Can I retire at age 52 with 336,000?

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 $336,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$27,747$27,499$27,258$27,023$26,793$26,199
2 years$13,736$13,480$13,232$12,992$12,759$12,163
3 years$9,066$8,809$8,562$8,324$8,095$7,516
4 years$6,732$6,476$6,231$5,997$5,773$5,216
5 years$5,332$5,077$4,836$4,606$4,389$3,855
6 years$4,399$4,146$3,908$3,684$3,473$2,963
7 years$3,732$3,482$3,247$3,029$2,824$2,338
8 years$3,233$2,984$2,754$2,541$2,343$1,881
9 years$2,844$2,599$2,372$2,164$1,973$1,534
10 years$2,534$2,290$2,068$1,865$1,681$1,265
11 years$2,280$2,039$1,821$1,623$1,446$1,052
12 years$2,069$1,830$1,616$1,424$1,253$881
13 years$1,890$1,654$1,444$1,257$1,093$742
14 years$1,737$1,503$1,297$1,116$958$628
15 years$1,604$1,373$1,171$995$843$533
16 years$1,489$1,260$1,062$891$745$454
17 years$1,386$1,160$966$801$661$387
18 years$1,296$1,072$882$722$588$331
19 years$1,215$994$807$652$524$284
20 years$1,142$923$741$591$468$244
21 years$1,076$860$682$536$419$210
22 years$1,016$803$628$487$375$180
23 years$962$751$580$444$337$155
24 years$912$704$536$405$303$134
25 years$866$660$497$370$272$116
26 years$824$621$461$338$245$100
27 years$785$584$428$309$221$86
28 years$749$550$398$283$200$74
29 years$715$519$370$260$180$64
30 years$684$490$345$239$163$56
31 years$655$464$321$219$147$48
32 years$627$439$300$201$133$42
33 years$602$415$280$185$121$36
34 years$578$394$262$170$109$31
35 years$555$373$245$157$99$27
36 years$534$354$229$144$90$23
37 years$513$337$214$133$81$20
38 years$494$320$201$123$74$18
39 years$476$304$188$113$67$15
40 years$459$289$176$104$61$13
41 years$443$275$165$96$55$11
42 years$428$262$155$89$50$10
43 years$413$250$145$82$45$9
44 years$399$238$136$76$41$7
45 years$386$227$128$70$37$6
46 years$373$217$120$65$34$6
47 years$361$207$113$60$31$5
48 years$350$197$106$55$28$4
49 years$339$189$100$51$25$4
50 years$328$180$94$47$23$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $336,000, adding $4,484 every year, while hoping to spend $20,532 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: 60/29/11 Blend
51$336,000$336,000$336,000$336,000
52$374,897$357,089$351,881$396,150
53$391,291$352,741$341,823$406,617
54$408,669$347,491$330,740$415,304
55$427,109$341,274$318,576$424,279
56$446,698$334,021$305,273$433,570
57$467,530$325,656$290,768$443,211
58$489,708$316,103$274,998$453,237
59$513,344$305,278$257,897$463,692
60$538,562$293,094$239,394$474,622
61$565,498$279,458$219,416$486,080
62$594,299$264,272$197,886$498,125
63$625,128$247,432$174,726$510,826
64$658,163$228,828$149,852$524,255
65$693,600$208,345$123,176$538,499
66$731,653$185,860$94,608$553,651
67$772,558$161,243$64,054$569,816
68$816,572$134,357$31,413$587,113
69$863,980$105,059$0$605,673
70$915,094$73,194$0$626,046
71$970,255$38,603$0$651,956
72$1,029,841$1,113$0$679,907
73$1,094,263$0$0$710,119
74$1,163,977$0$0$755,426
75$1,239,482$0$0$804,902
76$1,321,327$0$0$858,557
77$1,410,115$0$0$916,788
78$1,506,512$0$0$980,035
79$1,611,247$0$0$1,048,779
80$1,725,123$0$0$1,123,552
81$1,849,025$0$0$1,204,938
82$1,983,926$0$0$1,293,578
83$2,130,894$0$0$1,390,180
84$2,291,109$0$0$1,495,523
85$2,465,865$0$0$1,610,462
86$2,656,590$0$0$1,735,941
87$2,864,854$0$0$1,872,996
88$3,092,386$0$0$2,022,771
89$3,341,088$0$0$2,186,523
90$3,613,057$0$0$2,365,636
91$3,910,598$0$0$2,561,636
92$4,236,252$0$0$2,776,201
93$4,592,817$0$0$3,011,180
94$4,983,371$0$0$3,268,608
95$5,411,308$0$0$3,550,729
96$5,880,363$0$0$3,860,010
97$6,394,650$0$0$4,199,172
98$6,958,701$0$0$4,571,210
99$7,577,507$0$0$4,979,423
100$8,256,565$0$0$5,427,445