Can I retire at age 52 with 451,000?

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 $451,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$37,243$36,911$36,588$36,272$35,963$34,674
2 years$18,437$18,094$17,761$17,438$17,125$15,840
3 years$12,169$11,825$11,493$11,173$10,865$9,624
4 years$9,036$8,692$8,364$8,049$7,749$6,562
5 years$7,157$6,815$6,491$6,183$5,891$4,761
6 years$5,904$5,565$5,245$4,944$4,661$3,590
7 years$5,010$4,673$4,359$4,065$3,791$2,777
8 years$4,339$4,006$3,697$3,410$3,145$2,188
9 years$3,818$3,488$3,184$2,905$2,648$1,748
10 years$3,401$3,074$2,776$2,504$2,257$1,410
11 years$3,061$2,737$2,444$2,179$1,941$1,147
12 years$2,777$2,457$2,169$1,911$1,682$938
13 years$2,537$2,220$1,938$1,687$1,467$772
14 years$2,331$2,018$1,741$1,498$1,286$637
15 years$2,154$1,843$1,572$1,336$1,132$528
16 years$1,998$1,691$1,425$1,196$1,000$438
17 years$1,861$1,558$1,297$1,075$887$365
18 years$1,739$1,439$1,184$969$789$304
19 years$1,631$1,334$1,084$875$703$254
20 years$1,533$1,240$995$793$628$212
21 years$1,444$1,155$915$719$562$178
22 years$1,364$1,078$843$654$504$149
23 years$1,291$1,008$779$596$452$125
24 years$1,224$944$720$543$406$104
25 years$1,163$886$667$496$366$88
26 years$1,106$833$618$454$329$74
27 years$1,054$784$574$415$297$62
28 years$1,005$739$534$380$268$52
29 years$960$697$497$349$242$44
30 years$918$658$463$320$219$37
31 years$879$622$431$294$198$31
32 years$842$589$403$270$179$26
33 years$808$557$376$249$162$22
34 years$775$528$351$229$147$18
35 years$745$501$328$210$133$15
36 years$716$476$307$194$120$13
37 years$689$452$287$179$109$11
38 years$664$429$269$165$99$9
39 years$640$408$252$152$90$8
40 years$617$388$236$140$81$6
41 years$595$370$222$129$74$5
42 years$574$352$208$119$67$5
43 years$555$336$195$110$61$4
44 years$536$320$183$102$55$3
45 years$518$305$172$94$50$3
46 years$501$291$162$87$45$2
47 years$485$278$152$80$41$2
48 years$469$265$143$74$37$2
49 years$455$253$134$68$34$1
50 years$440$242$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 $451,000, adding $5,352 every year, while hoping to spend $27,886 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: 23/49/28 Blend
51$451,000$451,000$451,000$451,000
52$502,523$478,620$471,629$509,551
53$524,109$472,401$457,758$509,813
54$546,963$464,944$442,488$507,406
55$571,185$456,157$425,742$504,238
56$596,882$445,945$407,441$500,262
57$624,174$434,207$387,501$495,435
58$653,193$420,836$365,835$489,707
59$684,080$405,718$342,351$483,031
60$716,991$388,734$316,956$475,358
61$752,098$369,756$289,548$466,636
62$789,589$348,650$260,024$456,814
63$829,668$325,275$228,276$445,841
64$872,560$299,480$194,189$433,662
65$918,513$271,106$157,646$420,224
66$967,797$239,986$118,523$405,476
67$1,020,709$205,942$76,691$389,362
68$1,077,576$168,788$32,014$371,831
69$1,138,755$128,324$0$352,831
70$1,204,639$84,343$0$336,992
71$1,275,659$36,623$0$330,096
72$1,352,290$0$0$322,569
73$1,435,053$0$0$322,541
74$1,524,520$0$0$343,920
75$1,621,319$0$0$367,117
76$1,726,144$0$0$392,305
77$1,839,753$0$0$419,676
78$1,962,982$0$0$449,442
79$2,096,752$0$0$481,832
80$2,242,073$0$0$517,102
81$2,400,057$0$0$555,533
82$2,571,928$0$0$597,433
83$2,759,033$0$0$643,141
84$2,962,853$0$0$693,032
85$3,185,018$0$0$747,517
86$3,427,322$0$0$807,049
87$3,691,741$0$0$872,127
88$3,980,447$0$0$943,300
89$4,295,834$0$0$1,021,172
90$4,640,536$0$0$1,106,409
91$5,017,453$0$0$1,199,744
92$5,429,779$0$0$1,301,985
93$5,881,029$0$0$1,414,020
94$6,375,075$0$0$1,536,828
95$6,916,180$0$0$1,671,489
96$7,509,040$0$0$1,819,188
97$8,158,825$0$0$1,981,235
98$8,871,230$0$0$2,159,070
99$9,652,527$0$0$2,354,280
100$10,509,623$0$0$2,568,614