Can I retire at age 52 with 459,000?

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 $459,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$37,904$37,566$37,237$36,915$36,601$35,572
2 years$18,764$18,415$18,076$17,748$17,429$16,400
3 years$12,385$12,034$11,696$11,371$11,058$10,061
4 years$9,196$8,846$8,512$8,192$7,887$6,930
5 years$7,284$6,936$6,606$6,292$5,995$5,081
6 years$6,009$5,664$5,338$5,032$4,744$3,873
7 years$5,099$4,756$4,436$4,137$3,858$3,031
8 years$4,416$4,077$3,762$3,471$3,201$2,417
9 years$3,886$3,550$3,240$2,956$2,695$1,954
10 years$3,462$3,129$2,825$2,548$2,297$1,596
11 years$3,115$2,785$2,487$2,218$1,975$1,315
12 years$2,826$2,500$2,207$1,945$1,712$1,090
13 years$2,582$2,259$1,972$1,717$1,493$909
14 years$2,373$2,054$1,772$1,524$1,308$761
15 years$2,192$1,876$1,600$1,360$1,152$639
16 years$2,034$1,721$1,450$1,217$1,018$539
17 years$1,894$1,585$1,320$1,094$903$455
18 years$1,770$1,465$1,205$986$803$385
19 years$1,659$1,358$1,103$891$715$326
20 years$1,560$1,262$1,012$807$639$277
21 years$1,470$1,175$931$732$572$235
22 years$1,388$1,097$858$666$513$200
23 years$1,314$1,026$792$606$460$170
24 years$1,246$961$733$553$414$145
25 years$1,183$902$679$505$372$124
26 years$1,126$848$629$462$335$106
27 years$1,072$798$585$423$302$90
28 years$1,023$752$543$387$273$77
29 years$977$709$506$355$246$66
30 years$934$670$471$326$223$56
31 years$894$633$439$299$201$48
32 years$857$599$410$275$182$41
33 years$822$567$383$253$165$35
34 years$789$538$357$233$149$30
35 years$758$510$334$214$135$26
36 years$729$484$313$197$122$22
37 years$701$460$293$182$111$19
38 years$675$437$274$168$101$16
39 years$651$416$257$154$91$14
40 years$628$395$241$142$83$12
41 years$605$376$226$131$75$10
42 years$584$358$212$121$68$9
43 years$564$341$199$112$62$7
44 years$545$325$186$103$56$6
45 years$527$310$175$96$51$5
46 years$510$296$164$88$46$5
47 years$493$283$154$82$42$4
48 years$478$270$145$75$38$3
49 years$463$258$136$70$35$3
50 years$448$246$128$64$31$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $459,000, adding $6,004 every year, while hoping to spend $24,322 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: 74/6/20 Blend
51$459,000$459,000$459,000$459,000
52$512,011$487,684$480,570$547,036
53$538,358$485,702$470,790$569,105
54$566,577$482,808$459,868$589,747
55$596,833$478,931$447,739$611,741
56$629,308$473,997$434,337$635,217
57$664,201$467,926$419,591$660,317
58$701,731$460,636$403,428$687,200
59$742,136$452,036$385,771$716,040
60$785,681$442,032$366,542$747,030
61$832,654$430,526$345,655$780,380
62$883,374$417,411$323,024$816,327
63$938,190$402,576$298,557$855,129
64$997,486$385,902$272,159$897,072
65$1,061,683$367,265$243,729$942,472
66$1,131,246$346,532$213,165$991,677
67$1,206,684$323,563$180,357$1,045,072
68$1,288,558$298,210$145,192$1,103,081
69$1,377,485$270,317$107,550$1,166,174
70$1,474,144$239,718$67,309$1,234,868
71$1,579,282$206,239$24,338$1,309,733
72$1,693,718$169,694$0$1,391,401
73$1,818,358$129,890$0$1,485,159
74$1,954,195$86,619$0$1,593,024
75$2,102,324$39,664$0$1,710,675
76$2,263,949$0$0$1,839,079
77$2,440,397$0$0$1,980,043
78$2,633,126$0$0$2,136,893
79$2,843,743$0$0$2,308,321
80$3,074,018$0$0$2,495,768
81$3,325,898$0$0$2,700,824
82$3,601,526$0$0$2,925,235
83$3,903,265$0$0$3,170,927
84$4,233,715$0$0$3,440,021
85$4,595,738$0$0$3,734,850
86$4,992,488$0$0$4,057,986
87$5,427,439$0$0$4,412,261
88$5,904,414$0$0$4,800,793
89$6,427,627$0$0$5,227,018
90$7,001,719$0$0$5,694,718
91$7,631,799$0$0$6,208,063
92$8,323,499$0$0$6,771,641
93$9,083,020$0$0$7,390,511
94$9,917,194$0$0$8,070,243
95$10,833,546$0$0$8,816,973
96$11,840,366$0$0$9,637,462
97$12,946,790$0$0$10,539,157
98$14,162,878$0$0$11,530,264
99$15,499,715$0$0$12,619,821
100$16,969,515$0$0$13,817,787