Can I retire at age 52 with 440,000?

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 $440,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$36,335$36,011$35,695$35,387$35,086$34,477
2 years$17,988$17,653$17,328$17,013$16,708$16,096
3 years$11,873$11,536$11,212$10,900$10,600$10,004
4 years$8,816$8,480$8,160$7,853$7,560$6,985
5 years$6,982$6,649$6,332$6,032$5,747$5,195
6 years$5,760$5,429$5,117$4,824$4,547$4,019
7 years$4,887$4,559$4,253$3,966$3,698$3,193
8 years$4,233$3,908$3,607$3,327$3,068$2,586
9 years$3,725$3,403$3,106$2,834$2,584$2,125
10 years$3,318$2,999$2,708$2,443$2,201$1,766
11 years$2,986$2,670$2,384$2,126$1,893$1,480
12 years$2,709$2,397$2,116$1,865$1,641$1,249
13 years$2,475$2,166$1,890$1,646$1,431$1,060
14 years$2,275$1,969$1,699$1,461$1,254$904
15 years$2,101$1,798$1,534$1,303$1,104$774
16 years$1,949$1,650$1,390$1,167$976$664
17 years$1,816$1,520$1,265$1,049$865$572
18 years$1,697$1,404$1,155$945$769$494
19 years$1,591$1,301$1,057$854$686$427
20 years$1,495$1,209$970$773$613$370
21 years$1,409$1,126$893$702$548$321
22 years$1,331$1,051$823$638$491$279
23 years$1,260$983$760$581$441$242
24 years$1,194$921$702$530$396$211
25 years$1,134$865$651$484$357$184
26 years$1,079$813$603$443$321$160
27 years$1,028$765$560$405$290$140
28 years$981$721$521$371$261$122
29 years$937$680$485$340$236$106
30 years$896$642$452$312$213$93
31 years$857$607$421$287$193$81
32 years$822$574$393$264$174$71
33 years$788$544$367$242$158$62
34 years$756$515$343$223$143$54
35 years$727$489$320$205$129$47
36 years$699$464$300$189$117$41
37 years$672$441$280$174$106$36
38 years$648$419$263$161$96$32
39 years$624$398$246$148$87$28
40 years$602$379$231$137$79$24
41 years$580$361$216$126$72$21
42 years$560$344$203$116$65$19
43 years$541$327$190$107$59$16
44 years$523$312$179$99$54$14
45 years$505$298$168$92$49$12
46 years$489$284$158$85$44$11
47 years$473$271$148$78$40$10
48 years$458$259$139$72$37$8
49 years$443$247$131$67$33$7
50 years$430$236$123$62$30$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $440,000, adding $6,779 every year, while hoping to spend $24,908 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: 63/26/11 Blend
51$440,000$440,000$440,000$440,000
52$491,873$468,553$461,733$521,208
53$515,542$465,010$450,699$538,123
54$540,790$460,458$438,460$553,086
55$567,753$454,823$424,951$568,802
56$596,578$448,023$410,101$585,343
57$627,426$439,974$393,837$602,790
58$660,476$430,586$376,083$621,232
59$695,923$419,762$356,760$640,771
60$733,979$407,403$335,783$661,518
61$774,880$393,400$313,067$683,596
62$818,883$377,642$288,520$707,143
63$866,271$360,008$262,047$732,312
64$917,353$340,372$233,549$759,273
65$972,472$318,599$202,921$788,215
66$1,032,002$294,548$170,057$819,346
67$1,096,355$268,069$134,842$852,899
68$1,165,983$239,004$97,159$889,132
69$1,241,383$207,186$56,884$928,330
70$1,323,104$172,437$13,889$970,810
71$1,411,745$134,571$0$1,016,925
72$1,507,969$93,391$0$1,070,818
73$1,612,503$48,689$0$1,131,149
74$1,726,147$243$0$1,196,783
75$1,849,781$0$0$1,268,268
76$1,984,375$0$0$1,361,136
77$2,130,993$0$0$1,462,407
78$2,290,810$0$0$1,572,824
79$2,465,114$0$0$1,693,282
80$2,655,329$0$0$1,824,769
81$2,863,016$0$0$1,968,368
82$3,089,898$0$0$2,125,275
83$3,337,870$0$0$2,296,804
84$3,609,018$0$0$2,484,405
85$3,905,640$0$0$2,689,670
86$4,230,265$0$0$2,914,356
87$4,585,679$0$0$3,160,395
88$4,974,949$0$0$3,429,917
89$5,401,453$0$0$3,725,266
90$5,868,910$0$0$4,049,023
91$6,381,418$0$0$4,404,033
92$6,943,489$0$0$4,793,427
93$7,560,093$0$0$5,220,655
94$8,236,704$0$0$5,689,516
95$8,979,353$0$0$6,204,197
96$9,794,680$0$0$6,769,307
97$10,690,003$0$0$7,389,925
98$11,673,381$0$0$8,071,646
99$12,753,693$0$0$8,820,633
100$13,940,720$0$0$9,643,676