Can I retire at age 52 with 469,000?

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 $469,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$38,730$38,385$38,048$37,720$37,399$36,406
2 years$19,173$18,816$18,470$18,134$17,809$16,816
3 years$12,655$12,296$11,951$11,619$11,299$10,336
4 years$9,397$9,039$8,697$8,371$8,058$7,134
5 years$7,442$7,087$6,750$6,430$6,126$5,242
6 years$6,140$5,787$5,455$5,142$4,847$4,004
7 years$5,210$4,860$4,533$4,227$3,942$3,141
8 years$4,512$4,166$3,844$3,546$3,270$2,510
9 years$3,970$3,627$3,311$3,021$2,754$2,034
10 years$3,537$3,197$2,887$2,604$2,347$1,666
11 years$3,183$2,846$2,541$2,266$2,018$1,376
12 years$2,888$2,555$2,255$1,988$1,749$1,144
13 years$2,638$2,309$2,015$1,755$1,525$956
14 years$2,425$2,098$1,811$1,558$1,337$803
15 years$2,240$1,917$1,635$1,389$1,177$676
16 years$2,078$1,759$1,482$1,244$1,040$571
17 years$1,935$1,620$1,349$1,118$922$484
18 years$1,809$1,497$1,231$1,007$820$411
19 years$1,696$1,387$1,127$910$731$349
20 years$1,594$1,289$1,034$824$653$297
21 years$1,502$1,201$951$748$584$253
22 years$1,419$1,121$877$680$524$216
23 years$1,343$1,048$810$619$470$185
24 years$1,273$982$749$565$423$158
25 years$1,209$922$693$516$380$135
26 years$1,150$866$643$472$343$115
27 years$1,096$815$597$432$309$99
28 years$1,045$768$555$396$279$85
29 years$998$725$517$363$252$73
30 years$955$684$481$333$227$62
31 years$914$647$449$306$206$53
32 years$876$612$419$281$186$46
33 years$840$580$391$258$168$39
34 years$806$549$365$238$152$34
35 years$775$521$341$219$138$29
36 years$745$495$319$202$125$25
37 years$717$470$299$186$113$21
38 years$690$446$280$171$103$18
39 years$665$425$262$158$93$16
40 years$641$404$246$146$84$13
41 years$619$385$231$134$77$11
42 years$597$366$216$124$70$10
43 years$577$349$203$114$63$8
44 years$557$333$190$106$57$7
45 years$539$317$179$98$52$6
46 years$521$303$168$90$47$5
47 years$504$289$158$83$43$5
48 years$488$276$148$77$39$4
49 years$473$263$139$71$35$3
50 years$458$251$131$66$32$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $469,000, adding $2,053 every year, while hoping to spend $22,578 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: 67/26/7 Blend
51$469,000$469,000$469,000$469,000
52$518,956$494,099$486,829$552,969
53$547,866$494,287$479,115$575,989
54$578,969$493,727$470,386$598,233
55$612,464$492,360$460,584$621,946
56$648,570$490,120$449,648$647,270
57$687,528$486,940$437,516$674,359
58$729,604$482,748$424,120$703,384
59$775,087$477,467$409,392$734,534
60$824,299$471,015$393,259$768,018
61$877,590$463,307$375,645$804,066
62$935,346$454,251$356,472$842,934
63$997,994$443,752$335,656$884,903
64$1,065,999$431,706$313,111$930,284
65$1,139,877$418,005$288,746$979,420
66$1,220,192$402,535$262,467$1,032,692
67$1,307,567$385,175$234,175$1,090,517
68$1,402,686$365,796$203,767$1,153,359
69$1,506,303$344,262$171,135$1,221,730
70$1,619,245$320,430$136,168$1,296,194
71$1,742,425$294,149$98,747$1,377,375
72$1,876,848$265,257$58,749$1,465,961
73$2,023,617$233,585$16,048$1,562,713
74$2,183,949$198,955$0$1,668,470
75$2,359,184$161,176$0$1,786,366
76$2,550,796$120,049$0$1,916,640
77$2,760,408$75,362$0$2,059,234
78$2,989,808$26,892$0$2,215,407
79$3,240,963$0$0$2,386,548
80$3,516,042$0$0$2,581,512
81$3,817,430$0$0$2,803,581
82$4,147,756$0$0$3,047,003
83$4,509,915$0$0$3,313,913
84$4,907,096$0$0$3,606,665
85$5,342,810$0$0$3,927,852
86$5,820,926$0$0$4,280,330
87$6,345,703$0$0$4,667,243
88$6,921,836$0$0$5,092,057
89$7,554,493$0$0$5,558,587
90$8,249,371$0$0$6,071,038
91$9,012,742$0$0$6,634,042
92$9,851,518$0$0$7,252,700
93$10,773,313$0$0$7,932,634
94$11,786,514$0$0$8,680,037
95$12,900,363$0$0$9,501,730
96$14,125,041$0$0$10,405,230
97$15,471,764$0$0$11,398,818
98$16,952,891$0$0$12,491,619
99$18,582,038$0$0$13,693,683
100$20,374,206$0$0$15,016,088