Can I retire at age 52 with 434,000?

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 $434,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$35,839$35,520$35,209$34,905$34,608$33,567
2 years$17,742$17,412$17,092$16,781$16,480$15,440
3 years$11,711$11,379$11,059$10,752$10,456$9,449
4 years$8,695$8,365$8,048$7,746$7,457$6,492
5 years$6,887$6,558$6,246$5,950$5,669$4,748
6 years$5,681$5,355$5,048$4,758$4,485$3,609
7 years$4,821$4,497$4,195$3,912$3,648$2,816
8 years$4,176$3,855$3,557$3,282$3,026$2,239
9 years$3,674$3,356$3,064$2,795$2,549$1,805
10 years$3,273$2,959$2,671$2,409$2,171$1,470
11 years$2,945$2,634$2,352$2,097$1,868$1,207
12 years$2,672$2,364$2,087$1,839$1,618$998
13 years$2,441$2,136$1,865$1,624$1,411$829
14 years$2,244$1,942$1,675$1,441$1,237$691
15 years$2,072$1,774$1,513$1,286$1,089$579
16 years$1,923$1,628$1,371$1,151$963$486
17 years$1,791$1,499$1,248$1,034$854$409
18 years$1,674$1,385$1,139$932$759$345
19 years$1,569$1,284$1,043$842$676$291
20 years$1,475$1,193$957$763$604$246
21 years$1,390$1,111$880$692$541$208
22 years$1,313$1,037$811$629$485$176
23 years$1,242$970$749$573$435$150
24 years$1,178$909$693$523$391$127
25 years$1,119$853$642$477$352$108
26 years$1,064$802$595$437$317$92
27 years$1,014$754$553$400$286$78
28 years$967$711$514$366$258$66
29 years$924$671$478$336$233$56
30 years$883$633$445$308$210$48
31 years$846$599$415$283$190$41
32 years$810$566$387$260$172$35
33 years$777$536$362$239$156$29
34 years$746$508$338$220$141$25
35 years$717$482$316$203$128$21
36 years$689$458$296$187$116$18
37 years$663$435$277$172$105$15
38 years$639$413$259$158$95$13
39 years$615$393$243$146$86$11
40 years$593$374$228$135$78$10
41 years$572$356$213$124$71$8
42 years$553$339$200$115$64$7
43 years$534$323$188$106$58$6
44 years$516$308$176$98$53$5
45 years$499$293$165$90$48$4
46 years$482$280$155$83$44$4
47 years$467$267$146$77$40$3
48 years$452$255$137$71$36$3
49 years$437$244$129$66$33$2
50 years$424$233$121$61$30$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $434,000, adding $3,465 every year, while hoping to spend $30,013 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: 64/7/29 Blend
51$434,000$434,000$434,000$434,000
52$481,842$458,840$452,113$508,751
53$499,056$449,390$435,325$517,951
54$517,021$438,470$416,969$524,396
55$535,780$425,978$396,961$530,794
56$555,382$411,804$375,211$537,144
57$575,879$395,831$351,630$543,446
58$597,329$377,936$326,119$549,703
59$619,792$357,990$298,579$555,919
60$643,334$335,856$268,905$562,099
61$668,028$311,386$236,987$568,250
62$693,951$284,429$202,711$574,382
63$721,189$254,821$165,957$580,507
64$749,834$222,390$126,599$586,639
65$779,985$186,955$84,509$592,798
66$811,752$148,325$39,548$599,005
67$845,254$106,296$0$605,288
68$880,621$60,655$0$614,286
69$917,993$11,176$0$636,656
70$957,525$0$0$660,239
71$999,385$0$0$688,398
72$1,043,756$0$0$719,175
73$1,090,840$0$0$751,848
74$1,140,857$0$0$786,572
75$1,194,045$0$0$823,516
76$1,250,669$0$0$862,865
77$1,311,016$0$0$904,822
78$1,375,400$0$0$949,607
79$1,444,168$0$0$997,463
80$1,517,696$0$0$1,048,658
81$1,596,401$0$0$1,103,481
82$1,680,737$0$0$1,162,255
83$1,771,202$0$0$1,225,330
84$1,868,343$0$0$1,293,090
85$1,972,763$0$0$1,365,960
86$2,085,119$0$0$1,444,403
87$2,206,137$0$0$1,528,929
88$2,336,611$0$0$1,620,098
89$2,477,415$0$0$1,718,527
90$2,629,508$0$0$1,824,890
91$2,793,946$0$0$1,939,931
92$2,971,889$0$0$2,064,467
93$3,164,609$0$0$2,199,395
94$3,373,509$0$0$2,345,703
95$3,600,129$0$0$2,504,476
96$3,846,164$0$0$2,676,909
97$4,113,477$0$0$2,864,314
98$4,404,119$0$0$3,068,138
99$4,720,345$0$0$3,289,969
100$5,064,637$0$0$3,531,556