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%14.3%
1 years$38,730$38,385$38,048$37,720$37,399$36,734
2 years$19,173$18,816$18,470$18,134$17,809$17,141
3 years$12,655$12,296$11,951$11,619$11,299$10,649
4 years$9,397$9,039$8,697$8,371$8,058$7,432
5 years$7,442$7,087$6,750$6,430$6,126$5,524
6 years$6,140$5,787$5,455$5,142$4,847$4,271
7 years$5,210$4,860$4,533$4,227$3,942$3,392
8 years$4,512$4,166$3,844$3,546$3,270$2,746
9 years$3,970$3,627$3,311$3,021$2,754$2,255
10 years$3,537$3,197$2,887$2,604$2,347$1,872
11 years$3,183$2,846$2,541$2,266$2,018$1,568
12 years$2,888$2,555$2,255$1,988$1,749$1,322
13 years$2,638$2,309$2,015$1,755$1,525$1,122
14 years$2,425$2,098$1,811$1,558$1,337$956
15 years$2,240$1,917$1,635$1,389$1,177$818
16 years$2,078$1,759$1,482$1,244$1,040$702
17 years$1,935$1,620$1,349$1,118$922$604
18 years$1,809$1,497$1,231$1,007$820$521
19 years$1,696$1,387$1,127$910$731$450
20 years$1,594$1,289$1,034$824$653$390
21 years$1,502$1,201$951$748$584$338
22 years$1,419$1,121$877$680$524$293
23 years$1,343$1,048$810$619$470$255
24 years$1,273$982$749$565$423$221
25 years$1,209$922$693$516$380$193
26 years$1,150$866$643$472$343$168
27 years$1,096$815$597$432$309$146
28 years$1,045$768$555$396$279$128
29 years$998$725$517$363$252$111
30 years$955$684$481$333$227$97
31 years$914$647$449$306$206$85
32 years$876$612$419$281$186$74
33 years$840$580$391$258$168$65
34 years$806$549$365$238$152$56
35 years$775$521$341$219$138$49
36 years$745$495$319$202$125$43
37 years$717$470$299$186$113$38
38 years$690$446$280$171$103$33
39 years$665$425$262$158$93$29
40 years$641$404$246$146$84$25
41 years$619$385$231$134$77$22
42 years$597$366$216$124$70$19
43 years$577$349$203$114$63$17
44 years$557$333$190$106$57$15
45 years$539$317$179$98$52$13
46 years$521$303$168$90$47$11
47 years$504$289$158$83$43$10
48 years$488$276$148$77$39$9
49 years$473$263$139$71$35$8
50 years$458$251$131$66$32$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $469,000, adding $2,440 every year, while hoping to spend $21,312 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: 51/19/30 Blend
51$469,000$469,000$469,000$469,000
52$519,355$494,498$487,228$541,332
53$549,653$496,052$480,875$558,498
54$582,328$496,969$473,594$574,838
55$617,598$497,194$465,332$592,197
56$655,707$496,669$456,034$610,681
57$696,918$495,335$445,641$630,410
58$741,524$493,127$434,090$651,516
59$789,846$489,977$421,319$674,146
60$842,236$485,812$407,259$698,462
61$899,083$480,555$391,841$724,647
62$960,812$474,125$374,990$752,899
63$1,027,894$466,436$356,631$783,443
64$1,100,844$457,397$336,683$816,526
65$1,180,231$446,909$315,063$852,420
66$1,266,678$434,872$291,681$891,431
67$1,360,874$421,175$266,447$933,893
68$1,463,575$405,705$239,265$980,181
69$1,575,615$388,339$210,036$1,030,707
70$1,697,909$368,950$178,653$1,085,928
71$1,831,467$347,400$145,010$1,146,350
72$1,977,400$323,545$108,990$1,212,534
73$2,136,930$297,234$70,477$1,285,100
74$2,311,404$268,306$29,345$1,364,735
75$2,502,305$236,591$0$1,452,196
76$2,711,264$201,908$0$1,552,982
77$2,940,079$164,067$0$1,673,691
78$3,190,730$122,869$0$1,805,992
79$3,465,397$78,102$0$1,951,067
80$3,766,479$29,541$0$2,110,221
81$4,096,622$0$0$2,284,892
82$4,458,737$0$0$2,481,486
83$4,856,032$0$0$2,704,005
84$5,292,039$0$0$2,948,257
85$5,770,652$0$0$3,216,428
86$6,296,156$0$0$3,510,928
87$6,873,273$0$0$3,834,409
88$7,507,207$0$0$4,189,794
89$8,203,686$0$0$4,580,303
90$8,969,025$0$0$5,009,483
91$9,810,178$0$0$5,481,243
92$10,734,807$0$0$5,999,886
93$11,751,355$0$0$6,570,158
94$12,869,121$0$0$7,197,283
95$14,098,351$0$0$7,887,019
96$15,450,335$0$0$8,645,710
97$16,937,511$0$0$9,480,345
98$18,573,583$0$0$10,398,626
99$20,373,650$0$0$11,409,037
100$22,354,349$0$0$12,520,926