Can I retire at age 52 with 318,000?

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 $318,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$26,260$26,026$25,798$25,575$25,358$24,419
2 years$13,000$12,758$12,523$12,296$12,075$11,140
3 years$8,581$8,337$8,103$7,878$7,661$6,759
4 years$6,371$6,129$5,897$5,676$5,464$4,602
5 years$5,046$4,805$4,576$4,359$4,154$3,334
6 years$4,163$3,924$3,698$3,486$3,287$2,509
7 years$3,532$3,295$3,073$2,866$2,673$1,938
8 years$3,060$2,825$2,607$2,404$2,217$1,524
9 years$2,692$2,459$2,245$2,048$1,867$1,215
10 years$2,398$2,168$1,957$1,765$1,591$979
11 years$2,158$1,930$1,723$1,536$1,368$794
12 years$1,958$1,732$1,529$1,348$1,186$649
13 years$1,789$1,565$1,366$1,190$1,034$532
14 years$1,644$1,423$1,228$1,056$906$439
15 years$1,519$1,300$1,108$942$798$362
16 years$1,409$1,193$1,005$843$705$300
17 years$1,312$1,098$914$758$625$249
18 years$1,226$1,015$835$683$556$207
19 years$1,150$941$764$617$496$173
20 years$1,081$874$701$559$443$144
21 years$1,018$814$645$507$396$120
22 years$962$760$595$461$355$101
23 years$910$711$549$420$319$84
24 years$863$666$508$383$287$70
25 years$820$625$470$350$258$59
26 years$780$587$436$320$232$49
27 years$743$553$405$293$209$41
28 years$709$521$376$268$189$35
29 years$677$491$350$246$171$29
30 years$647$464$326$226$154$24
31 years$620$439$304$207$139$20
32 years$594$415$284$191$126$17
33 years$569$393$265$175$114$14
34 years$547$373$248$161$103$12
35 years$525$353$232$148$94$10
36 years$505$335$217$137$85$8
37 years$486$319$203$126$77$7
38 years$468$303$190$116$70$6
39 years$451$288$178$107$63$5
40 years$435$274$167$99$57$4
41 years$419$261$156$91$52$3
42 years$405$248$147$84$47$3
43 years$391$237$138$78$43$2
44 years$378$226$129$72$39$2
45 years$365$215$121$66$35$2
46 years$353$205$114$61$32$1
47 years$342$196$107$56$29$1
48 years$331$187$101$52$26$1
49 years$320$178$95$48$24$1
50 years$310$170$89$45$22$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $318,000, adding $5,187 every year, while hoping to spend $20,066 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: 46/46/8 Blend
51$318,000$318,000$318,000$318,000
52$355,786$338,932$334,003$371,133
53$370,727$334,190$323,842$377,504
54$386,518$328,543$312,669$381,909
55$403,227$321,925$300,427$386,223
56$420,924$314,267$287,059$390,446
57$439,688$305,497$272,506$394,575
58$459,605$295,535$256,703$398,613
59$480,768$284,299$239,586$402,561
60$503,280$271,703$221,085$406,423
61$527,252$257,654$201,129$410,206
62$552,807$242,055$179,643$413,919
63$580,080$224,802$156,548$417,574
64$609,218$205,787$131,762$421,186
65$640,382$184,895$105,199$424,774
66$673,749$162,002$76,772$428,362
67$709,513$136,982$46,385$431,978
68$747,886$109,697$13,942$435,657
69$789,103$80,005$0$439,439
70$833,419$47,753$0$445,138
71$881,116$12,781$0$452,429
72$932,503$0$0$460,196
73$987,919$0$0$481,221
74$1,047,736$0$0$510,927
75$1,112,366$0$0$543,053
76$1,182,256$0$0$577,826
77$1,257,904$0$0$615,496
78$1,339,851$0$0$656,339
79$1,428,697$0$0$700,657
80$1,525,099$0$0$748,782
81$1,629,780$0$0$801,081
82$1,743,536$0$0$857,956
83$1,867,242$0$0$919,850
84$2,001,861$0$0$987,250
85$2,148,452$0$0$1,060,692
86$2,308,181$0$0$1,140,767
87$2,482,330$0$0$1,228,125
88$2,672,313$0$0$1,323,479
89$2,879,682$0$0$1,427,616
90$3,106,149$0$0$1,541,404
91$3,353,597$0$0$1,665,796
92$3,624,099$0$0$1,801,841
93$3,919,938$0$0$1,950,696
94$4,243,627$0$0$2,113,634
95$4,597,934$0$0$2,292,057
96$4,985,906$0$0$2,487,508
97$5,410,900$0$0$2,701,687
98$5,876,610$0$0$2,936,467
99$6,387,108$0$0$3,193,909
100$6,946,875$0$0$3,476,286