Can I retire at age 52 with 443,000?

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 $443,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$36,583$36,257$35,939$35,628$35,325$34,913
2 years$18,110$17,773$17,446$17,129$16,822$16,406
3 years$11,954$11,615$11,289$10,975$10,672$10,267
4 years$8,876$8,538$8,215$7,907$7,612$7,220
5 years$7,030$6,694$6,375$6,073$5,786$5,409
6 years$5,799$5,466$5,152$4,857$4,578$4,216
7 years$4,921$4,590$4,282$3,993$3,723$3,376
8 years$4,262$3,935$3,631$3,350$3,089$2,757
9 years$3,750$3,426$3,127$2,853$2,601$2,284
10 years$3,341$3,020$2,727$2,459$2,217$1,914
11 years$3,006$2,688$2,400$2,140$1,906$1,618
12 years$2,728$2,413$2,130$1,877$1,652$1,378
13 years$2,492$2,181$1,903$1,657$1,441$1,180
14 years$2,290$1,982$1,710$1,471$1,263$1,016
15 years$2,115$1,811$1,544$1,312$1,112$878
16 years$1,963$1,661$1,400$1,175$983$761
17 years$1,828$1,530$1,274$1,056$871$662
18 years$1,708$1,414$1,163$951$775$577
19 years$1,602$1,310$1,065$860$691$504
20 years$1,506$1,218$977$779$617$442
21 years$1,419$1,134$899$707$552$387
22 years$1,340$1,059$828$642$495$340
23 years$1,268$990$765$585$444$299
24 years$1,203$928$707$534$399$263
25 years$1,142$871$655$487$359$231
26 years$1,086$818$608$446$324$204
27 years$1,035$770$564$408$292$180
28 years$987$726$524$374$263$159
29 years$943$685$488$343$238$140
30 years$902$646$455$315$215$124
31 years$863$611$424$289$194$109
32 years$827$578$395$265$176$97
33 years$793$548$369$244$159$86
34 years$762$519$345$225$144$76
35 years$732$492$323$207$130$67
36 years$704$467$302$190$118$59
37 years$677$444$282$175$107$52
38 years$652$422$264$162$97$46
39 years$628$401$248$149$88$41
40 years$606$382$232$138$80$36
41 years$584$363$218$127$72$32
42 years$564$346$204$117$66$29
43 years$545$330$192$108$60$25
44 years$526$314$180$100$54$22
45 years$509$300$169$92$49$20
46 years$492$286$159$85$45$18
47 years$476$273$149$79$41$16
48 years$461$260$140$73$37$14
49 years$446$249$132$67$33$12
50 years$433$237$124$62$30$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $443,000, adding $5,650 every year, while hoping to spend $26,981 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: 77/5/18 Blend
51$443,000$443,000$443,000$443,000
52$494,014$470,535$463,668$529,619
53$515,696$464,884$450,494$548,275
54$538,685$458,051$435,973$564,801
55$563,086$449,951$420,034$582,198
56$589,014$440,492$402,598$600,543
57$616,594$429,577$383,586$619,923
58$645,964$417,103$362,913$640,433
59$677,273$402,962$340,492$662,180
60$710,687$387,039$316,230$685,279
61$746,385$369,212$290,032$709,859
62$784,566$349,353$261,798$736,064
63$825,446$327,325$231,422$764,050
64$869,262$302,985$198,795$793,991
65$916,275$276,180$163,803$826,079
66$966,772$246,749$126,328$860,526
67$1,021,066$214,523$86,243$897,568
68$1,079,503$179,323$43,420$937,462
69$1,142,460$140,957$0$980,495
70$1,210,353$99,226$0$1,027,421
71$1,283,639$53,918$0$1,087,080
72$1,362,820$4,810$0$1,151,536
73$1,448,447$0$0$1,221,245
74$1,541,127$0$0$1,299,368
75$1,641,526$0$0$1,384,298
76$1,750,376$0$0$1,476,391
77$1,868,484$0$0$1,576,330
78$1,996,735$0$0$1,684,868
79$2,136,104$0$0$1,802,831
80$2,287,663$0$0$1,931,128
81$2,452,592$0$0$2,070,761
82$2,632,189$0$0$2,222,830
83$2,827,882$0$0$2,388,546
84$3,041,243$0$0$2,569,244
85$3,274,001$0$0$2,766,391
86$3,528,062$0$0$2,981,601
87$3,805,519$0$0$3,216,654
88$4,108,682$0$0$3,473,507
89$4,440,090$0$0$3,754,314
90$4,802,540$0$0$4,061,449
91$5,199,111$0$0$4,397,524
92$5,633,193$0$0$4,765,415
93$6,108,521$0$0$5,168,290
94$6,629,205$0$0$5,609,638
95$7,199,774$0$0$6,093,301
96$7,825,215$0$0$6,623,508
97$8,511,018$0$0$7,204,920
98$9,263,235$0$0$7,842,670
99$10,088,526$0$0$8,542,409
100$10,994,231$0$0$9,310,366