Can I retire at age 52 with 364,000?

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 $364,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$30,059$29,791$29,530$29,275$29,026$28,451
2 years$14,881$14,603$14,335$14,074$13,822$13,246
3 years$9,822$9,544$9,276$9,018$8,769$8,209
4 years$7,293$7,015$6,750$6,497$6,254$5,714
5 years$5,776$5,500$5,238$4,990$4,754$4,237
6 years$4,765$4,491$4,233$3,991$3,762$3,267
7 years$4,043$3,772$3,518$3,281$3,059$2,587
8 years$3,502$3,233$2,984$2,752$2,538$2,088
9 years$3,081$2,815$2,570$2,344$2,137$1,709
10 years$2,745$2,481$2,240$2,021$1,821$1,415
11 years$2,470$2,209$1,972$1,759$1,566$1,181
12 years$2,241$1,983$1,750$1,543$1,357$993
13 years$2,048$1,792$1,564$1,362$1,184$840
14 years$1,882$1,629$1,405$1,209$1,038$713
15 years$1,738$1,488$1,269$1,078$914$608
16 years$1,613$1,365$1,150$965$807$520
17 years$1,502$1,257$1,047$867$716$446
18 years$1,404$1,162$955$782$637$383
19 years$1,316$1,077$875$706$567$330
20 years$1,237$1,000$803$640$507$284
21 years$1,166$932$738$581$454$246
22 years$1,101$870$681$528$407$212
23 years$1,042$814$628$481$365$184
24 years$988$762$581$438$328$159
25 years$938$715$538$400$295$138
26 years$893$672$499$366$266$120
27 years$850$633$464$335$240$104
28 years$811$596$431$307$216$90
29 years$775$562$401$282$195$78
30 years$741$531$374$258$176$68
31 years$709$502$348$237$160$59
32 years$680$475$325$218$144$51
33 years$652$450$303$201$131$45
34 years$626$426$283$185$118$39
35 years$601$404$265$170$107$34
36 years$578$384$248$156$97$29
37 years$556$365$232$144$88$26
38 years$536$347$217$133$80$22
39 years$516$330$204$123$72$19
40 years$498$314$191$113$66$17
41 years$480$298$179$104$59$15
42 years$463$284$168$96$54$13
43 years$448$271$157$89$49$11
44 years$432$258$148$82$44$10
45 years$418$246$139$76$40$8
46 years$404$235$130$70$37$7
47 years$391$224$122$65$33$6
48 years$379$214$115$60$30$6
49 years$367$204$108$55$27$5
50 years$355$195$102$51$25$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $364,000, adding $5,132 every year, while hoping to spend $29,357 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: 53/18/29 Blend
51$364,000$364,000$364,000$364,000
52$406,422$387,130$381,488$424,426
53$416,641$374,863$363,032$425,199
54$426,919$361,012$342,974$422,646
55$437,230$345,467$321,229$419,290
56$447,546$328,114$297,709$415,065
57$457,835$308,830$272,321$409,902
58$468,059$287,488$244,969$403,727
59$478,177$263,951$215,551$396,458
60$488,142$238,075$183,963$388,011
61$497,900$209,709$150,094$378,292
62$507,394$178,692$113,829$367,203
63$516,554$144,855$75,049$354,636
64$525,308$108,017$33,628$340,475
65$533,570$67,991$0$324,599
66$541,248$24,576$0$310,144
67$548,236$0$0$305,014
68$554,418$0$0$303,125
69$559,664$0$0$305,537
70$563,828$0$0$307,298
71$566,751$0$0$308,311
72$568,252$0$0$308,473
73$568,133$0$0$307,665
74$566,172$0$0$305,759
75$562,123$0$0$302,610
76$555,715$0$0$298,057
77$546,646$0$0$291,925
78$534,580$0$0$284,016
79$519,147$0$0$274,114
80$499,937$0$0$261,977
81$476,493$0$0$247,339
82$448,314$0$0$229,906
83$414,841$0$0$209,350
84$375,460$0$0$185,311
85$329,488$0$0$157,390
86$276,173$0$0$125,147
87$214,682$0$0$88,093
88$144,094$0$0$45,691
89$63,393$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0