Can I retire at age 52 with 466,000?

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 $466,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$38,482$38,139$37,805$37,478$37,159$36,232
2 years$19,050$18,696$18,352$18,018$17,695$16,766
3 years$12,574$12,218$11,875$11,545$11,226$10,326
4 years$9,337$8,981$8,642$8,317$8,007$7,141
5 years$7,395$7,042$6,706$6,388$6,087$5,258
6 years$6,100$5,750$5,420$5,109$4,816$4,026
7 years$5,176$4,829$4,504$4,200$3,917$3,165
8 years$4,484$4,139$3,820$3,524$3,249$2,535
9 years$3,945$3,604$3,290$3,001$2,736$2,059
10 years$3,514$3,177$2,868$2,587$2,332$1,691
11 years$3,162$2,828$2,525$2,252$2,005$1,400
12 years$2,869$2,538$2,241$1,975$1,738$1,167
13 years$2,621$2,294$2,002$1,744$1,515$978
14 years$2,409$2,085$1,799$1,548$1,328$823
15 years$2,225$1,905$1,624$1,380$1,170$696
16 years$2,065$1,748$1,473$1,236$1,034$589
17 years$1,923$1,609$1,340$1,110$917$501
18 years$1,797$1,487$1,223$1,001$815$426
19 years$1,685$1,378$1,120$904$726$363
20 years$1,584$1,281$1,028$819$649$310
21 years$1,493$1,193$945$743$581$265
22 years$1,410$1,114$871$676$520$227
23 years$1,334$1,042$804$615$467$195
24 years$1,265$976$744$561$420$167
25 years$1,201$916$689$513$378$143
26 years$1,143$861$639$469$340$123
27 years$1,089$810$593$429$307$105
28 years$1,039$763$552$393$277$91
29 years$992$720$513$360$250$78
30 years$949$680$478$331$226$67
31 years$908$643$446$304$204$58
32 years$870$608$416$279$185$50
33 years$835$576$388$257$167$43
34 years$801$546$363$236$151$37
35 years$770$518$339$217$137$32
36 years$740$491$317$200$124$27
37 years$712$467$297$185$113$23
38 years$686$444$278$170$102$20
39 years$661$422$261$157$93$17
40 years$637$401$244$145$84$15
41 years$615$382$229$133$76$13
42 years$593$364$215$123$69$11
43 years$573$347$202$114$63$10
44 years$554$330$189$105$57$8
45 years$535$315$178$97$52$7
46 years$518$301$167$90$47$6
47 years$501$287$157$83$43$5
48 years$485$274$147$76$39$5
49 years$470$262$138$71$35$4
50 years$455$250$130$65$32$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $466,000, adding $4,007 every year, while hoping to spend $36,659 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: 67/26/7 Blend
51$466,000$466,000$466,000$466,000
52$517,665$492,967$485,744$551,461
53$531,462$478,118$463,012$559,552
54$545,438$461,312$438,289$563,601
55$559,572$442,415$411,471$567,048
56$573,840$421,285$382,447$569,830
57$588,215$397,772$351,102$571,875
58$602,665$371,715$317,317$573,109
59$617,154$342,947$280,964$573,451
60$631,642$311,289$241,915$572,812
61$646,081$276,553$200,030$571,096
62$660,417$238,541$155,167$568,199
63$674,592$197,042$107,178$564,011
64$688,537$151,834$55,905$558,407
65$702,177$102,682$1,187$551,258
66$715,425$49,340$0$542,419
67$728,186$0$0$536,010
68$740,351$0$0$530,379
69$751,801$0$0$538,321
70$762,401$0$0$545,620
71$772,000$0$0$552,162
72$780,431$0$0$557,826
73$787,508$0$0$562,471
74$793,021$0$0$565,944
75$796,741$0$0$568,073
76$798,408$0$0$568,669
77$797,739$0$0$567,518
78$794,415$0$0$564,387
79$788,084$0$0$559,015
80$778,355$0$0$551,112
81$764,796$0$0$540,358
82$746,925$0$0$526,397
83$724,212$0$0$508,836
84$696,066$0$0$487,240
85$661,836$0$0$461,126
86$620,800$0$0$429,960
87$572,159$0$0$393,151
88$515,029$0$0$350,048
89$448,435$0$0$299,927
90$371,296$0$0$241,990
91$282,417$0$0$175,354
92$180,480$0$0$99,046
93$64,028$0$0$11,986
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0