Can I retire at age 52 with 432,000?

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 $432,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.2%
1 years$35,674$35,356$35,046$34,744$34,448$33,990
2 years$17,660$17,332$17,013$16,704$16,404$15,943
3 years$11,657$11,326$11,008$10,702$10,407$9,958
4 years$8,655$8,326$8,011$7,710$7,423$6,988
5 years$6,855$6,528$6,217$5,922$5,643$5,224
6 years$5,655$5,330$5,024$4,736$4,465$4,063
7 years$4,799$4,476$4,175$3,894$3,631$3,247
8 years$4,156$3,837$3,541$3,266$3,012$2,645
9 years$3,657$3,341$3,050$2,782$2,537$2,186
10 years$3,258$2,945$2,659$2,398$2,161$1,827
11 years$2,932$2,622$2,341$2,087$1,859$1,541
12 years$2,660$2,353$2,077$1,831$1,611$1,309
13 years$2,430$2,126$1,856$1,616$1,405$1,118
14 years$2,233$1,933$1,668$1,435$1,231$960
15 years$2,063$1,766$1,506$1,280$1,084$827
16 years$1,914$1,620$1,365$1,146$958$716
17 years$1,783$1,492$1,242$1,029$850$621
18 years$1,666$1,379$1,134$928$755$540
19 years$1,562$1,278$1,038$838$673$470
20 years$1,468$1,187$953$759$601$410
21 years$1,384$1,106$876$689$538$359
22 years$1,307$1,032$808$627$482$314
23 years$1,237$966$746$571$433$275
24 years$1,173$905$690$520$389$241
25 years$1,114$849$639$475$350$212
26 years$1,059$798$592$435$316$186
27 years$1,009$751$550$398$284$164
28 years$963$708$511$364$257$144
29 years$920$668$476$334$232$127
30 years$879$630$443$307$209$111
31 years$842$596$413$282$189$98
32 years$807$564$386$259$171$87
33 years$774$534$360$238$155$76
34 years$743$506$336$219$140$67
35 years$714$480$315$202$127$59
36 years$686$456$294$186$115$52
37 years$660$433$275$171$104$46
38 years$636$411$258$158$95$41
39 years$613$391$242$145$86$36
40 years$591$372$226$134$78$32
41 years$570$354$212$124$71$28
42 years$550$337$199$114$64$25
43 years$531$321$187$105$58$22
44 years$513$306$175$97$53$19
45 years$496$292$165$90$48$17
46 years$480$279$155$83$44$15
47 years$464$266$145$77$40$13
48 years$450$254$137$71$36$12
49 years$435$242$128$66$33$10
50 years$422$232$121$61$30$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $432,000, adding $6,756 every year, while hoping to spend $33,592 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: 74/5/21 Blend
51$432,000$432,000$432,000$432,000
52$483,033$460,137$453,441$515,858
53$496,561$446,942$432,889$525,366
54$510,342$431,975$410,524$531,061
55$524,368$415,112$386,247$536,445
56$538,627$396,226$359,960$541,479
57$553,105$375,179$331,556$546,121
58$567,785$351,826$300,927$550,328
59$582,647$326,014$267,956$554,050
60$597,669$297,581$232,525$557,234
61$612,825$266,355$194,508$559,824
62$628,083$232,157$153,774$561,755
63$643,410$194,795$110,188$562,961
64$658,765$154,067$63,606$563,366
65$674,102$109,760$13,880$562,892
66$689,370$61,648$0$561,450
67$704,511$9,493$0$567,725
68$719,458$0$0$576,724
69$734,136$0$0$587,841
70$748,463$0$0$599,183
71$762,344$0$0$610,150
72$775,672$0$0$620,657
73$788,331$0$0$630,605
74$800,188$0$0$639,888
75$811,094$0$0$648,383
76$820,886$0$0$655,957
77$829,378$0$0$662,459
78$836,367$0$0$667,720
79$841,624$0$0$671,556
80$844,896$0$0$673,759
81$845,900$0$0$674,098
82$844,324$0$0$672,317
83$839,819$0$0$668,133
84$832,000$0$0$661,230
85$820,439$0$0$651,259
86$804,661$0$0$637,833
87$784,141$0$0$620,521
88$758,297$0$0$598,849
89$726,482$0$0$572,289
90$687,984$0$0$540,260
91$642,012$0$0$502,117
92$587,692$0$0$457,145
93$524,058$0$0$404,556
94$450,041$0$0$343,478
95$364,458$0$0$272,947
96$266,004$0$0$191,895
97$153,236$0$0$99,146
98$24,558$0$0$0
99$0$0$0$0
100$0$0$0$0