Can I retire at age 52 with 363,000?

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 $363,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$29,976$29,709$29,449$29,194$28,946$27,897
2 years$14,840$14,563$14,295$14,036$13,784$12,738
3 years$9,795$9,517$9,250$8,993$8,745$7,736
4 years$7,273$6,996$6,732$6,479$6,237$5,272
5 years$5,760$5,485$5,224$4,976$4,741$3,823
6 years$4,752$4,479$4,222$3,980$3,752$2,881
7 years$4,032$3,761$3,508$3,272$3,051$2,228
8 years$3,493$3,224$2,975$2,745$2,531$1,754
9 years$3,073$2,807$2,563$2,338$2,132$1,400
10 years$2,738$2,475$2,234$2,015$1,816$1,129
11 years$2,463$2,203$1,967$1,754$1,562$918
12 years$2,235$1,977$1,746$1,538$1,354$750
13 years$2,042$1,787$1,560$1,358$1,180$617
14 years$1,877$1,624$1,401$1,206$1,035$509
15 years$1,733$1,484$1,265$1,075$911$421
16 years$1,608$1,361$1,147$963$805$349
17 years$1,498$1,254$1,044$865$714$291
18 years$1,400$1,158$953$780$635$242
19 years$1,312$1,074$872$704$566$202
20 years$1,234$998$801$638$505$169
21 years$1,163$929$736$579$452$141
22 years$1,098$867$679$526$405$118
23 years$1,039$811$627$479$364$99
24 years$985$760$580$437$327$83
25 years$936$713$537$399$294$69
26 years$890$670$498$365$265$58
27 years$848$631$462$334$239$49
28 years$809$595$430$306$216$41
29 years$773$561$400$281$195$34
30 years$739$530$372$258$176$29
31 years$707$501$347$237$159$24
32 years$678$474$324$218$144$20
33 years$650$449$303$200$130$17
34 years$624$425$283$184$118$14
35 years$600$403$264$169$107$12
36 years$577$383$247$156$97$10
37 years$555$364$231$144$88$9
38 years$534$346$217$133$80$7
39 years$515$329$203$122$72$6
40 years$496$313$190$113$65$5
41 years$479$298$178$104$59$4
42 years$462$283$167$96$54$4
43 years$446$270$157$89$49$3
44 years$431$257$147$82$44$3
45 years$417$245$138$76$40$2
46 years$403$234$130$70$37$2
47 years$390$223$122$64$33$1
48 years$378$213$115$60$30$1
49 years$366$204$108$55$27$1
50 years$354$195$101$51$25$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $363,000, adding $4,348 every year, while hoping to spend $22,405 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: 86/5/9 Blend
51$363,000$363,000$363,000$363,000
52$404,511$385,272$379,645$438,465
53$421,932$380,312$368,525$456,321
54$440,380$374,357$356,281$472,423
55$459,934$367,336$342,852$489,410
56$480,684$359,173$328,174$507,356
57$502,727$349,785$312,181$526,343
58$526,167$339,087$294,801$546,460
59$551,122$326,988$275,963$567,804
60$577,718$313,391$255,589$590,486
61$606,093$298,196$233,599$614,622
62$636,401$281,293$209,910$640,345
63$668,806$262,569$184,436$667,797
64$703,494$241,904$157,083$697,139
65$740,663$219,171$127,758$728,543
66$780,534$194,233$96,362$762,203
67$823,348$166,950$62,789$798,330
68$869,370$137,171$26,933$837,157
69$918,890$104,737$0$878,940
70$972,229$69,481$0$925,052
71$1,029,735$31,224$0$977,545
72$1,091,795$0$0$1,034,187
73$1,158,831$0$0$1,095,930
74$1,231,308$0$0$1,164,545
75$1,309,738$0$0$1,238,799
76$1,394,682$0$0$1,319,225
77$1,486,758$0$0$1,406,407
78$1,586,645$0$0$1,500,989
79$1,695,090$0$0$1,603,679
80$1,812,914$0$0$1,715,256
81$1,941,022$0$0$1,836,575
82$2,080,407$0$0$1,968,580
83$2,232,163$0$0$2,112,306
84$2,397,495$0$0$2,268,894
85$2,577,726$0$0$2,439,601
86$2,774,316$0$0$2,625,806
87$2,988,867$0$0$2,829,032
88$3,223,148$0$0$3,050,951
89$3,479,101$0$0$3,293,407
90$3,758,869$0$0$3,558,429
91$4,064,807$0$0$3,848,249
92$4,399,510$0$0$4,165,326
93$4,765,837$0$0$4,512,369
94$5,166,932$0$0$4,892,360
95$5,606,260$0$0$5,308,580
96$6,087,638$0$0$5,764,647
97$6,615,267$0$0$6,264,543
98$7,193,775$0$0$6,812,652
99$7,828,258$0$0$7,413,806
100$8,524,332$0$0$8,073,326