Can I retire at age 52 with 474,000?

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 $474,000?

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$39,142$38,794$38,454$38,122$37,797$37,080
2 years$19,377$19,017$18,667$18,328$17,999$17,279
3 years$12,790$12,428$12,079$11,743$11,419$10,719
4 years$9,497$9,136$8,790$8,460$8,144$7,469
5 years$7,522$7,162$6,822$6,498$6,191$5,543
6 years$6,205$5,849$5,513$5,197$4,899$4,279
7 years$5,265$4,912$4,581$4,272$3,984$3,392
8 years$4,560$4,210$3,885$3,584$3,305$2,741
9 years$4,013$3,666$3,346$3,053$2,783$2,247
10 years$3,575$3,231$2,917$2,632$2,372$1,862
11 years$3,217$2,877$2,568$2,290$2,040$1,557
12 years$2,918$2,582$2,279$2,009$1,768$1,310
13 years$2,666$2,333$2,037$1,773$1,541$1,109
14 years$2,450$2,121$1,830$1,574$1,351$943
15 years$2,263$1,937$1,652$1,404$1,190$805
16 years$2,100$1,778$1,498$1,257$1,051$690
17 years$1,956$1,637$1,363$1,130$932$592
18 years$1,828$1,513$1,244$1,018$829$510
19 years$1,714$1,402$1,139$920$739$439
20 years$1,611$1,303$1,045$833$660$380
21 years$1,518$1,213$962$756$591$328
22 years$1,434$1,133$886$687$529$284
23 years$1,357$1,059$818$626$475$246
24 years$1,287$993$757$571$427$214
25 years$1,222$932$701$521$384$186
26 years$1,163$875$650$477$346$161
27 years$1,107$824$604$436$312$140
28 years$1,056$776$561$400$282$122
29 years$1,009$732$522$367$254$106
30 years$965$692$486$337$230$92
31 years$924$654$453$309$208$80
32 years$885$619$423$284$188$70
33 years$849$586$395$261$170$61
34 years$815$555$369$240$154$53
35 years$783$527$345$221$139$46
36 years$753$500$323$204$126$40
37 years$724$475$302$188$115$35
38 years$698$451$283$173$104$31
39 years$672$429$265$160$94$27
40 years$648$408$248$147$85$23
41 years$625$389$233$136$77$20
42 years$603$370$219$125$70$18
43 years$583$353$205$116$64$15
44 years$563$336$193$107$58$14
45 years$544$321$181$99$53$12
46 years$527$306$170$91$48$10
47 years$510$292$159$84$43$9
48 years$493$279$150$78$39$8
49 years$478$266$141$72$36$7
50 years$463$254$132$66$32$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $474,000, adding $4,989 every year, while hoping to spend $34,242 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: 64/6/30 Blend
51$474,000$474,000$474,000$474,000
52$527,494$502,372$495,025$556,730
53$544,865$490,555$475,175$565,338
54$562,861$477,012$453,513$570,551
55$581,508$461,620$429,941$575,518
56$600,836$444,254$404,358$580,220
57$620,876$424,777$376,659$584,638
58$641,661$403,047$346,732$588,753
59$663,225$378,911$314,463$592,542
60$685,607$352,211$279,731$595,987
61$708,846$322,776$242,409$599,064
62$732,985$290,429$202,365$601,752
63$758,068$254,979$159,464$604,029
64$784,145$216,227$113,560$605,872
65$811,268$173,962$64,504$607,257
66$839,492$127,960$12,140$608,162
67$868,878$77,988$0$608,565
68$899,489$23,795$0$622,442
69$931,395$0$0$640,828
70$964,670$0$0$662,170
71$999,395$0$0$686,088
72$1,035,656$0$0$711,071
73$1,073,547$0$0$737,186
74$1,113,170$0$0$764,501
75$1,154,632$0$0$793,095
76$1,198,053$0$0$823,050
77$1,243,561$0$0$854,455
78$1,291,294$0$0$887,409
79$1,341,405$0$0$922,016
80$1,394,056$0$0$958,393
81$1,449,427$0$0$996,663
82$1,507,710$0$0$1,036,963
83$1,569,117$0$0$1,079,441
84$1,633,878$0$0$1,124,258
85$1,702,243$0$0$1,171,590
86$1,774,485$0$0$1,221,628
87$1,850,901$0$0$1,274,582
88$1,931,818$0$0$1,330,680
89$2,017,591$0$0$1,390,172
90$2,108,607$0$0$1,453,331
91$2,205,291$0$0$1,520,455
92$2,308,108$0$0$1,591,870
93$2,417,565$0$0$1,667,934
94$2,534,218$0$0$1,749,038
95$2,658,678$0$0$1,835,611
96$2,791,610$0$0$1,928,121
97$2,933,746$0$0$2,027,083
98$3,085,888$0$0$2,133,062
99$3,248,915$0$0$2,246,676
100$3,423,791$0$0$2,368,603