Can I retire at age 52 with 476,000?

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 $476,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$39,308$38,958$38,616$38,282$37,957$37,054
2 years$19,459$19,097$18,746$18,405$18,075$17,171
3 years$12,844$12,480$12,130$11,792$11,467$10,590
4 years$9,537$9,174$8,827$8,496$8,179$7,335
5 years$7,553$7,193$6,850$6,525$6,217$5,409
6 years$6,231$5,873$5,536$5,218$4,919$4,148
7 years$5,287$4,932$4,601$4,290$4,001$3,267
8 years$4,580$4,228$3,902$3,599$3,319$2,621
9 years$4,030$3,681$3,360$3,066$2,795$2,133
10 years$3,590$3,245$2,930$2,643$2,382$1,755
11 years$3,230$2,889$2,579$2,300$2,048$1,456
12 years$2,931$2,593$2,289$2,017$1,775$1,216
13 years$2,678$2,343$2,045$1,781$1,548$1,021
14 years$2,461$2,130$1,838$1,581$1,357$861
15 years$2,273$1,946$1,659$1,410$1,195$729
16 years$2,109$1,785$1,504$1,262$1,056$619
17 years$1,964$1,644$1,369$1,134$936$527
18 years$1,836$1,519$1,249$1,022$832$450
19 years$1,721$1,408$1,144$924$742$384
20 years$1,618$1,308$1,050$837$663$329
21 years$1,525$1,219$966$759$593$282
22 years$1,440$1,138$890$690$532$242
23 years$1,363$1,064$822$629$477$208
24 years$1,292$997$760$573$429$178
25 years$1,227$935$704$524$386$153
26 years$1,167$879$653$479$348$132
27 years$1,112$827$606$438$313$114
28 years$1,061$780$564$402$283$98
29 years$1,013$736$524$368$255$84
30 years$969$695$488$338$231$73
31 years$928$657$455$310$209$63
32 years$889$621$425$285$189$54
33 years$852$588$397$262$171$47
34 years$818$558$371$241$155$40
35 years$786$529$347$222$140$35
36 years$756$502$324$205$127$30
37 years$727$477$303$189$115$26
38 years$700$453$284$174$104$22
39 years$675$431$266$160$95$19
40 years$651$410$250$148$86$17
41 years$628$390$234$136$78$14
42 years$606$372$219$126$71$12
43 years$585$354$206$116$64$11
44 years$566$338$193$107$58$9
45 years$547$322$182$99$53$8
46 years$529$307$170$91$48$7
47 years$512$293$160$85$44$6
48 years$495$280$151$78$40$5
49 years$480$267$141$72$36$4
50 years$465$255$133$67$33$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $476,000, adding $2,138 every year, while hoping to spend $38,161 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: 64/16/20 Blend
51$476,000$476,000$476,000$476,000
52$526,757$501,529$494,151$557,653
53$539,884$485,501$470,102$562,667
54$553,070$467,409$443,969$563,630
55$566,282$447,111$415,641$563,791
56$579,480$424,457$385,002$563,074
57$592,621$399,289$351,934$561,394
58$605,655$371,441$316,310$558,665
59$618,524$340,734$277,999$554,788
60$631,166$306,982$236,864$549,659
61$643,508$269,987$192,762$543,166
62$655,470$229,541$145,544$535,184
63$666,961$185,421$95,052$525,582
64$677,880$137,396$41,126$514,215
65$688,113$85,218$0$500,927
66$697,535$28,628$0$489,053
67$706,004$0$0$484,498
68$713,362$0$0$484,065
69$719,434$0$0$487,748
70$724,025$0$0$490,366
71$726,917$0$0$491,767
72$727,869$0$0$491,780
73$726,612$0$0$490,214
74$722,849$0$0$486,859
75$716,249$0$0$481,481
76$706,446$0$0$473,821
77$693,032$0$0$463,591
78$675,558$0$0$450,474
79$653,524$0$0$434,115
80$626,378$0$0$414,125
81$593,508$0$0$390,072
82$554,238$0$0$361,477
83$507,818$0$0$327,812
84$453,420$0$0$288,491
85$390,129$0$0$242,867
86$316,932$0$0$190,225
87$232,709$0$0$129,775
88$136,224$0$0$60,644
89$26,110$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0