Can I retire at age 52 with 477,000?

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 $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%11.1%
1 years$39,390$39,039$38,697$38,363$38,037$37,860
2 years$19,500$19,137$18,785$18,444$18,113$17,935
3 years$12,871$12,506$12,155$11,817$11,491$11,317
4 years$9,557$9,193$8,846$8,514$8,196$8,027
5 years$7,569$7,208$6,865$6,539$6,230$6,067
6 years$6,244$5,886$5,548$5,229$4,930$4,773
7 years$5,298$4,943$4,610$4,299$4,009$3,858
8 years$4,589$4,237$3,910$3,607$3,326$3,181
9 years$4,038$3,689$3,368$3,072$2,801$2,662
10 years$3,597$3,252$2,936$2,648$2,387$2,253
11 years$3,237$2,895$2,585$2,305$2,053$1,925
12 years$2,937$2,598$2,294$2,022$1,779$1,657
13 years$2,683$2,348$2,049$1,785$1,551$1,435
14 years$2,466$2,134$1,841$1,584$1,360$1,249
15 years$2,278$1,950$1,663$1,413$1,197$1,092
16 years$2,113$1,789$1,507$1,265$1,058$958
17 years$1,968$1,647$1,372$1,137$938$843
18 years$1,840$1,522$1,252$1,024$834$744
19 years$1,725$1,411$1,146$926$743$658
20 years$1,621$1,311$1,052$838$664$583
21 years$1,528$1,221$968$761$594$518
22 years$1,443$1,140$892$692$533$460
23 years$1,366$1,066$823$630$478$410
24 years$1,295$999$762$575$430$365
25 years$1,230$937$705$525$387$326
26 years$1,170$881$654$480$348$291
27 years$1,114$829$607$439$314$260
28 years$1,063$781$565$402$283$233
29 years$1,015$737$525$369$256$208
30 years$971$696$489$339$231$187
31 years$929$658$456$311$209$167
32 years$891$623$426$286$189$150
33 years$854$590$398$263$171$134
34 years$820$559$371$242$155$121
35 years$788$530$347$223$140$108
36 years$758$503$325$205$127$97
37 years$729$478$304$189$115$87
38 years$702$454$285$174$104$78
39 years$676$432$267$161$95$70
40 years$652$411$250$148$86$63
41 years$629$391$234$137$78$57
42 years$607$372$220$126$71$51
43 years$587$355$206$116$64$46
44 years$567$338$194$107$58$41
45 years$548$323$182$99$53$37
46 years$530$308$171$92$48$33
47 years$513$294$161$85$44$30
48 years$496$280$151$78$40$27
49 years$481$268$142$72$36$24
50 years$466$256$133$67$33$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $477,000, adding $4,335 every year, while hoping to spend $22,644 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: 55/21/24 Blend
51$477,000$477,000$477,000$477,000
52$530,126$504,845$497,451$555,576
53$560,105$505,489$490,023$574,172
54$592,384$505,406$481,586$591,682
55$627,172$504,536$472,085$610,277
56$664,702$502,816$461,457$630,069
57$705,226$500,179$449,641$651,181
58$749,025$496,553$436,569$673,750
59$796,405$491,863$422,174$697,929
60$847,703$486,030$406,382$723,887
61$903,291$478,968$389,118$751,812
62$963,576$470,587$370,303$781,910
63$1,029,007$460,792$349,854$814,412
64$1,100,078$449,482$327,686$849,575
65$1,177,330$436,551$303,707$887,681
66$1,261,360$421,884$277,825$929,043
67$1,352,826$405,364$249,939$974,008
68$1,452,449$386,862$219,947$1,022,963
69$1,561,026$366,245$187,742$1,076,331
70$1,679,431$343,372$153,212$1,134,586
71$1,808,628$318,092$116,239$1,198,248
72$1,949,676$290,246$76,702$1,267,895
73$2,103,743$259,669$34,471$1,344,166
74$2,272,114$226,181$0$1,427,768
75$2,456,203$189,598$0$1,522,196
76$2,657,568$149,720$0$1,635,198
77$2,877,923$106,339$0$1,758,929
78$3,119,156$59,235$0$1,894,487
79$3,383,348$8,175$0$2,043,080
80$3,672,787$0$0$2,206,040
81$3,989,996$0$0$2,395,720
82$4,337,751$0$0$2,605,783
83$4,719,112$0$0$2,836,190
84$5,137,447$0$0$3,088,986
85$5,596,468$0$0$3,366,416
86$6,100,261$0$0$3,670,959
87$6,653,329$0$0$4,005,341
88$7,260,632$0$0$4,372,569
89$7,927,632$0$0$4,775,953
90$8,660,349$0$0$5,219,139
91$9,465,411$0$0$5,706,146
92$10,350,124$0$0$6,241,399
93$11,322,534$0$0$6,829,775
94$12,391,505$0$0$7,476,644
95$13,566,805$0$0$8,187,927
96$14,859,193$0$0$8,970,144
97$16,280,525$0$0$9,830,479
98$17,843,862$0$0$10,776,848
99$19,563,596$0$0$11,817,971
100$21,455,581$0$0$12,963,459