Can I retire at age 52 with 329,000?

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 $329,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$27,169$26,927$26,690$26,460$26,235$25,705
2 years$13,450$13,199$12,957$12,721$12,493$11,961
3 years$8,877$8,626$8,384$8,151$7,926$7,410
4 years$6,592$6,341$6,101$5,872$5,653$5,155
5 years$5,221$4,971$4,735$4,510$4,297$3,820
6 years$4,307$4,059$3,826$3,607$3,400$2,944
7 years$3,654$3,409$3,180$2,965$2,765$2,330
8 years$3,165$2,922$2,697$2,488$2,294$1,880
9 years$2,785$2,544$2,323$2,119$1,932$1,538
10 years$2,481$2,243$2,025$1,827$1,646$1,272
11 years$2,233$1,997$1,783$1,590$1,416$1,062
12 years$2,026$1,792$1,582$1,394$1,227$892
13 years$1,851$1,619$1,414$1,231$1,070$753
14 years$1,701$1,472$1,270$1,093$938$639
15 years$1,571$1,345$1,147$975$826$545
16 years$1,458$1,234$1,040$873$730$465
17 years$1,358$1,136$946$784$647$399
18 years$1,269$1,050$864$707$575$342
19 years$1,189$973$791$638$513$295
20 years$1,118$904$726$578$458$254
21 years$1,054$842$667$525$410$219
22 years$995$786$615$477$367$189
23 years$942$735$568$435$330$164
24 years$893$689$525$396$296$142
25 years$848$647$486$362$267$123
26 years$807$608$451$331$240$106
27 years$769$572$419$303$217$92
28 years$733$539$389$278$195$80
29 years$700$508$362$255$177$69
30 years$670$480$338$234$159$60
31 years$641$454$315$215$144$52
32 years$614$429$294$197$130$46
33 years$589$407$274$181$118$40
34 years$566$385$256$167$107$34
35 years$543$366$240$154$97$30
36 years$523$347$224$141$88$26
37 years$503$330$210$130$79$23
38 years$484$313$196$120$72$20
39 years$467$298$184$111$65$17
40 years$450$283$172$102$59$15
41 years$434$270$162$94$54$13
42 years$419$257$152$87$49$11
43 years$405$245$142$80$44$10
44 years$391$233$134$74$40$9
45 years$378$222$125$68$36$7
46 years$366$212$118$63$33$6
47 years$354$203$111$58$30$6
48 years$342$193$104$54$27$5
49 years$332$185$98$50$25$4
50 years$321$176$92$46$23$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $329,000, adding $2,038 every year, while hoping to spend $23,392 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: 61/16/23 Blend
51$329,000$329,000$329,000$329,000
52$364,660$347,223$342,124$384,571
53$376,967$339,348$328,696$390,429
54$389,744$330,303$314,034$394,076
55$403,017$320,007$298,073$397,539
56$416,809$308,371$280,743$400,802
57$431,147$295,305$261,971$403,853
58$446,060$280,711$241,683$406,675
59$461,579$264,487$219,801$409,253
60$477,736$246,523$196,240$411,572
61$494,568$226,705$170,917$413,617
62$512,111$204,911$143,740$415,370
63$530,407$181,013$114,616$416,816
64$549,501$154,874$83,448$417,938
65$569,439$126,353$50,133$418,720
66$590,274$95,296$14,564$419,147
67$612,060$61,543$0$419,201
68$634,859$24,927$0$424,610
69$658,734$0$0$433,803
70$683,757$0$0$445,813
71$710,004$0$0$463,021
72$737,558$0$0$481,095
73$766,509$0$0$500,093
74$796,955$0$0$520,082
75$829,003$0$0$541,132
76$862,769$0$0$563,322
77$898,380$0$0$586,736
78$935,972$0$0$611,465
79$975,696$0$0$637,610
80$1,017,716$0$0$665,281
81$1,062,211$0$0$694,598
82$1,109,376$0$0$725,691
83$1,159,424$0$0$758,703
84$1,212,590$0$0$793,790
85$1,269,128$0$0$831,124
86$1,329,318$0$0$870,891
87$1,393,465$0$0$913,297
88$1,461,905$0$0$958,566
89$1,535,004$0$0$1,006,944
90$1,613,166$0$0$1,058,701
91$1,696,829$0$0$1,114,132
92$1,786,479$0$0$1,173,561
93$1,882,645$0$0$1,237,345
94$1,985,909$0$0$1,305,872
95$2,096,910$0$0$1,379,573
96$2,216,349$0$0$1,458,917
97$2,344,996$0$0$1,544,421
98$2,483,696$0$0$1,636,652
99$2,633,378$0$0$1,736,233
100$2,795,062$0$0$1,843,851