Can I retire at age 52 with 366,000?

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 $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%13.4%
1 years$30,224$29,955$29,692$29,436$29,185$28,773
2 years$14,962$14,684$14,414$14,152$13,898$13,483
3 years$9,876$9,596$9,327$9,067$8,817$8,413
4 years$7,333$7,054$6,787$6,532$6,289$5,898
5 years$5,808$5,530$5,267$5,018$4,780$4,405
6 years$4,791$4,516$4,257$4,013$3,783$3,422
7 years$4,065$3,793$3,537$3,299$3,076$2,732
8 years$3,521$3,251$3,000$2,767$2,552$2,223
9 years$3,098$2,831$2,584$2,357$2,149$1,835
10 years$2,760$2,495$2,253$2,032$1,831$1,532
11 years$2,484$2,221$1,983$1,768$1,575$1,290
12 years$2,253$1,994$1,760$1,551$1,365$1,095
13 years$2,059$1,802$1,572$1,369$1,190$934
14 years$1,892$1,638$1,413$1,216$1,043$801
15 years$1,748$1,496$1,276$1,084$919$689
16 years$1,622$1,373$1,157$971$812$595
17 years$1,510$1,264$1,052$872$720$515
18 years$1,412$1,168$961$786$640$447
19 years$1,323$1,083$880$710$570$389
20 years$1,244$1,006$807$643$510$339
21 years$1,172$937$742$584$456$296
22 years$1,107$875$684$531$409$259
23 years$1,048$818$632$483$367$226
24 years$993$766$584$441$330$198
25 years$944$719$541$403$297$174
26 years$898$676$502$368$267$152
27 years$855$636$466$337$241$134
28 years$816$599$433$309$217$117
29 years$779$566$403$283$196$103
30 years$745$534$376$260$177$91
31 years$713$505$350$239$160$80
32 years$683$478$327$219$145$70
33 years$655$452$305$202$131$62
34 years$629$429$285$186$119$54
35 years$605$407$266$171$108$48
36 years$581$386$249$157$98$42
37 years$559$367$233$145$88$37
38 years$539$348$218$134$80$33
39 years$519$331$205$123$73$29
40 years$500$315$192$114$66$25
41 years$483$300$180$105$60$22
42 years$466$286$169$97$54$20
43 years$450$272$158$89$49$17
44 years$435$260$149$82$45$15
45 years$420$247$140$76$41$13
46 years$407$236$131$70$37$12
47 years$393$225$123$65$33$10
48 years$381$215$116$60$30$9
49 years$369$205$109$56$28$8
50 years$357$196$102$51$25$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $366,000, adding $3,958 every year, while hoping to spend $20,610 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: 36/36/28 Blend
51$366,000$366,000$366,000$366,000
52$407,415$388,017$382,344$418,543
53$427,042$385,101$373,223$424,247
54$447,981$381,351$363,107$428,254
55$470,343$376,705$351,939$432,184
56$494,250$371,096$339,661$436,045
57$519,839$364,455$326,215$439,846
58$547,255$356,706$311,536$443,598
59$576,661$347,771$295,558$447,317
60$608,235$337,565$278,214$451,023
61$642,171$326,002$259,430$454,738
62$678,683$312,987$239,131$458,491
63$718,006$298,421$217,239$462,313
64$760,398$282,199$193,672$466,245
65$806,142$264,210$168,344$470,332
66$855,550$244,338$141,166$474,628
67$908,964$222,459$112,043$479,194
68$966,760$198,441$80,877$484,102
69$1,029,351$172,146$47,569$489,435
70$1,097,192$143,428$12,009$495,286
71$1,170,783$112,133$0$501,763
72$1,250,672$78,097$0$516,739
73$1,337,465$41,148$0$536,938
74$1,431,826$1,104$0$558,961
75$1,534,487$0$0$583,026
76$1,646,253$0$0$626,104
77$1,768,010$0$0$673,557
78$1,900,732$0$0$725,333
79$2,045,491$0$0$781,857
80$2,203,469$0$0$843,597
81$2,375,964$0$0$911,066
82$2,564,408$0$0$984,833
83$2,770,376$0$0$1,065,520
84$2,995,600$0$0$1,153,814
85$3,241,991$0$0$1,250,472
86$3,511,650$0$0$1,356,327
87$3,806,892$0$0$1,472,296
88$4,130,265$0$0$1,599,388
89$4,484,578$0$0$1,738,717
90$4,872,921$0$0$1,891,508
91$5,298,699$0$0$2,059,110
92$5,765,661$0$0$2,243,009
93$6,277,938$0$0$2,444,843
94$6,840,079$0$0$2,666,414
95$7,457,095$0$0$2,909,711
96$8,134,505$0$0$3,176,920
97$8,878,390$0$0$3,470,452
98$9,695,447$0$0$3,792,964
99$10,593,055$0$0$4,147,381
100$11,579,343$0$0$4,536,925