Can I retire at age 52 with 472,000?

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 $472,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$38,977$38,630$38,291$37,961$37,638$37,479
2 years$19,296$18,936$18,588$18,250$17,923$17,763
3 years$12,736$12,375$12,028$11,693$11,371$11,214
4 years$9,457$9,097$8,753$8,424$8,110$7,958
5 years$7,490$7,132$6,793$6,471$6,165$6,018
6 years$6,179$5,824$5,490$5,175$4,878$4,737
7 years$5,243$4,891$4,562$4,254$3,967$3,831
8 years$4,541$4,192$3,869$3,569$3,291$3,160
9 years$3,996$3,650$3,332$3,040$2,772$2,646
10 years$3,560$3,218$2,905$2,620$2,362$2,241
11 years$3,203$2,864$2,558$2,281$2,031$1,916
12 years$2,906$2,571$2,270$2,000$1,760$1,650
13 years$2,655$2,323$2,028$1,766$1,535$1,430
14 years$2,440$2,112$1,822$1,568$1,345$1,245
15 years$2,254$1,929$1,645$1,398$1,185$1,089
16 years$2,091$1,770$1,492$1,252$1,047$956
17 years$1,948$1,630$1,357$1,125$928$842
18 years$1,820$1,506$1,239$1,014$825$744
19 years$1,706$1,396$1,134$916$736$658
20 years$1,604$1,297$1,041$830$657$584
21 years$1,512$1,208$957$753$588$519
22 years$1,428$1,128$882$685$527$461
23 years$1,351$1,055$815$623$473$411
24 years$1,281$988$754$569$425$367
25 years$1,217$928$698$519$383$328
26 years$1,158$872$647$475$345$293
27 years$1,103$820$601$435$311$262
28 years$1,052$773$559$398$280$235
29 years$1,005$729$520$365$253$210
30 years$961$689$484$335$229$188
31 years$920$651$452$308$207$169
32 years$881$616$421$283$187$152
33 years$845$583$393$260$169$136
34 years$811$553$368$239$153$122
35 years$780$524$344$220$139$110
36 years$750$498$321$203$126$99
37 years$721$473$301$187$114$89
38 years$695$449$282$172$103$80
39 years$669$427$264$159$94$72
40 years$645$407$247$147$85$64
41 years$623$387$232$135$77$58
42 years$601$369$218$125$70$52
43 years$580$351$204$115$64$47
44 years$561$335$192$106$58$42
45 years$542$319$180$98$52$38
46 years$524$304$169$91$48$34
47 years$507$291$159$84$43$31
48 years$491$277$149$77$39$28
49 years$476$265$140$72$36$25
50 years$461$253$132$66$32$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $472,000, adding $2,645 every year, while hoping to spend $34,332 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: 62/19/19 Blend
51$472,000$472,000$472,000$472,000
52$522,872$497,856$490,540$552,585
53$539,676$485,722$470,444$560,799
54$557,044$471,843$448,525$565,686
55$574,996$456,097$424,684$570,225
56$593,554$438,355$398,820$574,386
57$612,743$418,480$370,827$578,139
58$632,587$396,330$340,593$581,448
59$653,110$371,750$308,003$584,278
60$674,342$344,579$272,935$586,592
61$696,309$314,648$235,262$588,350
62$719,042$281,775$194,853$589,512
63$742,572$245,771$151,569$590,034
64$766,934$206,433$105,266$589,870
65$792,163$163,549$55,794$588,972
66$818,295$116,895$2,994$587,292
67$845,370$66,232$0$584,776
68$873,431$11,310$0$592,185
69$902,522$0$0$599,998
70$932,690$0$0$617,647
71$963,985$0$0$638,412
72$996,462$0$0$659,964
73$1,030,177$0$0$682,343
74$1,065,192$0$0$705,589
75$1,101,571$0$0$729,745
76$1,139,385$0$0$754,860
77$1,178,707$0$0$780,982
78$1,219,617$0$0$808,167
79$1,262,202$0$0$836,471
80$1,306,554$0$0$865,958
81$1,352,771$0$0$896,693
82$1,400,960$0$0$928,749
83$1,451,236$0$0$962,204
84$1,503,722$0$0$997,140
85$1,558,553$0$0$1,033,649
86$1,615,872$0$0$1,071,829
87$1,675,835$0$0$1,111,784
88$1,738,612$0$0$1,153,629
89$1,804,385$0$0$1,197,488
90$1,873,352$0$0$1,243,497
91$1,945,729$0$0$1,291,799
92$2,021,750$0$0$1,342,555
93$2,101,667$0$0$1,395,936
94$2,185,758$0$0$1,452,130
95$2,274,322$0$0$1,511,340
96$2,367,686$0$0$1,573,790
97$2,466,207$0$0$1,639,720
98$2,570,274$0$0$1,709,396
99$2,680,309$0$0$1,783,105
100$2,796,776$0$0$1,861,162