Can I retire at age 52 with 431,000?

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 $431,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$35,592$35,275$34,965$34,663$34,369$34,066
2 years$17,620$17,291$16,973$16,665$16,366$16,061
3 years$11,630$11,300$10,983$10,677$10,383$10,086
4 years$8,635$8,307$7,993$7,693$7,405$7,117
5 years$6,839$6,513$6,203$5,909$5,629$5,352
6 years$5,642$5,318$5,013$4,725$4,454$4,187
7 years$4,787$4,466$4,166$3,885$3,623$3,366
8 years$4,147$3,828$3,533$3,259$3,005$2,760
9 years$3,649$3,333$3,043$2,776$2,531$2,296
10 years$3,250$2,938$2,653$2,393$2,156$1,932
11 years$2,925$2,616$2,335$2,082$1,855$1,640
12 years$2,654$2,348$2,073$1,827$1,607$1,403
13 years$2,424$2,122$1,852$1,613$1,401$1,207
14 years$2,228$1,928$1,664$1,431$1,229$1,044
15 years$2,058$1,762$1,502$1,277$1,082$906
16 years$1,909$1,616$1,362$1,143$956$790
17 years$1,779$1,489$1,239$1,027$848$690
18 years$1,662$1,375$1,131$926$754$605
19 years$1,558$1,275$1,036$836$672$531
20 years$1,465$1,185$951$757$600$467
21 years$1,380$1,103$874$687$537$412
22 years$1,304$1,030$806$625$481$363
23 years$1,234$963$744$569$432$321
24 years$1,170$903$688$519$388$284
25 years$1,111$847$637$474$349$252
26 years$1,057$796$591$434$315$223
27 years$1,007$749$549$397$284$198
28 years$961$706$510$364$256$175
29 years$917$666$475$333$231$156
30 years$877$629$442$306$209$138
31 years$840$595$412$281$189$123
32 years$805$563$385$258$171$109
33 years$772$533$359$238$155$97
34 years$741$505$336$219$140$87
35 years$712$479$314$201$127$77
36 years$685$455$294$185$115$69
37 years$659$432$275$171$104$61
38 years$634$410$257$157$94$54
39 years$611$390$241$145$86$48
40 years$589$371$226$134$78$43
41 years$568$353$212$123$70$38
42 years$549$337$199$114$64$34
43 years$530$321$186$105$58$31
44 years$512$306$175$97$53$27
45 years$495$291$164$90$48$24
46 years$479$278$154$83$43$22
47 years$463$265$145$77$39$19
48 years$449$253$136$71$36$17
49 years$434$242$128$65$33$15
50 years$421$231$120$60$30$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $431,000, adding $2,453 every year, while hoping to spend $26,064 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: 68/10/22 Blend
51$431,000$431,000$431,000$431,000
52$477,492$454,649$447,969$507,154
53$498,465$449,195$435,244$521,875
54$520,703$442,600$421,219$534,730
55$544,308$434,781$405,823$548,172
56$569,391$425,650$388,982$562,257
57$596,074$415,112$370,619$577,050
58$624,490$403,068$350,651$592,621
59$654,784$389,415$328,994$609,049
60$687,117$374,040$305,559$626,422
61$721,661$356,827$280,254$644,838
62$758,610$337,651$252,982$664,404
63$798,172$316,380$223,641$685,243
64$840,579$292,876$192,126$707,487
65$886,082$266,991$158,327$731,285
66$934,960$238,571$122,128$756,804
67$987,515$207,450$83,409$784,225
68$1,044,083$173,456$42,044$813,754
69$1,105,030$136,406$0$845,615
70$1,170,758$96,105$0$880,553
71$1,241,710$52,350$0$928,916
72$1,318,374$4,923$0$981,167
73$1,401,282$0$0$1,037,682
74$1,491,022$0$0$1,103,980
75$1,588,240$0$0$1,176,412
76$1,693,646$0$0$1,254,966
77$1,808,021$0$0$1,340,227
78$1,932,224$0$0$1,432,839
79$2,067,198$0$0$1,533,508
80$2,213,983$0$0$1,643,012
81$2,373,722$0$0$1,762,208
82$2,547,673$0$0$1,892,038
83$2,737,219$0$0$2,033,538
84$2,943,884$0$0$2,187,850
85$3,169,344$0$0$2,356,228
86$3,415,445$0$0$2,540,055
87$3,684,216$0$0$2,740,852
88$3,977,895$0$0$2,960,295
89$4,298,942$0$0$3,200,227
90$4,650,069$0$0$3,462,678
91$5,034,258$0$0$3,749,885
92$5,454,796$0$0$4,064,307
93$5,915,301$0$0$4,408,657
94$6,419,756$0$0$4,785,919
95$6,972,551$0$0$5,199,380
96$7,578,517$0$0$5,652,662
97$8,242,977$0$0$6,149,750
98$8,971,792$0$0$6,695,038
99$9,771,420$0$0$7,293,363
100$10,648,971$0$0$7,950,053