Can I retire at age 52 with 285,000?

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 $285,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$23,535$23,325$23,121$22,921$22,726$21,833
2 years$11,651$11,434$11,224$11,020$10,822$9,933
3 years$7,690$7,472$7,262$7,061$6,866$6,009
4 years$5,710$5,493$5,285$5,087$4,897$4,079
5 years$4,522$4,307$4,102$3,907$3,723$2,946
6 years$3,731$3,517$3,315$3,125$2,945$2,210
7 years$3,166$2,953$2,755$2,569$2,395$1,701
8 years$2,742$2,531$2,336$2,155$1,987$1,333
9 years$2,413$2,204$2,012$1,836$1,674$1,059
10 years$2,149$1,943$1,754$1,582$1,426$849
11 years$1,934$1,730$1,544$1,377$1,226$687
12 years$1,755$1,552$1,371$1,208$1,063$559
13 years$1,603$1,403$1,224$1,066$927$457
14 years$1,473$1,275$1,100$947$812$375
15 years$1,361$1,165$993$844$715$308
16 years$1,263$1,069$901$756$632$254
17 years$1,176$984$820$679$561$210
18 years$1,099$910$748$612$498$174
19 years$1,030$843$685$553$444$144
20 years$969$783$629$501$397$120
21 years$913$730$578$455$355$100
22 years$862$681$533$413$318$83
23 years$816$637$492$376$286$69
24 years$774$597$455$343$257$57
25 years$735$560$421$314$231$48
26 years$699$526$391$287$208$40
27 years$666$495$363$262$188$33
28 years$635$467$337$240$169$28
29 years$607$440$314$220$153$23
30 years$580$416$292$202$138$19
31 years$555$393$273$186$125$16
32 years$532$372$254$171$113$13
33 years$510$352$238$157$102$11
34 years$490$334$222$144$93$9
35 years$471$317$207$133$84$8
36 years$453$301$194$123$76$6
37 years$436$285$182$113$69$5
38 years$419$271$170$104$62$5
39 years$404$258$159$96$57$4
40 years$390$245$149$88$51$3
41 years$376$234$140$82$47$3
42 years$363$223$131$75$42$2
43 years$350$212$123$70$38$2
44 years$339$202$116$64$35$2
45 years$327$193$109$59$32$1
46 years$317$184$102$55$29$1
47 years$306$175$96$51$26$1
48 years$297$167$90$47$24$1
49 years$287$160$85$43$21$1
50 years$278$153$80$40$20$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $285,000, adding $5,213 every year, while hoping to spend $22,873 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: 46/26/28 Blend
51$285,000$285,000$285,000$285,000
52$319,447$304,342$299,925$331,361
53$327,694$294,918$285,635$330,888
54$336,016$284,266$270,101$327,759
55$344,395$272,301$253,255$323,923
56$352,814$258,934$235,030$319,327
57$361,250$244,071$215,352$313,913
58$369,678$227,611$194,147$307,620
59$378,071$209,450$171,337$300,383
60$386,397$189,476$146,840$292,130
61$394,620$167,570$120,569$282,787
62$402,698$143,608$92,435$272,274
63$410,588$117,459$62,346$260,504
64$418,236$88,983$30,203$247,385
65$425,587$58,034$0$232,819
66$432,575$24,456$0$217,926
67$439,128$0$0$211,075
68$445,167$0$0$206,556
69$450,601$0$0$208,708
70$455,329$0$0$210,485
71$459,242$0$0$211,828
72$462,213$0$0$212,673
73$464,106$0$0$212,952
74$464,767$0$0$212,583
75$464,024$0$0$211,482
76$461,689$0$0$209,551
77$457,552$0$0$206,682
78$451,379$0$0$202,757
79$442,911$0$0$197,644
80$431,863$0$0$191,196
81$417,917$0$0$183,253
82$400,721$0$0$173,636
83$379,887$0$0$162,145
84$354,984$0$0$148,563
85$325,536$0$0$132,647
86$291,016$0$0$114,128
87$250,842$0$0$92,711
88$204,369$0$0$68,068
89$150,887$0$0$39,838
90$89,607$0$0$7,620
91$19,663$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