Can I retire at age 52 with 369,000?

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 $369,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$30,472$30,200$29,935$29,677$29,425$29,178
2 years$15,085$14,804$14,532$14,268$14,012$13,763
3 years$9,957$9,675$9,403$9,141$8,890$8,647
4 years$7,393$7,112$6,843$6,586$6,340$6,105
5 years$5,855$5,576$5,310$5,059$4,820$4,593
6 years$4,831$4,553$4,292$4,045$3,814$3,595
7 years$4,099$3,824$3,566$3,326$3,102$2,892
8 years$3,550$3,278$3,025$2,790$2,573$2,372
9 years$3,124$2,854$2,605$2,377$2,167$1,975
10 years$2,783$2,515$2,271$2,049$1,846$1,663
11 years$2,504$2,239$1,999$1,783$1,588$1,413
12 years$2,272$2,010$1,774$1,564$1,376$1,209
13 years$2,076$1,816$1,585$1,381$1,200$1,041
14 years$1,908$1,651$1,424$1,226$1,052$901
15 years$1,762$1,508$1,286$1,093$926$783
16 years$1,635$1,384$1,166$979$818$682
17 years$1,523$1,274$1,061$879$726$597
18 years$1,423$1,178$969$792$645$523
19 years$1,334$1,091$887$716$575$460
20 years$1,254$1,014$814$649$514$405
21 years$1,182$945$749$589$460$357
22 years$1,116$882$690$535$412$315
23 years$1,056$825$637$487$370$279
24 years$1,002$773$589$445$332$247
25 years$951$725$546$406$299$219
26 years$905$682$506$371$270$194
27 years$862$641$470$340$243$172
28 years$822$604$437$311$219$153
29 years$786$570$407$285$198$136
30 years$751$538$379$262$179$121
31 years$719$509$353$241$162$108
32 years$689$482$329$221$146$96
33 years$661$456$308$203$132$85
34 years$634$432$287$187$120$76
35 years$610$410$269$172$109$68
36 years$586$389$251$159$98$60
37 years$564$370$235$146$89$54
38 years$543$351$220$135$81$48
39 years$523$334$206$124$73$43
40 years$504$318$193$115$66$38
41 years$487$303$181$106$60$34
42 years$470$288$170$98$55$30
43 years$454$275$160$90$50$27
44 years$438$262$150$83$45$24
45 years$424$250$141$77$41$21
46 years$410$238$132$71$37$19
47 years$397$227$124$66$34$17
48 years$384$217$117$61$31$15
49 years$372$207$110$56$28$14
50 years$360$198$103$52$25$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $369,000, adding $5,706 every year, while hoping to spend $22,054 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: 24/46/30 Blend
51$369,000$369,000$369,000$369,000
52$412,524$392,967$387,247$418,457
53$431,136$388,757$376,755$419,770
54$450,907$383,601$365,172$418,962
55$471,933$377,431$352,438$417,641
56$494,317$370,172$338,491$415,779
57$518,173$361,746$323,266$413,348
58$543,625$352,070$306,694$410,320
59$570,810$341,057$288,704$406,667
60$599,878$328,614$269,221$402,361
61$630,992$314,643$248,166$397,373
62$664,333$299,040$225,460$391,675
63$700,097$281,695$201,015$385,241
64$738,501$262,492$174,743$378,045
65$779,783$241,309$146,552$370,060
66$824,204$218,016$116,344$361,263
67$872,048$192,475$84,017$351,633
68$923,632$164,541$49,467$341,149
69$979,301$134,061$12,582$329,796
70$1,039,434$100,874$0$317,560
71$1,104,448$64,809$0$313,003
72$1,174,801$25,685$0$312,404
73$1,250,998$0$0$311,773
74$1,333,593$0$0$319,605
75$1,423,195$0$0$342,260
76$1,520,474$0$0$366,913
77$1,626,167$0$0$393,757
78$1,741,084$0$0$423,006
79$1,866,118$0$0$454,895
80$2,002,250$0$0$489,681
81$2,150,560$0$0$527,650
82$2,312,236$0$0$569,115
83$2,488,586$0$0$614,419
84$2,681,050$0$0$663,944
85$2,891,212$0$0$718,105
86$3,120,816$0$0$777,364
87$3,371,782$0$0$842,227
88$3,646,226$0$0$913,251
89$3,946,474$0$0$991,051
90$4,275,090$0$0$1,076,303
91$4,634,896$0$0$1,169,752
92$5,029,001$0$0$1,272,218
93$5,460,826$0$0$1,384,605
94$5,934,142$0$0$1,507,908
95$6,453,100$0$0$1,643,223
96$7,022,273$0$0$1,791,757
97$7,646,696$0$0$1,954,842
98$8,331,918$0$0$2,133,941
99$9,084,047$0$0$2,330,669
100$9,909,816$0$0$2,546,804