Can I retire at age 52 with 333,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $333,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$27,499$27,254$27,015$26,782$26,554$25,663
2 years$13,613$13,360$13,114$12,876$12,645$11,756
3 years$8,985$8,731$8,486$8,250$8,022$7,163
4 years$6,672$6,418$6,175$5,943$5,722$4,899
5 years$5,284$5,032$4,792$4,565$4,349$3,566
6 years$4,359$4,109$3,873$3,651$3,442$2,697
7 years$3,699$3,451$3,218$3,001$2,799$2,094
8 years$3,204$2,958$2,729$2,518$2,322$1,656
9 years$2,819$2,575$2,351$2,145$1,955$1,327
10 years$2,511$2,270$2,050$1,849$1,666$1,075
11 years$2,260$2,021$1,804$1,609$1,433$878
12 years$2,050$1,814$1,601$1,411$1,242$721
13 years$1,873$1,639$1,431$1,246$1,083$595
14 years$1,721$1,490$1,286$1,106$949$494
15 years$1,590$1,361$1,161$986$836$411
16 years$1,475$1,249$1,052$883$739$342
17 years$1,374$1,150$958$794$655$286
18 years$1,284$1,063$874$715$582$240
19 years$1,204$985$800$646$519$201
20 years$1,132$915$734$585$464$169
21 years$1,067$853$675$531$415$142
22 years$1,007$796$623$483$372$119
23 years$953$744$575$440$334$101
24 years$904$697$532$401$300$85
25 years$859$654$492$366$270$71
26 years$817$615$457$335$243$60
27 years$778$579$424$307$219$51
28 years$742$545$394$281$198$43
29 years$709$515$367$258$179$36
30 years$678$486$342$236$161$31
31 years$649$459$319$217$146$26
32 years$622$435$297$200$132$22
33 years$596$412$278$183$119$18
34 years$572$390$259$169$108$16
35 years$550$370$242$155$98$13
36 years$529$351$227$143$89$11
37 years$509$334$212$132$80$9
38 years$490$317$199$122$73$8
39 years$472$301$186$112$66$7
40 years$455$287$175$103$60$6
41 years$439$273$164$95$54$5
42 years$424$260$154$88$49$4
43 years$409$248$144$81$45$3
44 years$396$236$135$75$41$3
45 years$382$225$127$69$37$2
46 years$370$215$119$64$34$2
47 years$358$205$112$59$30$2
48 years$347$196$105$55$28$1
49 years$336$187$99$50$25$1
50 years$325$179$93$47$23$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $333,000, adding $3,813 every year, while hoping to spend $23,652 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: 34/46/20 Blend
51$333,000$333,000$333,000$333,000
52$370,899$353,250$348,089$381,124
53$383,565$345,394$334,584$381,148
54$396,731$336,360$319,834$378,723
55$410,421$326,066$303,773$375,618
56$424,665$314,423$286,330$371,785
57$439,491$301,341$267,433$367,177
58$454,933$286,720$247,005$361,742
59$471,023$270,456$224,967$355,427
60$487,800$252,441$201,236$348,176
61$505,304$232,559$175,725$339,930
62$523,576$210,686$148,344$330,627
63$542,665$186,693$118,997$320,203
64$562,620$160,444$87,586$308,590
65$583,495$131,794$54,008$295,717
66$605,349$100,590$18,155$281,511
67$628,246$66,670$0$265,894
68$652,255$29,864$0$253,076
69$677,450$0$0$243,096
70$703,913$0$0$237,081
71$731,733$0$0$246,664
72$761,004$0$0$256,765
73$791,833$0$0$267,423
74$824,331$0$0$278,677
75$858,625$0$0$290,576
76$894,847$0$0$303,167
77$933,147$0$0$316,506
78$973,685$0$0$330,651
79$1,016,636$0$0$345,667
80$1,062,193$0$0$361,626
81$1,110,565$0$0$378,605
82$1,161,982$0$0$396,689
83$1,216,695$0$0$415,970
84$1,274,979$0$0$436,551
85$1,337,134$0$0$458,543
86$1,403,491$0$0$482,068
87$1,474,410$0$0$507,261
88$1,550,287$0$0$534,267
89$1,631,557$0$0$563,250
90$1,718,695$0$0$594,385
91$1,812,224$0$0$627,866
92$1,912,716$0$0$663,908
93$2,020,802$0$0$702,744
94$2,137,172$0$0$744,632
95$2,262,584$0$0$789,853
96$2,397,872$0$0$838,719
97$2,543,951$0$0$891,571
98$2,701,828$0$0$948,784
99$2,872,607$0$0$1,010,770
100$3,057,504$0$0$1,077,983