Can I retire at age 52 with 359,000?

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 $359,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$29,646$29,382$29,124$28,873$28,627$28,483
2 years$14,676$14,403$14,138$13,881$13,632$13,486
3 years$9,687$9,412$9,148$8,894$8,649$8,506
4 years$7,193$6,919$6,658$6,407$6,168$6,030
5 years$5,697$5,425$5,167$4,922$4,689$4,555
6 years$4,700$4,430$4,175$3,936$3,710$3,581
7 years$3,988$3,720$3,470$3,236$3,017$2,894
8 years$3,454$3,189$2,943$2,714$2,503$2,384
9 years$3,039$2,776$2,534$2,312$2,108$1,994
10 years$2,707$2,447$2,210$1,993$1,796$1,687
11 years$2,436$2,179$1,945$1,735$1,545$1,440
12 years$2,210$1,955$1,726$1,521$1,339$1,239
13 years$2,019$1,767$1,542$1,343$1,167$1,072
14 years$1,856$1,606$1,386$1,192$1,023$933
15 years$1,714$1,467$1,251$1,063$901$815
16 years$1,591$1,346$1,134$952$796$714
17 years$1,481$1,240$1,032$855$706$628
18 years$1,385$1,146$942$771$628$554
19 years$1,298$1,062$863$697$560$490
20 years$1,220$987$792$631$500$434
21 years$1,150$919$728$573$447$385
22 years$1,086$858$671$521$401$342
23 years$1,028$802$620$474$360$304
24 years$974$752$573$432$323$271
25 years$926$706$531$395$291$241
26 years$880$663$492$361$262$216
27 years$839$624$457$331$236$192
28 years$800$588$425$303$213$172
29 years$764$555$395$278$193$154
30 years$731$524$368$255$174$138
31 years$700$495$343$234$157$123
32 years$670$469$320$215$142$110
33 years$643$444$299$198$129$99
34 years$617$421$280$182$117$89
35 years$593$399$261$168$106$80
36 years$570$379$244$154$96$71
37 years$549$360$229$142$87$64
38 years$528$342$214$131$79$57
39 years$509$325$201$121$71$52
40 years$491$309$188$111$65$46
41 years$474$294$176$103$59$42
42 years$457$280$166$95$53$37
43 years$441$267$155$88$48$34
44 years$427$255$146$81$44$30
45 years$412$243$137$75$40$27
46 years$399$232$129$69$36$24
47 years$386$221$121$64$33$22
48 years$374$211$114$59$30$20
49 years$362$201$107$54$27$18
50 years$351$192$100$50$25$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $359,000, adding $4,808 every year, while hoping to spend $25,718 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: 56/31/13 Blend
51$359,000$359,000$359,000$359,000
52$400,577$381,550$375,986$421,416
53$414,073$372,883$361,218$427,419
54$428,082$362,928$345,093$430,728
55$442,632$351,597$327,539$433,731
56$457,748$338,793$308,479$436,406
57$473,461$324,416$287,835$438,726
58$489,800$308,359$265,524$440,665
59$506,799$290,508$241,459$442,194
60$524,494$270,744$215,549$443,286
61$542,923$248,941$187,701$443,909
62$562,127$224,965$157,814$444,033
63$582,151$198,675$125,787$443,625
64$603,041$169,921$91,512$442,651
65$624,850$138,546$54,876$441,077
66$647,632$104,382$15,763$438,868
67$671,449$67,255$0$435,987
68$696,364$26,978$0$435,999
69$722,448$0$0$437,831
70$749,776$0$0$444,951
71$778,432$0$0$462,076
72$808,504$0$0$480,058
73$840,090$0$0$498,955
74$873,295$0$0$518,833
75$908,234$0$0$539,761
76$945,031$0$0$561,816
77$983,822$0$0$585,082
78$1,024,755$0$0$609,648
79$1,067,992$0$0$635,613
80$1,113,709$0$0$663,087
81$1,162,097$0$0$692,186
82$1,213,367$0$0$723,039
83$1,267,748$0$0$755,787
84$1,325,489$0$0$790,584
85$1,386,866$0$0$827,598
86$1,452,178$0$0$867,013
87$1,521,754$0$0$909,030
88$1,595,951$0$0$953,872
89$1,675,165$0$0$1,001,779
90$1,759,826$0$0$1,053,017
91$1,850,406$0$0$1,107,877
92$1,947,425$0$0$1,166,676
93$2,051,451$0$0$1,229,767
94$2,163,107$0$0$1,297,531
95$2,283,078$0$0$1,370,390
96$2,412,115$0$0$1,448,807
97$2,551,042$0$0$1,533,290
98$2,700,767$0$0$1,624,396
99$2,862,283$0$0$1,722,738
100$3,036,684$0$0$1,828,990