Can I retire at age 52 with 356,000?

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 $356,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$29,398$29,136$28,881$28,631$28,388$28,115
2 years$14,554$14,282$14,020$13,765$13,518$13,243
3 years$9,606$9,334$9,072$8,819$8,576$8,308
4 years$7,133$6,861$6,602$6,354$6,117$5,857
5 years$5,649$5,379$5,123$4,880$4,650$4,399
6 years$4,660$4,393$4,140$3,903$3,679$3,438
7 years$3,954$3,689$3,441$3,209$2,992$2,761
8 years$3,425$3,162$2,918$2,692$2,482$2,261
9 years$3,014$2,753$2,513$2,293$2,091$1,879
10 years$2,685$2,427$2,191$1,976$1,781$1,579
11 years$2,416$2,160$1,929$1,720$1,532$1,339
12 years$2,192$1,939$1,712$1,509$1,328$1,144
13 years$2,003$1,752$1,530$1,332$1,158$983
14 years$1,840$1,593$1,374$1,182$1,015$849
15 years$1,700$1,455$1,241$1,054$893$736
16 years$1,577$1,335$1,125$944$790$641
17 years$1,469$1,230$1,024$848$700$559
18 years$1,373$1,136$934$765$623$489
19 years$1,287$1,053$855$691$555$429
20 years$1,210$978$785$626$496$377
21 years$1,140$911$722$568$444$332
22 years$1,077$851$666$516$398$292
23 years$1,019$796$615$470$357$258
24 years$966$746$568$429$321$228
25 years$918$700$526$392$289$201
26 years$873$658$488$358$260$178
27 years$832$619$453$328$234$158
28 years$793$583$421$300$212$140
29 years$758$550$392$275$191$124
30 years$725$520$365$253$173$110
31 years$694$491$341$232$156$98
32 years$665$465$318$213$141$87
33 years$638$440$297$196$128$77
34 years$612$417$277$180$116$68
35 years$588$396$259$166$105$61
36 years$565$375$242$153$95$54
37 years$544$357$227$141$86$48
38 years$524$339$213$130$78$43
39 years$505$322$199$120$71$38
40 years$487$307$187$111$64$34
41 years$470$292$175$102$58$30
42 years$453$278$164$94$53$27
43 years$438$265$154$87$48$24
44 years$423$252$145$80$43$21
45 years$409$241$136$74$39$19
46 years$396$230$128$68$36$17
47 years$383$219$120$63$33$15
48 years$370$209$113$58$30$13
49 years$359$200$106$54$27$12
50 years$348$191$99$50$24$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $356,000, adding $2,231 every year, while hoping to spend $23,793 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: 50/22/28 Blend
51$356,000$356,000$356,000$356,000
52$394,613$375,745$370,227$411,119
53$409,548$368,841$357,314$415,983
54$425,209$360,801$343,171$418,721
55$441,645$351,545$327,732$421,232
56$458,909$340,987$310,927$423,505
57$477,058$329,036$292,684$425,530
58$496,156$315,597$272,927$427,299
59$516,271$300,568$251,577$428,801
60$537,477$283,842$228,551$430,031
61$559,855$265,306$203,763$430,981
62$583,493$244,839$177,122$431,646
63$608,489$222,315$148,535$432,023
64$634,947$197,601$117,903$432,110
65$662,982$170,553$85,123$431,910
66$692,719$141,024$50,087$431,424
67$724,296$108,854$12,685$430,660
68$757,863$73,876$0$429,629
69$793,584$35,915$0$436,479
70$831,639$0$0$447,669
71$872,224$0$0$460,731
72$915,555$0$0$483,981
73$961,869$0$0$508,854
74$1,011,423$0$0$535,493
75$1,064,503$0$0$564,053
76$1,121,420$0$0$594,705
77$1,182,514$0$0$627,638
78$1,248,161$0$0$663,056
79$1,318,773$0$0$701,185
80$1,394,801$0$0$742,275
81$1,476,742$0$0$786,597
82$1,565,140$0$0$834,451
83$1,660,595$0$0$886,167
84$1,763,764$0$0$942,105
85$1,875,371$0$0$1,002,664
86$1,996,210$0$0$1,068,280
87$2,127,156$0$0$1,139,435
88$2,269,169$0$0$1,216,657
89$2,423,306$0$0$1,300,526
90$2,590,730$0$0$1,391,683
91$2,772,719$0$0$1,490,831
92$2,970,679$0$0$1,598,744
93$3,186,159$0$0$1,716,272
94$3,420,860$0$0$1,844,355
95$3,676,656$0$0$1,984,022
96$3,955,610$0$0$2,136,408
97$4,259,992$0$0$2,302,764
98$4,592,298$0$0$2,484,463
99$4,955,281$0$0$2,683,021
100$5,351,966$0$0$2,900,103