Can I retire at age 52 with 360,000?

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 $360,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$29,728$29,464$29,205$28,953$28,707$27,633
2 years$14,717$14,443$14,177$13,920$13,670$12,601
3 years$9,714$9,439$9,174$8,919$8,673$7,641
4 years$7,213$6,938$6,676$6,425$6,186$5,200
5 years$5,713$5,440$5,181$4,935$4,702$3,765
6 years$4,713$4,442$4,187$3,947$3,721$2,832
7 years$3,999$3,730$3,479$3,245$3,026$2,186
8 years$3,464$3,198$2,951$2,722$2,510$1,719
9 years$3,048$2,784$2,542$2,319$2,114$1,369
10 years$2,715$2,454$2,216$1,999$1,801$1,102
11 years$2,443$2,185$1,951$1,739$1,549$894
12 years$2,217$1,961$1,731$1,526$1,342$729
13 years$2,025$1,772$1,547$1,347$1,171$598
14 years$1,861$1,611$1,390$1,196$1,026$492
15 years$1,719$1,471$1,255$1,066$904$407
16 years$1,595$1,350$1,138$955$799$337
17 years$1,486$1,243$1,035$858$708$279
18 years$1,388$1,149$945$773$630$232
19 years$1,302$1,065$865$699$561$193
20 years$1,224$989$794$633$501$161
21 years$1,153$922$730$574$449$134
22 years$1,089$860$673$522$402$112
23 years$1,031$805$621$475$361$94
24 years$977$754$575$434$324$78
25 years$928$707$532$396$292$66
26 years$883$665$494$362$263$55
27 years$841$626$458$331$237$46
28 years$802$590$426$304$214$38
29 years$766$556$397$278$193$32
30 years$733$525$369$256$175$27
31 years$701$497$344$235$158$23
32 years$672$470$321$216$143$19
33 years$645$445$300$198$129$16
34 years$619$422$280$183$117$13
35 years$595$400$262$168$106$11
36 years$572$380$245$155$96$9
37 years$550$361$229$143$87$8
38 years$530$343$215$131$79$7
39 years$510$326$201$121$72$5
40 years$492$310$189$112$65$5
41 years$475$295$177$103$59$4
42 years$458$281$166$95$53$3
43 years$443$268$156$88$48$3
44 years$428$255$146$81$44$2
45 years$414$243$137$75$40$2
46 years$400$232$129$69$36$2
47 years$387$222$121$64$33$1
48 years$375$212$114$59$30$1
49 years$363$202$107$55$27$1
50 years$351$193$101$50$25$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $360,000, adding $3,514 every year, while hoping to spend $26,335 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: 71/21/8 Blend
51$360,000$360,000$360,000$360,000
52$400,345$381,265$375,685$427,979
53$413,160$371,926$360,250$437,374
54$426,399$361,248$343,415$444,064
55$440,078$349,136$325,106$450,663
56$454,214$335,491$305,245$457,155
57$468,823$320,209$283,750$463,524
58$483,922$303,179$260,535$469,753
59$499,531$284,284$235,512$475,822
60$515,669$263,399$208,587$481,713
61$532,357$240,395$179,664$487,404
62$549,615$215,132$148,641$492,874
63$567,467$187,465$115,411$498,099
64$585,936$157,238$79,865$503,055
65$605,048$124,289$41,887$507,716
66$624,828$88,445$1,356$512,054
67$645,305$49,523$0$516,042
68$666,508$7,331$0$523,225
69$688,468$0$0$530,352
70$711,219$0$0$546,143
71$734,795$0$0$564,263
72$759,232$0$0$583,048
73$784,572$0$0$602,528
74$810,855$0$0$622,735
75$838,126$0$0$643,704
76$866,432$0$0$665,472
77$895,824$0$0$688,077
78$926,356$0$0$711,561
79$958,086$0$0$735,971
80$991,075$0$0$761,352
81$1,025,391$0$0$787,757
82$1,061,103$0$0$815,241
83$1,098,288$0$0$843,864
84$1,137,027$0$0$873,688
85$1,177,410$0$0$904,782
86$1,219,531$0$0$937,220
87$1,263,492$0$0$971,081
88$1,309,403$0$0$1,006,451
89$1,357,384$0$0$1,043,424
90$1,407,563$0$0$1,082,098
91$1,460,079$0$0$1,122,583
92$1,515,084$0$0$1,164,996
93$1,572,741$0$0$1,209,465
94$1,633,228$0$0$1,256,126
95$1,696,736$0$0$1,305,131
96$1,763,474$0$0$1,356,643
97$1,833,671$0$0$1,410,837
98$1,907,573$0$0$1,467,908
99$1,985,449$0$0$1,528,065
100$2,067,593$0$0$1,591,536