Can I retire at age 52 with 231,000?

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 $231,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$19,076$18,906$18,740$18,578$18,420$18,320
2 years$9,443$9,268$9,097$8,932$8,772$8,670
3 years$6,233$6,056$5,886$5,723$5,565$5,466
4 years$4,628$4,452$4,284$4,123$3,969$3,873
5 years$3,666$3,491$3,324$3,167$3,017$2,924
6 years$3,024$2,850$2,687$2,533$2,387$2,298
7 years$2,566$2,394$2,233$2,082$1,942$1,855
8 years$2,223$2,052$1,893$1,747$1,611$1,528
9 years$1,956$1,786$1,631$1,488$1,356$1,277
10 years$1,742$1,575$1,422$1,282$1,156$1,080
11 years$1,568$1,402$1,252$1,116$994$921
12 years$1,422$1,258$1,111$979$861$792
13 years$1,299$1,137$992$864$751$685
14 years$1,194$1,034$892$767$658$595
15 years$1,103$944$805$684$580$520
16 years$1,023$866$730$613$512$455
17 years$953$798$664$550$454$400
18 years$891$737$606$496$404$353
19 years$835$683$555$448$360$312
20 years$785$635$509$406$322$276
21 years$740$591$469$368$288$244
22 years$699$552$432$335$258$217
23 years$661$516$399$305$232$193
24 years$627$484$369$278$208$172
25 years$596$454$342$254$187$153
26 years$567$427$317$232$169$136
27 years$540$402$294$213$152$122
28 years$515$378$273$195$137$109
29 years$492$357$254$179$124$97
30 years$470$337$237$164$112$87
31 years$450$319$221$151$101$78
32 years$431$302$206$138$92$70
33 years$414$286$193$127$83$62
34 years$397$271$180$117$75$56
35 years$382$257$168$108$68$50
36 years$367$244$157$99$62$45
37 years$353$231$147$91$56$40
38 years$340$220$138$84$51$36
39 years$328$209$129$78$46$32
40 years$316$199$121$72$42$29
41 years$305$189$114$66$38$26
42 years$294$180$107$61$34$23
43 years$284$172$100$56$31$21
44 years$274$164$94$52$28$19
45 years$265$156$88$48$26$17
46 years$257$149$83$44$23$15
47 years$248$142$78$41$21$14
48 years$240$136$73$38$19$12
49 years$233$130$69$35$17$11
50 years$226$124$65$32$16$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $231,000, adding $4,330 every year, while hoping to spend $29,351 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: 45/48/7 Blend
51$231,000$231,000$231,000$231,000
52$259,028$246,785$243,205$269,988
53$254,220$227,649$220,123$258,859
54$247,938$206,590$195,284$243,414
55$240,000$183,486$168,599$225,986
56$230,205$158,202$139,972$206,403
57$218,332$130,600$109,307$184,476
58$204,134$100,532$76,502$160,002
59$187,340$67,842$41,448$132,759
60$167,647$32,365$4,035$102,509
61$144,723$0$0$68,989
62$118,201$0$0$37,804
63$87,673$0$0$22,010
64$52,689$0$0$3,985
65$12,754$0$0$0
66$0$0$0$0
67$0$0$0$0
68$0$0$0$0
69$0$0$0$0
70$0$0$0$0
71$0$0$0$0
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
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