Can I retire at age 53 with 436,000?

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 $436,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$36,004$35,684$35,371$35,065$34,767$33,467
2 years$17,824$17,492$17,170$16,858$16,556$15,261
3 years$11,765$11,431$11,110$10,801$10,504$9,255
4 years$8,736$8,403$8,085$7,782$7,491$6,298
5 years$6,919$6,588$6,275$5,977$5,695$4,560
6 years$5,708$5,380$5,071$4,780$4,506$3,430
7 years$4,843$4,518$4,214$3,930$3,665$2,648
8 years$4,195$3,873$3,574$3,297$3,040$2,081
9 years$3,691$3,372$3,078$2,808$2,560$1,658
10 years$3,288$2,972$2,684$2,421$2,181$1,335
11 years$2,959$2,646$2,363$2,107$1,876$1,082
12 years$2,684$2,375$2,097$1,848$1,626$883
13 years$2,453$2,146$1,873$1,631$1,418$724
14 years$2,254$1,951$1,683$1,448$1,243$596
15 years$2,082$1,782$1,520$1,291$1,094$493
16 years$1,932$1,635$1,378$1,156$967$408
17 years$1,799$1,506$1,254$1,039$858$338
18 years$1,681$1,391$1,144$936$762$281
19 years$1,576$1,290$1,048$846$680$234
20 years$1,482$1,198$962$766$607$195
21 years$1,396$1,116$884$695$543$163
22 years$1,319$1,042$815$632$487$136
23 years$1,248$974$753$576$437$114
24 years$1,184$913$696$525$393$95
25 years$1,124$857$645$480$354$79
26 years$1,069$805$598$439$318$66
27 years$1,019$758$555$401$287$56
28 years$972$714$516$368$259$46
29 years$928$674$480$337$234$39
30 years$888$636$447$310$211$33
31 years$850$601$417$284$191$27
32 years$814$569$389$261$173$23
33 years$781$539$363$240$156$19
34 years$750$511$340$221$142$16
35 years$720$484$317$203$128$13
36 years$692$460$297$187$116$11
37 years$666$437$278$173$105$9
38 years$642$415$260$159$96$8
39 years$618$395$244$147$87$7
40 years$596$376$229$135$79$6
41 years$575$357$214$125$71$5
42 years$555$340$201$115$65$4
43 years$536$324$189$106$59$3
44 years$518$309$177$98$53$3
45 years$501$295$166$91$48$2
46 years$484$281$156$84$44$2
47 years$469$268$147$77$40$2
48 years$454$256$138$72$36$1
49 years$439$245$130$66$33$1
50 years$426$234$122$61$30$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 53 starting with $436,000, adding $2,262 every year, while hoping to spend $23,310 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: 52/35/13 Blend
52$436,000$436,000$436,000$436,000
53$482,805$459,697$452,939$506,125
54$507,250$457,421$443,311$520,026
55$533,406$454,251$432,579$532,468
56$561,425$450,121$420,682$545,469
57$591,470$444,957$407,555$559,088
58$623,723$438,682$393,130$573,392
59$658,381$431,216$377,338$588,456
60$695,661$422,471$360,105$604,361
61$735,803$412,357$341,353$621,201
62$779,070$400,777$321,002$639,081
63$825,747$387,628$298,969$658,116
64$876,154$372,801$275,164$678,436
65$930,636$356,183$249,497$700,186
66$989,577$337,652$221,871$723,528
67$1,053,396$317,080$192,186$748,642
68$1,122,556$294,330$160,337$775,729
69$1,197,563$269,259$126,216$805,012
70$1,278,978$241,716$89,707$836,741
71$1,367,413$211,539$50,692$871,192
72$1,463,546$178,561$9,047$908,675
73$1,568,118$142,601$0$949,533
74$1,681,949$103,471$0$999,055
75$1,805,938$60,971$0$1,054,415
76$1,941,075$14,890$0$1,114,846
77$2,088,450$0$0$1,180,890
78$2,249,263$0$0$1,266,627
79$2,424,835$0$0$1,366,534
80$2,616,618$0$0$1,475,710
81$2,826,214$0$0$1,595,069
82$3,055,384$0$0$1,725,622
83$3,306,067$0$0$1,868,478
84$3,580,399$0$0$2,024,862
85$3,880,732$0$0$2,196,119
86$4,209,656$0$0$2,383,733
87$4,570,022$0$0$2,589,337
88$4,964,972$0$0$2,814,731
89$5,397,964$0$0$3,061,895
90$5,872,808$0$0$3,333,012
91$6,393,700$0$0$3,630,486
92$6,965,262$0$0$3,956,963
93$7,592,584$0$0$4,315,359
94$8,281,275$0$0$4,708,888
95$9,037,510$0$0$5,141,088
96$9,868,096$0$0$5,615,857
97$10,780,527$0$0$6,137,490
98$11,783,061$0$0$6,710,716
99$12,884,796$0$0$7,340,749
100$14,095,753$0$0$8,033,329