Can I retire at age 55 with 452,000?

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 $452,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$37,326$36,993$36,669$36,352$36,043$35,667
2 years$18,478$18,134$17,800$17,477$17,163$16,784
3 years$12,196$11,851$11,518$11,198$10,889$10,519
4 years$9,056$8,712$8,382$8,067$7,766$7,408
5 years$7,172$6,830$6,505$6,196$5,904$5,559
6 years$5,917$5,577$5,257$4,955$4,671$4,340
7 years$5,021$4,684$4,369$4,074$3,799$3,481
8 years$4,349$4,015$3,705$3,418$3,152$2,847
9 years$3,826$3,496$3,191$2,911$2,654$2,363
10 years$3,409$3,081$2,782$2,509$2,262$1,984
11 years$3,067$2,743$2,449$2,184$1,945$1,680
12 years$2,783$2,462$2,174$1,916$1,685$1,434
13 years$2,543$2,225$1,942$1,691$1,470$1,230
14 years$2,337$2,022$1,745$1,501$1,288$1,061
15 years$2,158$1,847$1,575$1,339$1,134$919
16 years$2,003$1,695$1,428$1,199$1,003$799
17 years$1,865$1,561$1,300$1,077$889$696
18 years$1,743$1,442$1,186$971$790$608
19 years$1,634$1,337$1,086$877$705$532
20 years$1,536$1,242$997$794$629$467
21 years$1,448$1,157$917$721$563$410
22 years$1,367$1,080$845$656$505$361
23 years$1,294$1,010$780$597$453$318
24 years$1,227$947$722$544$407$281
25 years$1,165$888$668$497$366$248
26 years$1,109$835$620$455$330$219
27 years$1,056$786$576$416$298$193
28 years$1,007$740$535$381$269$171
29 years$962$698$498$350$243$151
30 years$920$660$464$321$219$134
31 years$881$624$432$295$198$119
32 years$844$590$403$271$179$105
33 years$809$559$377$249$162$93
34 years$777$530$352$229$147$83
35 years$747$502$329$211$133$73
36 years$718$477$308$194$120$65
37 years$691$453$288$179$109$58
38 years$665$430$270$165$99$51
39 years$641$409$253$152$90$46
40 years$618$389$237$140$81$40
41 years$596$371$222$129$74$36
42 years$575$353$208$119$67$32
43 years$556$336$196$110$61$28
44 years$537$321$184$102$55$25
45 years$519$306$172$94$50$22
46 years$502$292$162$87$46$20
47 years$486$278$152$80$41$18
48 years$470$266$143$74$38$16
49 years$456$254$134$69$34$14
50 years$441$242$126$63$31$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 55 starting with $452,000, adding $3,804 every year, while hoping to spend $23,945 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: 53/33/14 Blend
54$452,000$452,000$452,000$452,000
55$502,028$478,072$471,066$526,573
56$527,757$476,020$461,369$541,690
57$555,309$473,065$450,545$555,253
58$584,843$469,138$438,531$569,467
59$616,535$464,164$425,260$584,399
60$650,579$458,066$410,664$600,126
61$687,188$450,760$394,670$616,732
62$726,593$442,159$377,204$634,313
63$769,050$432,170$358,186$652,973
64$814,842$420,695$337,533$672,832
65$864,275$407,629$315,160$694,021
66$917,690$392,861$290,977$716,687
67$975,459$376,276$264,889$740,993
68$1,037,991$357,749$236,798$767,123
69$1,105,738$337,150$206,602$795,278
70$1,179,193$314,340$174,193$825,685
71$1,258,902$289,174$139,460$858,595
72$1,345,463$261,497$102,285$894,288
73$1,439,536$231,145$62,547$933,075
74$1,541,844$197,947$20,118$975,299
75$1,653,185$161,719$0$1,021,345
76$1,774,436$122,270$0$1,075,398
77$1,906,562$79,395$0$1,137,621
78$2,050,626$32,880$0$1,205,554
79$2,207,797$0$0$1,279,800
80$2,379,361$0$0$1,367,382
81$2,566,736$0$0$1,476,118
82$2,771,480$0$0$1,594,976
83$2,995,311$0$0$1,724,959
84$3,240,118$0$0$1,867,170
85$3,507,983$0$0$2,022,824
86$3,801,198$0$0$2,193,258
87$4,122,285$0$0$2,379,946
88$4,474,025$0$0$2,584,510
89$4,859,477$0$0$2,808,736
90$5,282,011$0$0$3,054,593
91$5,745,341$0$0$3,324,247
92$6,253,554$0$0$3,620,086
93$6,811,153$0$0$3,944,738
94$7,423,100$0$0$4,301,100
95$8,094,857$0$0$4,692,361
96$8,832,443$0$0$5,122,037
97$9,642,488$0$0$5,593,998
98$10,532,296$0$0$6,112,508
99$11,509,912$0$0$6,682,267
100$12,584,199$0$0$7,308,448