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%16%
1 years$38,482$38,139$37,805$37,478$37,159$36,246
2 years$19,050$18,696$18,352$18,018$17,695$16,781
3 years$12,574$12,218$11,875$11,545$11,226$10,340
4 years$9,337$8,981$8,642$8,317$8,007$7,154
5 years$7,395$7,042$6,706$6,388$6,087$5,271
6 years$6,100$5,750$5,420$5,109$4,816$4,037
7 years$5,176$4,829$4,504$4,200$3,917$3,176
8 years$4,484$4,139$3,820$3,524$3,249$2,545
9 years$3,945$3,604$3,290$3,001$2,736$2,069
10 years$3,514$3,177$2,868$2,587$2,332$1,700
11 years$3,162$2,828$2,525$2,252$2,005$1,409
12 years$2,869$2,538$2,241$1,975$1,738$1,175
13 years$2,621$2,294$2,002$1,744$1,515$985
14 years$2,409$2,085$1,799$1,548$1,328$830
15 years$2,225$1,905$1,624$1,380$1,170$702
16 years$2,065$1,748$1,473$1,236$1,034$595
17 years$1,923$1,609$1,340$1,110$917$506
18 years$1,797$1,487$1,223$1,001$815$431
19 years$1,685$1,378$1,120$904$726$368
20 years$1,584$1,281$1,028$819$649$314
21 years$1,493$1,193$945$743$581$269
22 years$1,410$1,114$871$676$520$230
23 years$1,334$1,042$804$615$467$197
24 years$1,265$976$744$561$420$169
25 years$1,201$916$689$513$378$145
26 years$1,143$861$639$469$340$125
27 years$1,089$810$593$429$307$107
28 years$1,039$763$552$393$277$92
29 years$992$720$513$360$250$79
30 years$949$680$478$331$226$68
31 years$908$643$446$304$204$59
32 years$870$608$416$279$185$51
33 years$835$576$388$257$167$44
34 years$801$546$363$236$151$38
35 years$770$518$339$217$137$32
36 years$740$491$317$200$124$28
37 years$712$467$297$185$113$24
38 years$686$444$278$170$102$21
39 years$661$422$261$157$93$18
40 years$637$401$244$145$84$15
41 years$615$382$229$133$76$13
42 years$593$364$215$123$69$11
43 years$573$347$202$114$63$10
44 years$554$330$189$105$57$8
45 years$535$315$178$97$52$7
46 years$518$301$167$90$47$6
47 years$501$287$157$83$43$5
48 years$485$274$147$76$39$5
49 years$470$262$138$71$35$4
50 years$455$250$130$65$32$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $466,000, adding $2,131 every year, while hoping to spend $26,440 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: 72/12/16 Blend
51$466,000$466,000$466,000$466,000
52$515,730$491,032$483,809$550,829
53$540,203$486,961$471,885$570,330
54$566,285$481,804$458,675$588,267
55$594,114$475,480$444,108$607,220
56$623,839$467,903$428,111$627,285
57$655,623$458,983$410,605$648,568
58$689,645$448,622$391,509$671,187
59$726,104$436,719$370,739$695,269
60$765,213$423,166$348,206$720,958
61$807,211$407,847$323,817$748,413
62$852,357$390,641$297,475$777,807
63$900,936$371,422$269,079$809,336
64$953,262$350,052$238,524$843,213
65$1,009,678$326,388$205,698$879,675
66$1,070,564$300,279$170,488$918,984
67$1,136,333$271,565$132,771$961,429
68$1,207,443$240,076$92,423$1,007,331
69$1,284,396$205,633$49,312$1,057,043
70$1,367,741$168,046$3,302$1,110,956
71$1,458,087$127,117$0$1,169,504
72$1,556,100$82,633$0$1,240,982
73$1,662,512$34,372$0$1,319,210
74$1,778,130$0$0$1,404,233
75$1,903,842$0$0$1,499,088
76$2,040,623$0$0$1,607,253
77$2,189,548$0$0$1,725,043
78$2,351,797$0$0$1,853,393
79$2,528,672$0$0$1,993,335
80$2,721,603$0$0$2,146,004
81$2,932,166$0$0$2,312,650
82$3,162,095$0$0$2,494,648
83$3,413,297$0$0$2,693,513
84$3,687,876$0$0$2,910,910
85$3,988,144$0$0$3,148,676
86$4,316,649$0$0$3,408,831
87$4,676,195$0$0$3,693,600
88$5,069,871$0$0$4,005,433
89$5,501,078$0$0$4,347,028
90$5,973,562$0$0$4,721,356
91$6,491,447$0$0$5,131,691
92$7,059,278$0$0$5,581,635
93$7,682,056$0$0$6,075,159
94$8,365,294$0$0$6,616,634
95$9,115,062$0$0$7,210,877
96$9,938,046$0$0$7,863,193
97$10,841,612$0$0$8,579,423
98$11,833,873$0$0$9,366,006
99$12,923,766$0$0$10,230,032
100$14,121,138$0$0$11,179,313