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%19.2%
1 years$37,161$36,830$36,507$36,191$35,884$34,555
2 years$18,396$18,054$17,722$17,400$17,087$15,764
3 years$12,142$11,798$11,467$11,148$10,841$9,565
4 years$9,016$8,673$8,345$8,032$7,732$6,512
5 years$7,141$6,800$6,476$6,169$5,878$4,717
6 years$5,891$5,552$5,234$4,933$4,651$3,551
7 years$4,999$4,663$4,349$4,056$3,782$2,742
8 years$4,330$3,997$3,688$3,403$3,138$2,157
9 years$3,810$3,480$3,177$2,898$2,642$1,720
10 years$3,394$3,068$2,770$2,498$2,252$1,385
11 years$3,054$2,731$2,438$2,174$1,936$1,124
12 years$2,771$2,451$2,164$1,907$1,678$918
13 years$2,531$2,215$1,933$1,684$1,463$753
14 years$2,326$2,013$1,737$1,495$1,283$621
15 years$2,149$1,839$1,568$1,333$1,129$513
16 years$1,994$1,688$1,422$1,193$998$425
17 years$1,857$1,554$1,294$1,072$885$353
18 years$1,735$1,436$1,181$966$787$294
19 years$1,627$1,331$1,081$873$701$245
20 years$1,529$1,237$992$791$627$204
21 years$1,441$1,152$913$718$561$170
22 years$1,361$1,075$841$653$503$142
23 years$1,288$1,006$777$594$451$119
24 years$1,222$942$718$542$405$99
25 years$1,160$884$665$495$365$83
26 years$1,104$831$617$453$329$70
27 years$1,051$782$573$414$296$58
28 years$1,003$737$533$380$267$49
29 years$958$695$496$348$241$41
30 years$916$657$462$319$218$34
31 years$877$621$430$293$197$29
32 years$840$587$402$270$178$24
33 years$806$556$375$248$161$20
34 years$774$527$350$228$146$17
35 years$743$500$328$210$132$14
36 years$715$475$306$193$120$12
37 years$688$451$287$178$109$10
38 years$662$428$269$164$99$8
39 years$638$407$252$151$89$7
40 years$615$388$236$140$81$6
41 years$594$369$221$129$74$5
42 years$573$351$207$119$67$4
43 years$553$335$195$110$61$3
44 years$535$319$183$101$55$3
45 years$517$304$172$94$50$2
46 years$500$290$161$86$45$2
47 years$484$277$151$80$41$2
48 years$468$264$142$74$37$1
49 years$454$253$134$68$34$1
50 years$439$241$126$63$31$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $450,000, adding $6,447 every year, while hoping to spend $26,964 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: 61/32/7 Blend
51$450,000$450,000$450,000$450,000
52$502,550$478,700$471,725$532,108
53$525,121$473,467$458,838$547,427
54$549,090$467,074$444,616$560,437
55$574,572$459,435$428,986$573,946
56$601,691$450,460$411,870$588,003
57$630,585$440,054$393,188$602,660
58$661,402$428,115$372,858$617,980
59$694,308$414,535$350,792$634,030
60$729,482$399,202$326,898$650,886
61$767,121$381,994$301,080$668,634
62$807,440$362,785$273,240$687,368
63$850,678$341,440$243,272$707,196
64$897,093$317,817$211,068$728,236
65$946,971$291,765$176,513$750,623
66$1,000,626$263,125$139,491$774,504
67$1,058,402$231,730$99,875$800,045
68$1,120,675$197,401$57,537$827,432
69$1,187,861$159,951$12,342$856,870
70$1,260,416$119,181$0$888,590
71$1,338,840$74,883$0$925,528
72$1,423,684$26,834$0$966,445
73$1,515,553$0$0$1,010,748
74$1,615,112$0$0$1,067,674
75$1,723,093$0$0$1,139,693
76$1,840,301$0$0$1,217,896
77$1,967,619$0$0$1,302,877
78$2,106,021$0$0$1,395,290
79$2,256,577$0$0$1,495,854
80$2,420,467$0$0$1,605,360
81$2,598,985$0$0$1,724,680
82$2,793,559$0$0$1,854,770
83$3,005,757$0$0$1,996,686
84$3,237,308$0$0$2,151,588
85$3,490,114$0$0$2,320,755
86$3,766,268$0$0$2,505,592
87$4,068,075$0$0$2,707,648
88$4,398,072$0$0$2,928,628
89$4,759,053$0$0$3,170,410
90$5,154,094$0$0$3,435,060
91$5,586,582$0$0$3,724,854
92$6,060,248$0$0$4,042,298
93$6,579,197$0$0$4,390,154
94$7,147,955$0$0$4,771,460
95$7,771,503$0$0$5,189,565
96$8,455,329$0$0$5,648,156
97$9,205,475$0$0$6,151,296
98$10,028,599$0$0$6,703,457
99$10,932,033$0$0$7,309,567
100$11,923,853$0$0$7,975,055