Can I retire at age 52 with 373,000?

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 $373,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$30,802$30,528$30,260$29,999$29,744$29,263
2 years$15,249$14,965$14,689$14,422$14,164$13,681
3 years$10,065$9,779$9,505$9,241$8,986$8,516
4 years$7,473$7,189$6,917$6,657$6,409$5,955
5 years$5,919$5,636$5,368$5,113$4,872$4,436
6 years$4,883$4,602$4,338$4,089$3,855$3,437
7 years$4,143$3,865$3,605$3,362$3,135$2,735
8 years$3,589$3,313$3,057$2,820$2,601$2,220
9 years$3,158$2,885$2,633$2,402$2,190$1,827
10 years$2,813$2,543$2,296$2,071$1,866$1,521
11 years$2,531$2,264$2,021$1,802$1,605$1,277
12 years$2,297$2,032$1,794$1,581$1,391$1,080
13 years$2,098$1,836$1,603$1,396$1,213$918
14 years$1,928$1,669$1,440$1,239$1,063$784
15 years$1,781$1,525$1,300$1,105$936$673
16 years$1,653$1,399$1,179$989$827$579
17 years$1,539$1,288$1,073$889$734$500
18 years$1,439$1,190$979$801$652$432
19 years$1,349$1,103$896$724$581$375
20 years$1,268$1,025$823$656$519$325
21 years$1,195$955$757$595$465$283
22 years$1,128$891$697$541$417$246
23 years$1,068$834$644$493$374$215
24 years$1,012$781$595$449$336$187
25 years$962$733$552$410$302$163
26 years$915$689$512$375$272$143
27 years$871$648$475$343$246$125
28 years$831$611$442$315$222$109
29 years$794$576$411$289$200$96
30 years$759$544$383$265$181$84
31 years$727$515$357$243$163$73
32 years$696$487$333$224$148$64
33 years$668$461$311$206$134$56
34 years$641$437$290$189$121$49
35 years$616$414$272$174$110$43
36 years$592$393$254$160$99$38
37 years$570$374$238$148$90$33
38 years$549$355$223$136$82$29
39 years$529$338$209$126$74$26
40 years$510$321$196$116$67$22
41 years$492$306$183$107$61$20
42 years$475$291$172$99$55$17
43 years$459$277$161$91$50$15
44 years$443$265$151$84$46$13
45 years$428$252$142$78$41$12
46 years$414$241$134$72$38$10
47 years$401$230$126$66$34$9
48 years$388$219$118$61$31$8
49 years$376$209$111$57$28$7
50 years$364$200$104$52$26$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $373,000, adding $3,598 every year, while hoping to spend $27,865 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: 38/47/15 Blend
51$373,000$373,000$373,000$373,000
52$414,757$394,988$389,207$428,514
53$427,414$384,695$372,597$428,393
54$440,429$372,963$354,497$425,315
55$453,807$359,692$334,827$421,390
56$467,556$344,778$313,505$416,555
57$481,683$328,108$290,443$410,745
58$496,193$309,564$265,552$403,891
59$511,093$289,021$238,736$395,917
60$526,388$266,346$209,897$386,747
61$542,082$241,400$178,931$376,297
62$558,180$214,035$145,731$364,480
63$574,686$184,094$110,185$351,202
64$591,602$151,412$72,173$336,365
65$608,929$115,815$31,575$319,865
66$626,669$77,119$0$301,591
67$644,821$35,130$0$283,308
68$663,383$0$0$268,526
69$682,350$0$0$257,436
70$701,719$0$0$264,655
71$721,480$0$0$272,011
72$741,626$0$0$279,498
73$762,142$0$0$287,111
74$783,015$0$0$294,843
75$804,225$0$0$302,684
76$825,752$0$0$310,624
77$847,568$0$0$318,652
78$869,643$0$0$326,753
79$891,942$0$0$334,913
80$914,424$0$0$343,111
81$937,041$0$0$351,328
82$959,740$0$0$359,540
83$982,458$0$0$367,719
84$1,005,126$0$0$375,835
85$1,027,663$0$0$383,853
86$1,049,979$0$0$391,734
87$1,071,972$0$0$399,433
88$1,093,529$0$0$406,902
89$1,114,518$0$0$414,084
90$1,134,796$0$0$420,918
91$1,154,201$0$0$427,334
92$1,172,550$0$0$433,253
93$1,189,639$0$0$438,590
94$1,205,244$0$0$443,248
95$1,219,108$0$0$447,118
96$1,230,952$0$0$450,081
97$1,240,459$0$0$452,002
98$1,247,281$0$0$452,734
99$1,251,028$0$0$452,111
100$1,251,267$0$0$449,951