Can I retire at age 52 with 428,000?

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 $428,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$35,344$35,029$34,722$34,422$34,129$32,984
2 years$17,497$17,171$16,855$16,549$16,252$15,109
3 years$11,549$11,221$10,906$10,603$10,311$9,207
4 years$8,575$8,249$7,937$7,639$7,354$6,297
5 years$6,792$6,467$6,160$5,867$5,590$4,583
6 years$5,603$5,281$4,978$4,692$4,423$3,467
7 years$4,754$4,435$4,137$3,858$3,597$2,692
8 years$4,118$3,802$3,508$3,236$2,984$2,128
9 years$3,623$3,310$3,022$2,757$2,513$1,706
10 years$3,228$2,918$2,634$2,376$2,141$1,382
11 years$2,904$2,597$2,319$2,068$1,842$1,128
12 years$2,635$2,331$2,058$1,814$1,596$927
13 years$2,408$2,107$1,839$1,601$1,392$765
14 years$2,213$1,915$1,652$1,422$1,220$634
15 years$2,044$1,749$1,492$1,268$1,074$528
16 years$1,896$1,605$1,352$1,135$949$440
17 years$1,766$1,478$1,231$1,020$842$368
18 years$1,651$1,366$1,123$919$748$308
19 years$1,547$1,266$1,028$831$667$258
20 years$1,455$1,176$944$752$596$217
21 years$1,371$1,096$868$683$533$182
22 years$1,295$1,023$800$621$478$153
23 years$1,225$957$739$565$429$129
24 years$1,162$896$683$516$386$109
25 years$1,103$841$633$471$347$92
26 years$1,050$791$587$431$313$77
27 years$1,000$744$545$394$282$65
28 years$954$701$507$361$254$55
29 years$911$661$472$331$230$47
30 years$871$625$439$304$207$39
31 years$834$590$409$279$188$33
32 years$799$559$382$256$170$28
33 years$766$529$357$236$154$24
34 years$736$501$333$217$139$20
35 years$707$476$312$200$126$17
36 years$680$451$291$184$114$14
37 years$654$429$273$170$103$12
38 years$630$407$255$156$94$10
39 years$607$387$239$144$85$9
40 years$585$369$224$133$77$7
41 years$565$351$210$123$70$6
42 years$545$334$197$113$63$5
43 years$526$318$185$104$58$4
44 years$509$304$174$96$52$4
45 years$492$289$163$89$47$3
46 years$475$276$153$82$43$3
47 years$460$263$144$76$39$2
48 years$445$252$135$70$36$2
49 years$431$240$127$65$32$2
50 years$418$229$120$60$29$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $428,000, adding $3,110 every year, while hoping to spend $22,025 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: 50/29/21 Blend
51$428,000$428,000$428,000$428,000
52$474,864$452,180$445,546$495,675
53$499,866$450,902$437,037$509,140
54$526,679$448,824$427,505$521,267
55$555,467$445,882$416,893$533,986
56$586,405$442,011$405,139$547,361
57$619,688$437,140$392,182$561,464
58$655,531$431,194$377,955$576,378
59$694,168$424,096$362,389$592,191
60$735,857$415,760$345,412$609,005
61$780,880$406,098$326,950$626,934
62$829,551$395,018$306,923$646,102
63$882,209$382,418$285,249$666,650
64$939,232$368,194$261,843$688,736
65$1,001,034$352,235$236,614$712,533
66$1,068,067$334,423$209,469$738,236
67$1,140,834$314,634$180,310$766,061
68$1,219,883$292,735$149,035$796,250
69$1,305,820$268,588$115,536$829,070
70$1,399,310$242,045$79,703$864,819
71$1,501,085$212,950$41,419$903,828
72$1,611,952$181,141$562$946,464
73$1,732,795$146,441$0$993,136
74$1,864,593$108,669$0$1,053,941
75$2,008,418$67,630$0$1,120,499
76$2,165,452$23,120$0$1,193,273
77$2,336,998$0$0$1,272,914
78$2,524,487$0$0$1,368,145
79$2,729,497$0$0$1,480,386
80$2,953,765$0$0$1,603,216
81$3,199,203$0$0$1,737,686
82$3,467,917$0$0$1,884,957
83$3,762,224$0$0$2,046,306
84$4,084,680$0$0$2,223,139
85$4,438,095$0$0$2,417,004
86$4,825,567$0$0$2,629,606
87$5,250,507$0$0$2,862,826
88$5,716,672$0$0$3,118,731
89$6,228,199$0$0$3,399,602
90$6,789,649$0$0$3,707,948
91$7,406,040$0$0$4,046,536
92$8,082,905$0$0$4,418,411
93$8,826,335$0$0$4,826,930
94$9,643,043$0$0$5,275,790
95$10,540,423$0$0$5,769,064
96$11,526,619$0$0$6,311,239
97$12,610,607$0$0$6,907,259
98$13,802,272$0$0$7,562,569
99$15,112,506$0$0$8,283,169
100$16,553,309$0$0$9,075,672