Can I retire at age 52 with 450,000?

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 $450,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$37,161$36,830$36,507$36,191$35,884$35,613
2 years$18,396$18,054$17,722$17,400$17,087$16,814
3 years$12,142$11,798$11,467$11,148$10,841$10,574
4 years$9,016$8,673$8,345$8,032$7,732$7,473
5 years$7,141$6,800$6,476$6,169$5,878$5,628
6 years$5,891$5,552$5,234$4,933$4,651$4,411
7 years$4,999$4,663$4,349$4,056$3,782$3,552
8 years$4,330$3,997$3,688$3,403$3,138$2,917
9 years$3,810$3,480$3,177$2,898$2,642$2,431
10 years$3,394$3,068$2,770$2,498$2,252$2,049
11 years$3,054$2,731$2,438$2,174$1,936$1,743
12 years$2,771$2,451$2,164$1,907$1,678$1,494
13 years$2,531$2,215$1,933$1,684$1,463$1,288
14 years$2,326$2,013$1,737$1,495$1,283$1,116
15 years$2,149$1,839$1,568$1,333$1,129$971
16 years$1,994$1,688$1,422$1,193$998$848
17 years$1,857$1,554$1,294$1,072$885$742
18 years$1,735$1,436$1,181$966$787$652
19 years$1,627$1,331$1,081$873$701$574
20 years$1,529$1,237$992$791$627$506
21 years$1,441$1,152$913$718$561$447
22 years$1,361$1,075$841$653$503$395
23 years$1,288$1,006$777$594$451$350
24 years$1,222$942$718$542$405$310
25 years$1,160$884$665$495$365$275
26 years$1,104$831$617$453$329$245
27 years$1,051$782$573$414$296$218
28 years$1,003$737$533$380$267$193
29 years$958$695$496$348$241$172
30 years$916$657$462$319$218$153
31 years$877$621$430$293$197$137
32 years$840$587$402$270$178$122
33 years$806$556$375$248$161$109
34 years$774$527$350$228$146$97
35 years$743$500$328$210$132$86
36 years$715$475$306$193$120$77
37 years$688$451$287$178$109$69
38 years$662$428$269$164$99$62
39 years$638$407$252$151$89$55
40 years$615$388$236$140$81$49
41 years$594$369$221$129$74$44
42 years$573$351$207$119$67$39
43 years$553$335$195$110$61$35
44 years$535$319$183$101$55$31
45 years$517$304$172$94$50$28
46 years$500$290$161$86$45$25
47 years$484$277$151$80$41$22
48 years$468$264$142$74$37$20
49 years$454$253$134$68$34$18
50 years$439$241$126$63$31$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $450,000, adding $6,827 every year, while hoping to spend $28,219 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: 69/9/22 Blend
51$450,000$450,000$450,000$450,000
52$502,942$479,092$472,117$534,425
53$524,217$472,543$457,908$549,799
54$546,717$464,727$442,278$562,693
55$570,536$455,552$425,148$576,123
56$595,778$444,922$406,438$590,142
57$622,557$432,733$386,063$604,806
58$650,997$418,875$363,935$620,179
59$681,233$403,235$339,961$636,333
60$713,414$385,688$314,045$653,348
61$747,702$366,107$286,086$671,311
62$784,276$344,354$255,977$690,321
63$823,329$320,285$223,610$710,487
64$865,077$293,747$188,869$731,933
65$909,753$264,579$151,634$754,793
66$957,613$232,609$111,779$779,217
67$1,008,939$197,656$69,174$805,374
68$1,064,041$159,532$23,681$833,449
69$1,123,257$118,033$0$863,649
70$1,186,960$72,947$0$902,041
71$1,255,558$24,049$0$949,352
72$1,329,500$0$0$1,000,338
73$1,409,280$0$0$1,058,210
74$1,495,438$0$0$1,123,302
75$1,588,571$0$0$1,193,683
76$1,689,331$0$0$1,269,851
77$1,798,440$0$0$1,352,353
78$1,916,686$0$0$1,441,788
79$2,044,940$0$0$1,538,817
80$2,184,157$0$0$1,644,168
81$2,335,390$0$0$1,758,638
82$2,499,794$0$0$1,883,108
83$2,678,643$0$0$2,018,544
84$2,873,336$0$0$2,166,010
85$3,085,414$0$0$2,326,678
86$3,316,573$0$0$2,501,835
87$3,568,678$0$0$2,692,900
88$3,843,783$0$0$2,901,434
89$4,144,148$0$0$3,129,154
90$4,472,262$0$0$3,377,953
91$4,830,864$0$0$3,649,913
92$5,222,970$0$0$3,947,326
93$5,651,901$0$0$4,272,717
94$6,121,312$0$0$4,628,864
95$6,635,230$0$0$5,018,829
96$7,198,089$0$0$5,445,982
97$7,814,770$0$0$5,914,034
98$8,490,651$0$0$6,427,073
99$9,231,652$0$0$6,989,601
100$10,044,297$0$0$7,606,576