Can I retire at age 52 with 478,000?

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 $478,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$39,473$39,121$38,778$38,443$38,116$37,485
2 years$19,541$19,177$18,824$18,482$18,151$17,516
3 years$12,898$12,532$12,181$11,842$11,516$10,898
4 years$9,577$9,213$8,864$8,531$8,213$7,617
5 years$7,585$7,223$6,879$6,553$6,243$5,671
6 years$6,257$5,898$5,559$5,240$4,940$4,392
7 years$5,310$4,953$4,620$4,308$4,018$3,493
8 years$4,599$4,246$3,918$3,614$3,333$2,833
9 years$4,047$3,697$3,375$3,079$2,807$2,330
10 years$3,605$3,258$2,942$2,654$2,392$1,938
11 years$3,244$2,901$2,590$2,310$2,057$1,627
12 years$2,943$2,604$2,299$2,026$1,782$1,375
13 years$2,689$2,353$2,054$1,788$1,554$1,168
14 years$2,471$2,139$1,845$1,588$1,363$997
15 years$2,283$1,954$1,666$1,416$1,200$855
16 years$2,118$1,793$1,510$1,268$1,060$735
17 years$1,972$1,651$1,374$1,139$940$634
18 years$1,843$1,525$1,255$1,027$836$548
19 years$1,728$1,414$1,149$928$745$475
20 years$1,625$1,314$1,054$840$665$412
21 years$1,531$1,224$970$762$596$358
22 years$1,446$1,142$894$693$534$311
23 years$1,368$1,068$825$631$479$271
24 years$1,298$1,001$763$576$431$236
25 years$1,232$939$707$526$388$206
26 years$1,172$883$656$481$349$180
27 years$1,117$831$609$440$315$157
28 years$1,065$783$566$403$284$137
29 years$1,018$739$527$370$256$120
30 years$973$698$491$339$232$105
31 years$931$659$457$312$209$92
32 years$893$624$427$286$190$80
33 years$856$591$398$263$172$70
34 years$822$560$372$242$155$62
35 years$790$531$348$223$141$54
36 years$759$504$326$205$127$47
37 years$731$479$305$189$115$41
38 years$703$455$285$174$105$36
39 years$678$433$267$161$95$32
40 years$654$412$251$148$86$28
41 years$630$392$235$137$78$24
42 years$609$373$220$126$71$21
43 years$588$356$207$117$64$19
44 years$568$339$194$108$58$17
45 years$549$323$182$99$53$14
46 years$531$308$171$92$48$13
47 years$514$294$161$85$44$11
48 years$497$281$151$78$40$10
49 years$482$268$142$72$36$9
50 years$467$256$134$67$33$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $478,000, adding $3,824 every year, while hoping to spend $24,812 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: 54/20/26 Blend
51$478,000$478,000$478,000$478,000
52$530,700$505,366$497,957$555,351
53$558,432$503,730$488,239$571,132
54$588,161$501,181$477,364$585,427
55$620,064$497,650$465,266$600,483
56$654,337$493,061$451,879$616,383
57$691,192$487,334$437,130$633,218
58$730,866$480,385$420,946$651,090
59$773,615$472,125$403,249$670,112
60$819,723$462,458$383,957$690,411
61$869,501$451,285$362,985$712,130
62$923,290$438,498$340,245$735,424
63$981,466$423,985$315,644$760,469
64$1,044,443$407,627$289,085$787,460
65$1,112,673$389,298$260,467$816,613
66$1,186,656$368,864$229,683$848,169
67$1,266,941$346,185$196,623$882,395
68$1,354,132$321,110$161,173$919,588
69$1,448,891$293,482$123,210$960,078
70$1,551,950$263,135$82,610$1,004,230
71$1,664,113$229,892$39,240$1,052,451
72$1,786,262$193,567$0$1,105,191
73$1,919,372$153,963$0$1,164,903
74$2,064,512$110,871$0$1,241,931
75$2,222,862$64,074$0$1,326,032
76$2,395,718$13,338$0$1,417,930
77$2,584,509$0$0$1,518,422
78$2,790,805$0$0$1,637,541
79$3,016,339$0$0$1,771,020
80$3,263,014$0$0$1,917,057
81$3,532,928$0$0$2,076,900
82$3,828,392$0$0$2,251,923
83$4,151,950$0$0$2,443,637
84$4,506,401$0$0$2,653,711
85$4,894,832$0$0$2,883,977
86$5,320,639$0$0$3,136,458
87$5,787,564$0$0$3,413,379
88$6,299,729$0$0$3,717,191
89$6,861,672$0$0$4,050,595
90$7,478,394$0$0$4,416,566
91$8,155,401$0$0$4,818,378
92$8,898,761$0$0$5,259,643
93$9,715,155$0$0$5,744,334
94$10,611,947$0$0$6,276,833
95$11,597,246$0$0$6,861,963
96$12,679,986$0$0$7,505,042
97$13,870,010$0$0$8,211,923
98$15,178,161$0$0$8,989,060
99$16,616,386$0$0$9,843,559
100$18,197,847$0$0$10,783,252