58$695,958$453,382$395,879$608,098
59$733,052$441,705$375,248$620,232
60$772,862$428,387$352,858$632,938
61$815,632$413,316$328,616$646,293
62$861,629$396,370$302,427$660,381
63$911,145$377,422$274,188$675,298
64$964,503$356,338$243,795$691,151
65$1,022,057$332,973$211,136$708,063
66$1,084,195$307,177$176,098$726,170
67$1,151,346$278,791$138,560$745,625
68$1,223,977$247,646$98,395$766,601
69$1,302,605$213,563$55,474$789,291
70$1,387,797$176,354$9,659$813,912
71$1,480,178$135,821$0$840,704
72$1,580,432$91,752$0$877,894
73$1,689,314$43,926$0$920,435
74$1,807,654$0$0$966,737
75$1,936,365$0$0$1,019,989
76$2,076,450$0$0$1,094,826
77$2,229,016$0$0$1,176,376
78$2,395,277$0$0$1,265,295
79$2,576,572$0$0$1,362,306
80$2,774,374$0$0$1,468,202
81$2,990,305$0$0$1,583,858
82$3,226,148$0$0$1,710,236
83$3,483,868$0$0$1,848,398
84$3,765,628$0$0$1,999,509
85$4,073,809$0$0$2,164,854
86$4,411,034$0$0$2,345,849
87$4,780,189$0$0$2,544,050
88$5,184,454$0$0$2,761,175
89$5,627,329$0$0$2,999,111
90$6,112,670$0$0$3,259,941
91$6,644,724$0$0$3,545,955
92$7,228,167$0$0$3,859,677
93$7,868,150$0$0$4,203,888
94$8,570,347$0$0$4,581,651
95$9,341,007$0$0$4,996,337
96$10,187,013$0$0$5,451,664
97$11,115,948$0$0$5,951,723
98$12,136,166$0$0$6,501,024
99$13,256,867$0$0$7,104,534
100$14,488,188$0$0$7,767,725