Can I retire at age 52 with 282,000?

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 $282,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.1%
1 years$23,287$23,080$22,877$22,680$22,487$21,837
2 years$11,528$11,314$11,106$10,904$10,708$10,059
3 years$7,609$7,394$7,186$6,986$6,794$6,165
4 years$5,650$5,435$5,230$5,033$4,845$4,242
5 years$4,475$4,261$4,058$3,866$3,683$3,107
6 years$3,692$3,480$3,280$3,092$2,914$2,366
7 years$3,132$2,922$2,726$2,542$2,370$1,849
8 years$2,713$2,505$2,311$2,132$1,966$1,473
9 years$2,387$2,181$1,991$1,816$1,656$1,189
10 years$2,127$1,922$1,736$1,566$1,411$970
11 years$1,914$1,711$1,528$1,363$1,213$798
12 years$1,736$1,536$1,356$1,195$1,052$661
13 years$1,586$1,388$1,212$1,055$917$550
14 years$1,458$1,262$1,089$937$804$460
15 years$1,347$1,153$983$835$708$386
16 years$1,249$1,058$891$748$626$325
17 years$1,164$974$811$672$555$274
18 years$1,088$900$740$606$493$231
19 years$1,020$834$678$547$440$196
20 years$958$775$622$496$393$166
21 years$903$722$572$450$351$141
22 years$853$674$527$409$315$120
23 years$807$630$487$372$283$102
24 years$765$591$450$340$254$86
25 years$727$554$417$310$229$74
26 years$692$521$387$284$206$63
27 years$659$490$359$260$186$53
28 years$629$462$334$238$168$45
29 years$600$436$311$218$151$39
30 years$574$412$289$200$137$33
31 years$549$389$270$184$124$28
32 years$527$368$252$169$112$24
33 years$505$349$235$155$101$21
34 years$485$330$220$143$92$18
35 years$466$313$205$132$83$15
36 years$448$297$192$121$75$13
37 years$431$282$180$112$68$11
38 years$415$268$168$103$62$9
39 years$400$255$158$95$56$8
40 years$386$243$148$88$51$7
41 years$372$231$139$81$46$6
42 years$359$220$130$75$42$5
43 years$347$210$122$69$38$4
44 years$335$200$115$64$34$4
45 years$324$191$108$59$31$3
46 years$313$182$101$54$28$3
47 years$303$174$95$50$26$2
48 years$293$166$89$46$23$2
49 years$284$158$84$43$21$2
50 years$275$151$79$40$19$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $282,000, adding $5,547 every year, while hoping to spend $22,018 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: 42/38/20 Blend
51$282,000$282,000$282,000$282,000
52$316,486$301,540$297,169$327,717
53$325,340$292,888$283,697$327,569
54$334,360$283,075$269,036$324,851
55$343,539$272,019$253,122$321,455
56$352,868$259,637$235,891$317,329
57$362,340$245,838$217,272$312,419
58$371,942$230,527$197,194$306,667
59$381,661$213,605$175,581$300,011
60$391,484$194,964$152,356$292,387
61$401,391$174,493$127,436$283,724
62$411,363$152,074$100,735$273,948
63$421,376$127,580$72,164$262,980
64$431,405$100,880$41,630$250,735
65$441,419$71,833$9,035$237,125
66$451,383$40,293$0$222,052
67$461,259$6,102$0$210,911
68$471,004$0$0$200,513
69$480,567$0$0$201,756
70$489,894$0$0$205,422
71$498,922$0$0$208,929
72$507,581$0$0$212,244
73$515,793$0$0$215,330
74$523,470$0$0$218,146
75$530,515$0$0$220,647
76$536,819$0$0$222,780
77$542,260$0$0$224,489
78$546,702$0$0$225,711
79$549,995$0$0$226,374
80$551,971$0$0$226,401
81$552,443$0$0$225,704
82$551,206$0$0$224,187
83$548,028$0$0$221,741
84$542,654$0$0$218,249
85$534,803$0$0$213,579
86$524,160$0$0$207,583
87$510,378$0$0$200,101
88$493,071$0$0$190,953
89$471,815$0$0$179,941
90$446,136$0$0$166,845
91$415,514$0$0$151,423
92$379,369$0$0$133,406
93$337,065$0$0$112,497
94$287,894$0$0$88,368
95$231,076$0$0$60,657
96$165,747$0$0$28,962
97$90,955$0$0$0
98$5,645$0$0$0
99$0$0$0$0
100$0$0$0$0