Can I retire at age 52 with 317,000?

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 $317,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$26,178$25,944$25,717$25,495$25,278$24,921
2 years$12,959$12,718$12,484$12,257$12,037$11,678
3 years$8,554$8,311$8,078$7,853$7,637$7,287
4 years$6,351$6,110$5,879$5,658$5,447$5,109
5 years$5,030$4,790$4,562$4,346$4,140$3,815
6 years$4,150$3,911$3,687$3,475$3,276$2,964
7 years$3,521$3,285$3,064$2,857$2,664$2,366
8 years$3,050$2,816$2,598$2,397$2,210$1,925
9 years$2,684$2,452$2,238$2,042$1,861$1,589
10 years$2,391$2,161$1,951$1,760$1,586$1,327
11 years$2,151$1,924$1,718$1,532$1,364$1,118
12 years$1,952$1,727$1,524$1,343$1,182$948
13 years$1,783$1,560$1,362$1,186$1,031$809
14 years$1,639$1,418$1,224$1,053$904$693
15 years$1,514$1,296$1,105$939$796$597
16 years$1,404$1,189$1,002$841$703$515
17 years$1,308$1,095$912$755$623$446
18 years$1,223$1,012$832$681$554$388
19 years$1,146$938$762$615$494$337
20 years$1,077$871$699$557$441$294
21 years$1,015$812$643$506$395$256
22 years$959$758$593$460$354$224
23 years$908$709$547$419$318$196
24 years$860$664$506$382$286$172
25 years$817$623$469$349$257$150
26 years$777$585$435$319$232$132
27 years$741$551$404$292$209$116
28 years$707$519$375$267$188$102
29 years$675$490$349$245$170$89
30 years$645$463$325$225$154$79
31 years$618$437$303$207$139$69
32 years$592$414$283$190$126$61
33 years$568$392$264$175$114$53
34 years$545$371$247$161$103$47
35 years$524$352$231$148$93$41
36 years$503$334$216$136$85$37
37 years$484$318$202$126$77$32
38 years$466$302$189$116$69$28
39 years$449$287$177$107$63$25
40 years$433$273$166$98$57$22
41 years$418$260$156$91$52$19
42 years$404$248$146$84$47$17
43 years$390$236$137$77$43$15
44 years$377$225$129$71$39$13
45 years$364$214$121$66$35$12
46 years$352$204$114$61$32$10
47 years$341$195$107$56$29$9
48 years$330$186$100$52$26$8
49 years$319$178$94$48$24$7
50 years$310$170$89$44$22$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $317,000, adding $2,044 every year, while hoping to spend $23,212 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: 70/22/8 Blend
51$317,000$317,000$317,000$317,000
52$351,442$334,641$329,728$375,414
53$362,592$326,341$316,076$383,246
54$374,101$316,857$301,190$388,770
55$385,982$306,105$285,002$394,183
56$398,246$293,999$267,444$399,469
57$410,908$280,445$248,444$404,609
58$423,980$265,347$227,926$409,587
59$437,478$248,600$205,813$414,383
60$451,415$230,096$182,022$418,977
61$465,807$209,718$156,468$423,345
62$480,670$187,345$129,060$427,466
63$496,020$162,847$99,706$431,314
64$511,876$136,088$68,307$434,863
65$528,254$106,924$34,763$438,086
66$545,175$75,201$0$440,954
67$562,657$40,760$0$443,523
68$580,721$3,431$0$448,845
69$599,388$0$0$453,925
70$618,683$0$0$467,686
71$638,627$0$0$482,770
72$659,245$0$0$498,364
73$680,565$0$0$514,490
74$702,612$0$0$531,166
75$725,416$0$0$548,416
76$749,007$0$0$566,263
77$773,417$0$0$584,729
78$798,679$0$0$603,842
79$824,828$0$0$623,627
80$851,902$0$0$644,114
81$879,940$0$0$665,331
82$908,984$0$0$687,312
83$939,079$0$0$710,090
84$970,270$0$0$733,700
85$1,002,608$0$0$758,180
86$1,036,146$0$0$783,571
87$1,070,939$0$0$809,916
88$1,107,049$0$0$837,261
89$1,144,538$0$0$865,653
90$1,183,475$0$0$895,146
91$1,223,932$0$0$925,795
92$1,265,988$0$0$957,659
93$1,309,726$0$0$990,802
94$1,355,236$0$0$1,025,293
95$1,402,613$0$0$1,061,206
96$1,451,961$0$0$1,098,618
97$1,503,389$0$0$1,137,615
98$1,557,019$0$0$1,178,289
99$1,612,977$0$0$1,220,737
100$1,671,403$0$0$1,265,067