Can I retire at age 52 with 358,000?

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 $358,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$29,563$29,300$29,043$28,792$28,547$27,447
2 years$14,635$14,363$14,099$13,842$13,594$12,499
3 years$9,660$9,386$9,123$8,869$8,625$7,569
4 years$7,173$6,900$6,639$6,390$6,151$5,143
5 years$5,681$5,410$5,152$4,908$4,676$3,717
6 years$4,687$4,417$4,164$3,925$3,700$2,792
7 years$3,977$3,710$3,460$3,227$3,009$2,152
8 years$3,444$3,180$2,934$2,707$2,496$1,688
9 years$3,031$2,769$2,527$2,306$2,102$1,343
10 years$2,700$2,440$2,203$1,988$1,791$1,078
11 years$2,429$2,173$1,940$1,730$1,541$873
12 years$2,204$1,950$1,722$1,517$1,335$711
13 years$2,014$1,762$1,538$1,339$1,164$582
14 years$1,851$1,602$1,382$1,189$1,020$478
15 years$1,710$1,463$1,248$1,060$898$394
16 years$1,586$1,343$1,131$949$794$326
17 years$1,477$1,236$1,029$853$704$269
18 years$1,381$1,143$940$769$626$223
19 years$1,294$1,059$860$695$558$186
20 years$1,217$984$790$629$498$154
21 years$1,147$917$726$571$446$128
22 years$1,083$856$669$519$400$107
23 years$1,025$800$618$473$359$89
24 years$972$750$572$431$323$74
25 years$923$704$529$394$290$62
26 years$878$661$491$360$261$52
27 years$836$622$456$330$236$43
28 years$798$586$424$302$213$36
29 years$762$553$394$277$192$30
30 years$729$522$367$254$174$25
31 years$698$494$342$233$157$21
32 years$668$467$320$215$142$18
33 years$641$443$298$197$128$15
34 years$615$419$279$182$116$12
35 years$591$398$261$167$105$10
36 years$569$378$244$154$95$9
37 years$547$359$228$142$86$7
38 years$527$341$214$131$78$6
39 years$508$324$200$120$71$5
40 years$489$308$188$111$65$4
41 years$472$294$176$103$59$3
42 years$456$280$165$95$53$3
43 years$440$266$155$87$48$2
44 years$425$254$145$81$44$2
45 years$411$242$137$74$40$2
46 years$398$231$128$69$36$1
47 years$385$220$120$64$33$1
48 years$373$210$113$59$30$1
49 years$361$201$106$54$27$1
50 years$350$192$100$50$25$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $358,000, adding $3,169 every year, while hoping to spend $21,661 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: 46/41/13 Blend
51$358,000$358,000$358,000$358,000
52$397,785$378,811$373,262$414,484
53$415,312$374,325$362,719$421,901
54$433,900$368,894$351,097$427,479
55$453,636$362,448$338,337$433,050
56$474,613$354,914$324,377$438,622
57$496,932$346,213$309,152$444,206
58$520,706$336,265$292,596$449,813
59$546,057$324,981$274,637$455,458
60$573,120$312,269$255,202$461,161
61$602,041$298,033$234,214$466,943
62$632,981$282,169$211,592$472,832
63$666,118$264,568$187,253$478,858
64$701,644$245,115$161,108$485,058
65$739,774$223,687$133,067$491,476
66$780,739$200,155$103,033$498,161
67$824,796$174,385$70,906$505,172
68$872,226$146,230$36,582$512,575
69$923,337$115,540$0$520,446
70$978,470$82,154$0$528,880
71$1,037,997$45,902$0$543,386
72$1,102,326$6,605$0$559,015
73$1,171,908$0$0$575,913
74$1,247,238$0$0$610,453
75$1,328,859$0$0$651,142
76$1,417,369$0$0$695,301
77$1,513,425$0$0$743,264
78$1,617,751$0$0$795,395
79$1,731,142$0$0$852,098
80$1,854,472$0$0$913,815
81$1,988,705$0$0$981,033
82$2,134,900$0$0$1,054,289
83$2,294,222$0$0$1,134,172
84$2,467,954$0$0$1,221,333
85$2,657,508$0$0$1,316,485
86$2,864,438$0$0$1,420,417
87$3,090,454$0$0$1,533,993
88$3,337,440$0$0$1,658,167
89$3,607,470$0$0$1,793,991
90$3,902,824$0$0$1,942,619
91$4,226,018$0$0$2,105,324
92$4,579,819$0$0$2,283,510
93$4,967,274$0$0$2,478,718
94$5,391,739$0$0$2,692,651
95$5,856,910$0$0$2,927,178
96$6,366,858$0$0$3,184,364
97$6,926,066$0$0$3,466,480
98$7,539,471$0$0$3,776,026
99$8,212,512$0$0$4,115,759
100$8,951,180$0$0$4,488,713