Can I retire at age 52 with 315,000?

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 $315,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$26,012$25,781$25,555$25,334$25,119$24,887
2 years$12,877$12,638$12,405$12,180$11,961$11,728
3 years$8,500$8,259$8,027$7,804$7,589$7,361
4 years$6,311$6,071$5,842$5,622$5,412$5,192
5 years$4,999$4,760$4,533$4,318$4,114$3,902
6 years$4,124$3,887$3,664$3,453$3,256$3,051
7 years$3,499$3,264$3,044$2,839$2,648$2,452
8 years$3,031$2,798$2,582$2,382$2,196$2,009
9 years$2,667$2,436$2,224$2,029$1,850$1,670
10 years$2,376$2,147$1,939$1,749$1,576$1,405
11 years$2,138$1,912$1,707$1,522$1,355$1,192
12 years$1,939$1,716$1,515$1,335$1,175$1,019
13 years$1,772$1,551$1,353$1,179$1,024$876
14 years$1,628$1,409$1,216$1,046$898$757
15 years$1,504$1,288$1,098$933$791$657
16 years$1,396$1,181$995$835$699$572
17 years$1,300$1,088$906$751$620$500
18 years$1,215$1,005$827$676$551$437
19 years$1,139$932$757$611$491$384
20 years$1,071$866$695$554$439$337
21 years$1,009$806$639$502$392$297
22 years$953$753$589$457$352$262
23 years$902$704$544$416$316$231
24 years$855$660$503$379$284$205
25 years$812$619$466$347$255$181
26 years$773$582$432$317$230$160
27 years$736$548$401$290$207$142
28 years$702$516$373$266$187$126
29 years$671$487$347$244$169$112
30 years$641$460$323$224$153$99
31 years$614$435$301$205$138$88
32 years$588$411$281$189$125$78
33 years$564$389$263$174$113$70
34 years$542$369$245$160$102$62
35 years$520$350$229$147$93$55
36 years$500$332$215$135$84$49
37 years$481$316$201$125$76$44
38 years$464$300$188$115$69$39
39 years$447$285$176$106$63$34
40 years$431$271$165$98$57$31
41 years$415$258$155$90$51$27
42 years$401$246$145$83$47$24
43 years$387$234$136$77$42$22
44 years$374$223$128$71$38$19
45 years$362$213$120$66$35$17
46 years$350$203$113$61$32$15
47 years$339$194$106$56$29$14
48 years$328$185$100$52$26$12
49 years$317$177$94$48$24$11
50 years$308$169$88$44$22$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $315,000, adding $6,662 every year, while hoping to spend $25,024 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: 69/22/9 Blend
51$315,000$315,000$315,000$315,000
52$354,002$337,307$332,424$377,362
53$363,485$327,210$316,935$383,621
54$373,096$315,779$300,089$386,795
55$382,823$302,923$281,812$389,597
56$392,649$288,544$262,032$391,985
57$402,557$272,541$240,668$393,916
58$412,527$254,804$217,638$395,342
59$422,534$235,219$192,858$396,208
60$432,551$213,663$166,238$396,460
61$442,548$190,010$137,684$396,034
62$452,490$164,122$107,098$394,865
63$462,337$135,857$74,379$392,880
64$472,045$105,064$39,421$389,999
65$481,563$71,582$2,111$386,139
66$490,836$35,243$0$381,206
67$499,799$0$0$378,720
68$508,382$0$0$376,404
69$516,504$0$0$382,260
70$524,078$0$0$387,689
71$531,003$0$0$392,614
72$537,169$0$0$396,951
73$542,451$0$0$400,606
74$546,713$0$0$403,473
75$549,801$0$0$405,436
76$551,545$0$0$406,364
77$551,755$0$0$406,113
78$550,221$0$0$404,524
79$546,709$0$0$401,417
80$540,961$0$0$396,596
81$532,689$0$0$389,842
82$521,574$0$0$380,912
83$507,264$0$0$369,537
84$489,368$0$0$355,419
85$467,453$0$0$338,229
86$441,039$0$0$317,603
87$409,598$0$0$293,137
88$372,542$0$0$264,383
89$329,223$0$0$230,849
90$278,924$0$0$191,989
91$220,853$0$0$147,200
92$154,132$0$0$95,814
93$77,795$0$0$37,095
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