Can I retire at age 52 with 324,000?

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 $324,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$26,756$26,517$26,285$26,058$25,836$25,080
2 years$13,245$12,999$12,760$12,528$12,303$11,547
3 years$8,743$8,495$8,256$8,027$7,806$7,073
4 years$6,492$6,245$6,008$5,783$5,567$4,865
5 years$5,141$4,896$4,663$4,442$4,232$3,561
6 years$4,241$3,998$3,768$3,552$3,349$2,710
7 years$3,599$3,357$3,131$2,920$2,723$2,117
8 years$3,117$2,878$2,656$2,450$2,259$1,685
9 years$2,743$2,506$2,287$2,087$1,903$1,360
10 years$2,443$2,209$1,994$1,799$1,621$1,109
11 years$2,199$1,966$1,756$1,565$1,394$912
12 years$1,995$1,765$1,558$1,373$1,208$755
13 years$1,823$1,595$1,392$1,212$1,054$628
14 years$1,675$1,450$1,251$1,076$924$524
15 years$1,547$1,324$1,129$960$813$440
16 years$1,435$1,215$1,024$859$719$370
17 years$1,337$1,119$932$772$637$311
18 years$1,250$1,034$850$696$567$263
19 years$1,171$958$779$629$505$222
20 years$1,101$890$715$569$451$188
21 years$1,038$829$657$517$404$160
22 years$980$774$606$470$362$135
23 years$928$724$559$428$325$115
24 years$879$678$517$390$292$98
25 years$835$637$479$356$263$83
26 years$795$598$444$326$237$71
27 years$757$563$413$298$213$60
28 years$722$531$384$273$193$51
29 years$690$501$357$251$174$44
30 years$660$473$332$230$157$37
31 years$631$447$310$211$142$32
32 years$605$423$289$194$128$27
33 years$580$401$270$179$116$23
34 years$557$380$252$164$105$20
35 years$535$360$236$151$95$17
36 years$515$342$221$139$86$14
37 years$495$325$207$128$78$12
38 years$477$308$193$118$71$10
39 years$459$293$181$109$64$9
40 years$443$279$170$101$58$8
41 years$427$266$159$93$53$6
42 years$412$253$149$86$48$6
43 years$398$241$140$79$44$5
44 years$385$230$132$73$40$4
45 years$372$219$124$67$36$3
46 years$360$209$116$62$33$3
47 years$348$199$109$58$30$2
48 years$337$190$102$53$27$2
49 years$327$182$96$49$24$2
50 years$316$174$91$45$22$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $324,000, adding $3,711 every year, while hoping to spend $22,742 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: 67/12/21 Blend
51$324,000$324,000$324,000$324,000
52$360,876$343,704$338,682$382,909
53$373,488$336,348$325,830$390,783
54$386,624$327,870$311,786$396,429
55$400,314$318,189$296,485$402,061
56$414,589$307,224$279,861$407,679
57$429,484$294,885$261,843$413,280
58$445,035$281,078$242,358$418,866
59$461,283$265,704$221,331$424,435
60$478,269$248,660$198,681$429,990
61$496,041$229,833$174,326$435,533
62$514,649$209,106$148,178$441,067
63$534,148$186,356$120,146$446,598
64$554,596$161,453$90,135$452,132
65$576,057$134,257$58,048$457,677
66$598,602$104,622$23,779$463,245
67$622,305$72,394$0$468,848
68$647,250$37,411$0$477,368
69$673,525$0$0$491,831
70$701,228$0$0$507,018
71$730,466$0$0$528,267
72$761,353$0$0$550,724
73$794,018$0$0$574,482
74$828,597$0$0$599,642
75$865,241$0$0$626,315
76$904,114$0$0$654,623
77$945,397$0$0$684,697
78$989,287$0$0$716,682
79$1,035,998$0$0$750,738
80$1,085,767$0$0$787,037
81$1,138,851$0$0$825,771
82$1,195,533$0$0$867,146
83$1,256,123$0$0$911,392
84$1,320,961$0$0$958,759
85$1,390,419$0$0$1,009,521
86$1,464,905$0$0$1,063,979
87$1,544,867$0$0$1,122,463
88$1,630,798$0$0$1,185,337
89$1,723,237$0$0$1,252,997
90$1,822,777$0$0$1,325,882
91$1,930,068$0$0$1,404,472
92$2,045,826$0$0$1,489,293
93$2,170,837$0$0$1,580,924
94$2,305,963$0$0$1,680,004
95$2,452,154$0$0$1,787,231
96$2,610,453$0$0$1,903,376
97$2,782,005$0$0$2,029,283
98$2,968,072$0$0$2,165,883
99$3,170,041$0$0$2,314,199
100$3,389,436$0$0$2,475,357