Can I retire at age 52 with 349,000?

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 $349,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$28,820$28,563$28,313$28,068$27,830$27,135
2 years$14,267$14,002$13,744$13,494$13,252$12,557
3 years$9,417$9,150$8,893$8,646$8,408$7,733
4 years$6,992$6,726$6,472$6,229$5,996$5,348
5 years$5,538$5,274$5,023$4,784$4,558$3,938
6 years$4,569$4,306$4,059$3,826$3,607$3,015
7 years$3,877$3,616$3,373$3,146$2,933$2,370
8 years$3,358$3,100$2,861$2,639$2,434$1,899
9 years$2,955$2,699$2,464$2,248$2,049$1,542
10 years$2,632$2,379$2,148$1,938$1,746$1,266
11 years$2,368$2,118$1,891$1,686$1,502$1,049
12 years$2,149$1,901$1,678$1,479$1,301$874
13 years$1,963$1,718$1,499$1,306$1,135$733
14 years$1,804$1,562$1,347$1,159$995$617
15 years$1,667$1,426$1,216$1,034$876$521
16 years$1,546$1,309$1,103$926$774$441
17 years$1,440$1,205$1,004$832$686$375
18 years$1,346$1,114$916$749$610$319
19 years$1,262$1,032$839$677$544$272
20 years$1,186$959$770$613$486$232
21 years$1,118$893$708$557$435$199
22 years$1,056$834$652$506$390$170
23 years$999$780$602$461$350$146
24 years$947$731$557$420$314$125
25 years$900$686$516$384$283$107
26 years$856$645$479$351$255$92
27 years$815$607$444$321$230$79
28 years$778$572$413$294$207$68
29 years$743$539$384$270$187$58
30 years$710$509$358$248$169$50
31 years$680$481$334$228$153$43
32 years$652$456$312$209$138$37
33 years$625$431$291$192$125$32
34 years$600$409$272$177$113$27
35 years$576$388$254$163$103$24
36 years$554$368$238$150$93$20
37 years$533$350$222$138$84$18
38 years$514$332$208$127$76$15
39 years$495$316$195$117$69$13
40 years$477$301$183$108$63$11
41 years$460$286$172$100$57$10
42 years$444$273$161$92$52$8
43 years$429$260$151$85$47$7
44 years$415$247$142$79$43$6
45 years$401$236$133$73$39$5
46 years$388$225$125$67$35$5
47 years$375$215$117$62$32$4
48 years$363$205$110$57$29$3
49 years$352$196$104$53$26$3
50 years$341$187$98$49$24$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $349,000, adding $6,132 every year, while hoping to spend $20,571 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: 76/17/7 Blend
51$349,000$349,000$349,000$349,000
52$390,923$372,426$367,017$419,815
53$408,910$368,788$357,424$436,024
54$428,042$364,281$346,821$450,538
55$448,414$358,843$335,152$465,849
56$470,131$352,405$322,358$482,028
57$493,306$344,895$308,378$499,154
58$518,064$336,236$293,150$517,312
59$544,543$326,347$276,607$536,599
60$572,892$315,144$258,679$557,121
61$603,276$302,535$239,294$578,993
62$635,876$288,425$218,376$602,344
63$670,889$272,711$195,845$627,316
64$708,534$255,288$171,620$654,068
65$749,048$236,041$145,613$682,771
66$792,695$214,851$117,735$713,619
67$839,762$191,591$87,891$746,822
68$890,565$166,126$55,983$782,615
69$945,452$138,316$21,908$821,257
70$1,004,806$108,011$0$863,032
71$1,069,045$75,053$0$909,337
72$1,138,632$39,275$0$961,256
73$1,214,074$501$0$1,017,546
74$1,295,929$0$0$1,078,639
75$1,384,811$0$0$1,152,771
76$1,481,395$0$0$1,233,440
77$1,586,423$0$0$1,321,175
78$1,700,713$0$0$1,416,659
79$1,825,163$0$0$1,520,646
80$1,960,764$0$0$1,633,963
81$2,108,602$0$0$1,757,522
82$2,269,877$0$0$1,892,326
83$2,445,907$0$0$2,039,479
84$2,638,145$0$0$2,200,198
85$2,848,187$0$0$2,375,819
86$3,077,793$0$0$2,567,817
87$3,328,901$0$0$2,777,813
88$3,603,643$0$0$3,007,593
89$3,904,367$0$0$3,259,124
90$4,233,659$0$0$3,534,570
91$4,594,366$0$0$3,836,317
92$4,989,626$0$0$4,166,991
93$5,422,891$0$0$4,529,484
94$5,897,965$0$0$4,926,980
95$6,419,038$0$0$5,362,990
96$6,990,724$0$0$5,841,376
97$7,618,106$0$0$6,366,396
98$8,306,781$0$0$6,942,737
99$9,062,918$0$0$7,575,565
100$9,893,310$0$0$8,270,568