Can I retire at age 52 with 334,000?

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 $334,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$27,581$27,336$27,096$26,862$26,634$26,032
2 years$13,654$13,400$13,153$12,914$12,683$12,080
3 years$9,012$8,757$8,511$8,274$8,046$7,461
4 years$6,692$6,437$6,194$5,961$5,739$5,176
5 years$5,300$5,047$4,807$4,579$4,363$3,823
6 years$4,372$4,121$3,885$3,662$3,452$2,937
7 years$3,710$3,461$3,228$3,010$2,807$2,316
8 years$3,214$2,967$2,738$2,525$2,329$1,862
9 years$2,828$2,583$2,358$2,151$1,961$1,518
10 years$2,519$2,277$2,056$1,854$1,671$1,251
11 years$2,267$2,027$1,810$1,614$1,437$1,040
12 years$2,056$1,819$1,606$1,415$1,245$870
13 years$1,879$1,644$1,435$1,250$1,086$732
14 years$1,727$1,494$1,289$1,109$952$619
15 years$1,595$1,365$1,164$989$838$525
16 years$1,480$1,253$1,055$886$741$447
17 years$1,378$1,154$960$796$657$381
18 years$1,288$1,066$877$717$584$326
19 years$1,208$988$803$648$521$279
20 years$1,135$918$737$587$465$239
21 years$1,070$855$678$533$416$206
22 years$1,010$798$624$484$373$177
23 years$956$747$577$441$335$152
24 years$907$699$533$402$301$131
25 years$861$656$494$367$271$113
26 years$819$617$458$336$244$98
27 years$780$581$425$308$220$84
28 years$744$547$395$282$198$73
29 years$711$516$368$258$179$63
30 years$680$487$343$237$162$54
31 years$651$461$320$218$146$47
32 years$624$436$298$200$132$41
33 years$598$413$278$184$120$35
34 years$574$391$260$169$108$30
35 years$552$371$243$156$98$26
36 years$530$352$227$144$89$23
37 years$510$335$213$132$81$20
38 years$492$318$199$122$73$17
39 years$474$302$187$112$66$15
40 years$457$288$175$104$60$13
41 years$441$274$164$96$55$11
42 years$425$261$154$88$50$10
43 years$411$248$145$82$45$8
44 years$397$237$136$75$41$7
45 years$384$226$127$69$37$6
46 years$371$215$120$64$34$5
47 years$359$206$112$59$31$5
48 years$348$196$106$55$28$4
49 years$337$187$99$51$25$3
50 years$326$179$93$47$23$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $334,000, adding $3,146 every year, while hoping to spend $23,910 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: 75/5/20 Blend
51$334,000$334,000$334,000$334,000
52$371,313$353,611$348,434$397,181
53$383,747$345,498$334,667$406,643
54$396,648$336,186$319,637$413,779
55$410,038$325,591$303,276$420,979
56$423,941$313,624$285,515$428,244
57$438,383$300,192$266,280$435,575
58$453,390$285,194$245,493$442,973
59$468,993$268,525$223,074$450,441
60$485,222$250,074$198,938$457,980
61$502,111$229,724$172,999$465,595
62$519,695$207,349$145,163$473,289
63$538,013$182,819$115,336$481,068
64$557,107$155,994$83,416$488,938
65$577,022$126,727$49,300$496,907
66$597,805$94,864$12,879$504,984
67$619,509$60,240$0$513,181
68$642,189$22,682$0$527,055
69$665,907$0$0$544,370
70$690,728$0$0$563,408
71$716,722$0$0$584,657
72$743,968$0$0$606,933
73$772,548$0$0$630,304
74$802,554$0$0$654,845
75$834,083$0$0$680,637
76$867,242$0$0$707,768
77$902,148$0$0$736,334
78$938,928$0$0$766,440
79$977,719$0$0$798,199
80$1,018,672$0$0$831,735
81$1,061,951$0$0$867,184
82$1,107,735$0$0$904,693
83$1,156,218$0$0$944,423
84$1,207,615$0$0$986,550
85$1,262,159$0$0$1,031,267
86$1,320,104$0$0$1,078,783
87$1,381,730$0$0$1,129,330
88$1,447,341$0$0$1,183,158
89$1,517,272$0$0$1,240,544
90$1,591,888$0$0$1,301,790
91$1,671,590$0$0$1,367,226
92$1,756,818$0$0$1,437,215
93$1,848,053$0$0$1,512,155
94$1,945,823$0$0$1,592,481
95$2,050,708$0$0$1,678,672
96$2,163,343$0$0$1,771,254
97$2,284,426$0$0$1,870,801
98$2,414,722$0$0$1,977,947
99$2,555,073$0$0$2,093,386
100$2,706,403$0$0$2,217,881