Can I retire at age 52 with 400,000?

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 $400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$33,032$32,737$32,450$32,170$31,897$31,485
2 years$16,352$16,048$15,753$15,466$15,189$14,775
3 years$10,793$10,487$10,193$9,909$9,636$9,233
4 years$8,014$7,709$7,418$7,139$6,873$6,483
5 years$6,347$6,044$5,757$5,484$5,225$4,849
6 years$5,236$4,936$4,652$4,385$4,134$3,773
7 years$4,443$4,145$3,866$3,605$3,362$3,017
8 years$3,849$3,553$3,279$3,024$2,789$2,459
9 years$3,386$3,093$2,824$2,576$2,349$2,034
10 years$3,017$2,727$2,462$2,221$2,001$1,701
11 years$2,714$2,427$2,167$1,933$1,721$1,435
12 years$2,463$2,179$1,924$1,695$1,492$1,220
13 years$2,250$1,969$1,719$1,497$1,301$1,043
14 years$2,068$1,790$1,544$1,329$1,140$896
15 years$1,910$1,635$1,394$1,185$1,004$773
16 years$1,772$1,500$1,264$1,061$887$669
17 years$1,651$1,381$1,150$953$787$580
18 years$1,543$1,277$1,050$859$699$505
19 years$1,446$1,183$961$776$623$440
20 years$1,359$1,099$882$703$557$384
21 years$1,281$1,024$811$638$498$336
22 years$1,210$956$748$580$447$295
23 years$1,145$894$690$528$401$258
24 years$1,086$838$639$482$360$227
25 years$1,031$786$591$440$324$199
26 years$981$739$549$402$292$175
27 years$935$695$509$368$263$154
28 years$892$655$474$337$238$136
29 years$852$618$441$309$215$119
30 years$814$584$410$284$194$105
31 years$779$552$383$261$175$93
32 years$747$522$357$240$159$82
33 years$716$494$333$220$144$72
34 years$688$469$311$203$130$64
35 years$661$444$291$187$118$56
36 years$635$422$272$172$107$50
37 years$611$401$255$158$97$44
38 years$589$381$239$146$88$39
39 years$567$362$224$135$79$34
40 years$547$345$210$124$72$30
41 years$528$328$197$115$65$27
42 years$509$312$184$106$59$24
43 years$492$298$173$98$54$21
44 years$475$284$162$90$49$18
45 years$459$270$153$83$44$16
46 years$444$258$143$77$40$14
47 years$430$246$135$71$37$13
48 years$416$235$126$66$33$11
49 years$403$224$119$61$30$10
50 years$391$214$112$56$27$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $400,000, adding $2,609 every year, while hoping to spend $22,795 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: 46/28/26 Blend
51$400,000$400,000$400,000$400,000
52$443,491$422,291$416,091$460,471
53$464,474$418,730$405,777$469,158
54$486,832$414,230$394,352$476,154
55$510,683$408,721$381,757$483,297
56$536,154$402,130$367,928$490,613
57$563,385$394,377$352,796$498,132
58$592,528$385,380$336,293$505,888
59$623,752$375,049$318,344$513,920
60$657,240$363,292$298,875$522,275
61$693,195$350,010$277,803$531,004
62$731,838$335,098$255,047$540,165
63$773,413$318,445$230,518$549,828
64$818,187$299,934$204,126$560,068
65$866,452$279,441$175,775$570,972
66$918,533$256,836$145,366$582,639
67$974,782$231,980$112,795$595,180
68$1,035,590$204,727$77,953$608,719
69$1,101,383$174,922$40,727$623,398
70$1,172,632$142,401$1,000$639,375
71$1,249,855$106,993$0$656,830
72$1,333,618$68,514$0$687,446
73$1,424,549$26,773$0$721,005
74$1,523,334$0$0$757,520
75$1,630,729$0$0$802,989
76$1,747,568$0$0$861,472
77$1,874,764$0$0$925,181
78$2,013,327$0$0$994,628
79$2,164,364$0$0$1,070,374
80$2,329,096$0$0$1,153,036
81$2,508,865$0$0$1,243,295
82$2,705,150$0$0$1,341,898
83$2,919,578$0$0$1,449,670
84$3,153,941$0$0$1,567,518
85$3,410,211$0$0$1,696,440
86$3,690,558$0$0$1,837,538
87$3,997,376$0$0$1,992,022
88$4,333,295$0$0$2,161,225
89$4,701,217$0$0$2,346,616
90$5,104,333$0$0$2,549,813
91$5,546,160$0$0$2,772,597
92$6,030,570$0$0$3,016,930
93$6,561,830$0$0$3,284,974
94$7,144,636$0$0$3,579,108
95$7,784,164$0$0$3,901,954
96$8,486,114$0$0$4,256,400
97$9,256,763$0$0$4,645,628
98$10,103,027$0$0$5,073,142
99$11,032,527$0$0$5,542,803
100$12,053,653$0$0$6,058,863