Can I retire at age 52 with 366,000?

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 $366,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$30,224$29,955$29,692$29,436$29,185$28,206
2 years$14,962$14,684$14,414$14,152$13,898$12,921
3 years$9,876$9,596$9,327$9,067$8,817$7,873
4 years$7,333$7,054$6,787$6,532$6,289$5,385
5 years$5,808$5,530$5,267$5,018$4,780$3,919
6 years$4,791$4,516$4,257$4,013$3,783$2,965
7 years$4,065$3,793$3,537$3,299$3,076$2,302
8 years$3,521$3,251$3,000$2,767$2,552$1,820
9 years$3,098$2,831$2,584$2,357$2,149$1,459
10 years$2,760$2,495$2,253$2,032$1,831$1,182
11 years$2,484$2,221$1,983$1,768$1,575$965
12 years$2,253$1,994$1,760$1,551$1,365$793
13 years$2,059$1,802$1,572$1,369$1,190$654
14 years$1,892$1,638$1,413$1,216$1,043$543
15 years$1,748$1,496$1,276$1,084$919$451
16 years$1,622$1,373$1,157$971$812$376
17 years$1,510$1,264$1,052$872$720$315
18 years$1,412$1,168$961$786$640$263
19 years$1,323$1,083$880$710$570$221
20 years$1,244$1,006$807$643$510$186
21 years$1,172$937$742$584$456$156
22 years$1,107$875$684$531$409$131
23 years$1,048$818$632$483$367$110
24 years$993$766$584$441$330$93
25 years$944$719$541$403$297$78
26 years$898$676$502$368$267$66
27 years$855$636$466$337$241$56
28 years$816$599$433$309$217$47
29 years$779$566$403$283$196$40
30 years$745$534$376$260$177$34
31 years$713$505$350$239$160$28
32 years$683$478$327$219$145$24
33 years$655$452$305$202$131$20
34 years$629$429$285$186$119$17
35 years$605$407$266$171$108$14
36 years$581$386$249$157$98$12
37 years$559$367$233$145$88$10
38 years$539$348$218$134$80$9
39 years$519$331$205$123$73$7
40 years$500$315$192$114$66$6
41 years$483$300$180$105$60$5
42 years$466$286$169$97$54$4
43 years$450$272$158$89$49$4
44 years$435$260$149$82$45$3
45 years$420$247$140$76$41$3
46 years$407$236$131$70$37$2
47 years$393$225$123$65$33$2
48 years$381$215$116$60$30$2
49 years$369$205$109$56$28$1
50 years$357$196$102$51$25$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $366,000, adding $5,142 every year, while hoping to spend $26,954 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: 40/33/27 Blend
51$366,000$366,000$366,000$366,000
52$408,636$389,238$383,565$421,551
53$421,638$379,632$367,736$421,783
54$435,063$368,652$350,472$419,142
55$448,925$356,201$331,699$415,766
56$463,240$342,180$311,336$411,603
57$478,024$326,480$289,299$406,601
58$493,293$308,988$265,501$400,704
59$509,065$289,584$239,851$393,851
60$525,357$268,141$212,253$385,980
61$542,188$244,525$182,609$377,026
62$559,579$218,594$150,814$366,920
63$577,549$190,199$116,759$355,587
64$596,120$159,179$80,332$342,952
65$615,315$125,370$41,413$328,933
66$635,156$88,593$0$313,445
67$655,670$48,662$0$296,433
68$676,882$5,379$0$290,503
69$698,819$0$0$283,651
70$721,509$0$0$290,870
71$744,983$0$0$300,362
72$769,273$0$0$310,186
73$794,412$0$0$320,356
74$820,435$0$0$330,888
75$847,380$0$0$341,797
76$875,287$0$0$353,098
77$904,195$0$0$364,810
78$934,151$0$0$376,951
79$965,201$0$0$389,541
80$997,395$0$0$402,601
81$1,030,785$0$0$416,152
82$1,065,429$0$0$430,219
83$1,101,385$0$0$444,827
84$1,138,718$0$0$460,002
85$1,177,497$0$0$475,775
86$1,217,793$0$0$492,175
87$1,259,686$0$0$509,235
88$1,303,259$0$0$526,992
89$1,348,602$0$0$545,483
90$1,395,810$0$0$564,750
91$1,444,988$0$0$584,836
92$1,496,246$0$0$605,789
93$1,549,704$0$0$627,660
94$1,605,492$0$0$650,505
95$1,663,748$0$0$674,382
96$1,724,623$0$0$699,357
97$1,788,279$0$0$725,500
98$1,854,891$0$0$752,885
99$1,924,651$0$0$781,596
100$1,997,764$0$0$811,720