Can I retire at age 52 with 477,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $477,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$39,390$39,039$38,697$38,363$38,037$37,208
2 years$19,500$19,137$18,785$18,444$18,113$17,282
3 years$12,871$12,506$12,155$11,817$11,491$10,685
4 years$9,557$9,193$8,846$8,514$8,196$7,419
5 years$7,569$7,208$6,865$6,539$6,230$5,486
6 years$6,244$5,886$5,548$5,229$4,930$4,218
7 years$5,298$4,943$4,610$4,299$4,009$3,331
8 years$4,589$4,237$3,910$3,607$3,326$2,681
9 years$4,038$3,689$3,368$3,072$2,801$2,188
10 years$3,597$3,252$2,936$2,648$2,387$1,806
11 years$3,237$2,895$2,585$2,305$2,053$1,503
12 years$2,937$2,598$2,294$2,022$1,779$1,259
13 years$2,683$2,348$2,049$1,785$1,551$1,061
14 years$2,466$2,134$1,841$1,584$1,360$898
15 years$2,278$1,950$1,663$1,413$1,197$763
16 years$2,113$1,789$1,507$1,265$1,058$650
17 years$1,968$1,647$1,372$1,137$938$555
18 years$1,840$1,522$1,252$1,024$834$476
19 years$1,725$1,411$1,146$926$743$408
20 years$1,621$1,311$1,052$838$664$351
21 years$1,528$1,221$968$761$594$302
22 years$1,443$1,140$892$692$533$260
23 years$1,366$1,066$823$630$478$224
24 years$1,295$999$762$575$430$193
25 years$1,230$937$705$525$387$167
26 years$1,170$881$654$480$348$144
27 years$1,114$829$607$439$314$125
28 years$1,063$781$565$402$283$108
29 years$1,015$737$525$369$256$93
30 years$971$696$489$339$231$81
31 years$929$658$456$311$209$70
32 years$891$623$426$286$189$60
33 years$854$590$398$263$171$52
34 years$820$559$371$242$155$45
35 years$788$530$347$223$140$39
36 years$758$503$325$205$127$34
37 years$729$478$304$189$115$30
38 years$702$454$285$174$104$26
39 years$676$432$267$161$95$22
40 years$652$411$250$148$86$19
41 years$629$391$234$137$78$17
42 years$607$372$220$126$71$14
43 years$587$355$206$116$64$13
44 years$567$338$194$107$58$11
45 years$548$323$182$99$53$9
46 years$530$308$171$92$48$8
47 years$513$294$161$85$44$7
48 years$496$280$151$78$40$6
49 years$481$268$142$72$36$5
50 years$466$256$133$67$33$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $477,000, adding $4,656 every year, while hoping to spend $20,280 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: 68/14/18 Blend
51$477,000$477,000$477,000$477,000
52$530,457$505,176$497,782$563,901
53$562,985$508,352$492,880$590,001
54$598,153$511,003$487,134$615,730
55$636,206$513,084$480,495$643,373
56$677,417$514,543$472,909$673,118
57$722,085$515,328$464,324$705,170
58$770,541$515,382$454,682$739,758
59$823,145$514,645$443,923$777,134
60$880,296$513,053$431,984$817,573
61$942,432$510,538$418,802$861,383
62$1,010,035$507,029$404,306$908,902
63$1,083,635$502,450$388,427$960,502
64$1,163,815$496,719$371,088$1,016,595
65$1,251,218$489,752$352,213$1,077,635
66$1,346,549$481,457$331,719$1,144,123
67$1,450,587$471,738$309,522$1,216,611
68$1,564,188$460,494$285,532$1,295,711
69$1,688,293$447,616$259,655$1,382,095
70$1,823,941$432,992$231,796$1,476,505
71$1,972,273$416,498$201,851$1,579,762
72$2,134,548$398,009$169,716$1,692,768
73$2,312,149$377,389$135,278$1,816,521
74$2,506,601$354,494$98,424$1,952,121
75$2,719,584$329,174$59,030$2,100,783
76$2,952,947$301,269$16,973$2,263,844
77$3,208,725$270,609$0$2,442,781
78$3,489,162$237,016$0$2,644,584
79$3,796,728$200,301$0$2,869,516
80$4,134,143$160,264$0$3,116,324
81$4,504,404$116,696$0$3,387,221
82$4,910,811$69,372$0$3,684,649
83$5,357,002$18,059$0$4,011,297
84$5,846,981$0$0$4,370,131
85$6,385,160$0$0$4,770,193
86$6,976,399$0$0$5,212,784
87$7,626,053$0$0$5,699,135
88$8,340,021$0$0$6,233,665
89$9,124,801$0$0$6,821,243
90$9,987,553$0$0$7,467,235
91$10,936,164$0$0$8,177,549
92$11,979,325$0$0$8,958,699
93$13,126,610$0$0$9,817,857
94$14,388,567$0$0$10,762,929
95$15,776,821$0$0$11,802,622
96$17,304,175$0$0$12,946,534
97$18,984,741$0$0$14,205,236
98$20,834,064$0$0$15,590,378
99$22,869,273$0$0$17,114,795
100$25,109,243$0$0$18,792,629