Can I retire at age 52 with 307,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $307,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$25,352$25,126$24,906$24,691$24,481$23,947
2 years$12,550$12,317$12,090$11,870$11,657$11,123
3 years$8,284$8,049$7,823$7,606$7,396$6,877
4 years$6,151$5,917$5,693$5,479$5,275$4,775
5 years$4,872$4,639$4,418$4,209$4,010$3,531
6 years$4,019$3,788$3,571$3,366$3,173$2,715
7 years$3,410$3,181$2,967$2,767$2,580$2,144
8 years$2,954$2,727$2,516$2,321$2,141$1,725
9 years$2,599$2,374$2,167$1,977$1,803$1,408
10 years$2,315$2,093$1,890$1,704$1,536$1,162
11 years$2,083$1,863$1,664$1,483$1,321$967
12 years$1,890$1,672$1,476$1,301$1,145$811
13 years$1,727$1,511$1,319$1,149$998$683
14 years$1,587$1,374$1,185$1,020$875$578
15 years$1,466$1,255$1,070$909$770$491
16 years$1,360$1,151$970$814$681$418
17 years$1,267$1,060$883$732$604$358
18 years$1,184$980$806$659$537$306
19 years$1,110$908$738$596$479$263
20 years$1,043$844$677$540$427$226
21 years$983$786$623$490$382$194
22 years$929$734$574$445$343$167
23 years$879$686$530$405$308$144
24 years$833$643$490$370$277$124
25 years$791$603$454$338$249$107
26 years$753$567$421$309$224$93
27 years$717$534$391$283$202$80
28 years$684$503$363$259$182$69
29 years$654$474$338$237$165$60
30 years$625$448$315$218$149$52
31 years$598$424$294$200$135$45
32 years$573$401$274$184$122$39
33 years$550$379$256$169$110$34
34 years$528$360$239$156$100$29
35 years$507$341$223$143$90$25
36 years$488$324$209$132$82$22
37 years$469$308$196$122$74$19
38 years$452$292$183$112$67$16
39 years$435$278$172$103$61$14
40 years$420$264$161$95$55$12
41 years$405$252$151$88$50$11
42 years$391$240$142$81$46$9
43 years$377$228$133$75$41$8
44 years$365$218$125$69$38$7
45 years$353$208$117$64$34$6
46 years$341$198$110$59$31$5
47 years$330$189$103$55$28$5
48 years$319$180$97$50$25$4
49 years$309$172$91$47$23$3
50 years$300$165$86$43$21$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $307,000, adding $6,554 every year, while hoping to spend $25,545 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: 69/18/13 Blend
51$307,000$307,000$307,000$307,000
52$345,074$328,803$324,045$367,445
53$353,092$317,735$307,721$372,094
54$361,072$305,268$289,994$373,497
55$368,982$291,307$270,789$374,370
56$376,789$275,752$250,031$374,655
57$384,451$258,494$227,637$374,293
58$391,927$239,421$203,524$373,217
59$399,165$218,414$177,604$371,355
60$406,110$195,347$149,784$368,629
61$412,699$170,085$119,968$364,953
62$418,864$142,489$88,056$360,233
63$424,525$112,408$53,943$354,370
64$429,597$79,686$17,520$347,251
65$433,981$44,156$0$338,757
66$437,570$5,643$0$331,719
67$440,245$0$0$325,817
68$441,870$0$0$325,619
69$442,298$0$0$325,617
70$441,363$0$0$324,570
71$438,883$0$0$322,336
72$434,653$0$0$318,761
73$428,448$0$0$313,673
74$420,019$0$0$306,882
75$409,087$0$0$298,176
76$395,347$0$0$287,323
77$378,458$0$0$274,062
78$358,044$0$0$258,108
79$333,688$0$0$239,143
80$304,931$0$0$216,817
81$271,263$0$0$190,742
82$232,120$0$0$160,490
83$186,880$0$0$125,586
84$134,855$0$0$85,507
85$75,283$0$0$39,674
86$7,326$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