Can I retire at age 52 with 466,000?

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 $466,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$38,482$38,139$37,805$37,478$37,159$36,454
2 years$19,050$18,696$18,352$18,018$17,695$16,987
3 years$12,574$12,218$11,875$11,545$11,226$10,538
4 years$9,337$8,981$8,642$8,317$8,007$7,343
5 years$7,395$7,042$6,706$6,388$6,087$5,450
6 years$6,100$5,750$5,420$5,109$4,816$4,207
7 years$5,176$4,829$4,504$4,200$3,917$3,335
8 years$4,484$4,139$3,820$3,524$3,249$2,695
9 years$3,945$3,604$3,290$3,001$2,736$2,209
10 years$3,514$3,177$2,868$2,587$2,332$1,831
11 years$3,162$2,828$2,525$2,252$2,005$1,531
12 years$2,869$2,538$2,241$1,975$1,738$1,288
13 years$2,621$2,294$2,002$1,744$1,515$1,091
14 years$2,409$2,085$1,799$1,548$1,328$927
15 years$2,225$1,905$1,624$1,380$1,170$792
16 years$2,065$1,748$1,473$1,236$1,034$678
17 years$1,923$1,609$1,340$1,110$917$582
18 years$1,797$1,487$1,223$1,001$815$501
19 years$1,685$1,378$1,120$904$726$432
20 years$1,584$1,281$1,028$819$649$373
21 years$1,493$1,193$945$743$581$323
22 years$1,410$1,114$871$676$520$279
23 years$1,334$1,042$804$615$467$242
24 years$1,265$976$744$561$420$210
25 years$1,201$916$689$513$378$182
26 years$1,143$861$639$469$340$159
27 years$1,089$810$593$429$307$138
28 years$1,039$763$552$393$277$120
29 years$992$720$513$360$250$104
30 years$949$680$478$331$226$91
31 years$908$643$446$304$204$79
32 years$870$608$416$279$185$69
33 years$835$576$388$257$167$60
34 years$801$546$363$236$151$52
35 years$770$518$339$217$137$46
36 years$740$491$317$200$124$40
37 years$712$467$297$185$113$35
38 years$686$444$278$170$102$30
39 years$661$422$261$157$93$26
40 years$637$401$244$145$84$23
41 years$615$382$229$133$76$20
42 years$593$364$215$123$69$17
43 years$573$347$202$114$63$15
44 years$554$330$189$105$57$13
45 years$535$315$178$97$52$12
46 years$518$301$167$90$47$10
47 years$501$287$157$83$43$9
48 years$485$274$147$76$39$8
49 years$470$262$138$71$35$7
50 years$455$250$130$65$32$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $466,000, adding $4,784 every year, while hoping to spend $30,615 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: 41/47/12 Blend
51$466,000$466,000$466,000$466,000
52$518,467$493,769$486,546$537,698
53$538,776$485,389$470,271$543,308
54$560,131$475,573$452,425$545,974
55$582,606$464,218$432,922$548,184
56$606,281$451,214$411,675$549,910
57$631,246$436,447$388,589$551,123
58$657,594$419,795$363,569$551,795
59$685,433$401,128$336,512$551,897
60$714,875$380,311$307,313$551,400
61$746,045$357,199$275,861$550,275
62$779,079$331,640$242,040$548,496
63$814,127$303,472$205,730$546,033
64$851,350$272,524$166,804$542,862
65$890,926$238,617$125,131$538,957
66$933,051$201,559$80,573$534,296
67$977,937$161,150$32,987$528,858
68$1,025,817$117,177$0$522,624
69$1,076,947$69,415$0$517,859
70$1,131,607$17,628$0$516,930
71$1,190,104$0$0$515,624
72$1,252,774$0$0$533,839
73$1,319,987$0$0$563,193
74$1,392,148$0$0$594,751
75$1,469,701$0$0$628,712
76$1,553,135$0$0$665,296
77$1,642,984$0$0$704,744
78$1,739,839$0$0$747,321
79$1,844,344$0$0$793,318
80$1,957,211$0$0$843,053
81$2,079,220$0$0$896,880
82$2,211,229$0$0$955,183
83$2,354,180$0$0$1,018,389
84$2,509,110$0$0$1,086,963
85$2,677,160$0$0$1,161,420
86$2,859,582$0$0$1,242,325
87$3,057,756$0$0$1,330,299
88$3,273,199$0$0$1,426,026
89$3,507,579$0$0$1,530,257
90$3,762,731$0$0$1,643,823
91$4,040,676$0$0$1,767,632
92$4,343,638$0$0$1,902,688
93$4,674,062$0$0$2,050,095
94$5,034,642$0$0$2,211,067
95$5,428,341$0$0$2,386,942
96$5,858,423$0$0$2,579,193
97$6,328,480$0$0$2,789,439
98$6,842,466$0$0$3,019,467
99$7,404,736$0$0$3,271,241
100$8,020,083$0$0$3,546,924