Can I retire at age 52 with 373,000?

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 $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%13.8%
1 years$30,802$30,528$30,260$29,999$29,744$29,275
2 years$15,249$14,965$14,689$14,422$14,164$13,693
3 years$10,065$9,779$9,505$9,241$8,986$8,527
4 years$7,473$7,189$6,917$6,657$6,409$5,966
5 years$5,919$5,636$5,368$5,113$4,872$4,446
6 years$4,883$4,602$4,338$4,089$3,855$3,447
7 years$4,143$3,865$3,605$3,362$3,135$2,745
8 years$3,589$3,313$3,057$2,820$2,601$2,229
9 years$3,158$2,885$2,633$2,402$2,190$1,836
10 years$2,813$2,543$2,296$2,071$1,866$1,529
11 years$2,531$2,264$2,021$1,802$1,605$1,284
12 years$2,297$2,032$1,794$1,581$1,391$1,087
13 years$2,098$1,836$1,603$1,396$1,213$925
14 years$1,928$1,669$1,440$1,239$1,063$791
15 years$1,781$1,525$1,300$1,105$936$679
16 years$1,653$1,399$1,179$989$827$584
17 years$1,539$1,288$1,073$889$734$505
18 years$1,439$1,190$979$801$652$437
19 years$1,349$1,103$896$724$581$379
20 years$1,268$1,025$823$656$519$329
21 years$1,195$955$757$595$465$287
22 years$1,128$891$697$541$417$250
23 years$1,068$834$644$493$374$218
24 years$1,012$781$595$449$336$190
25 years$962$733$552$410$302$166
26 years$915$689$512$375$272$145
27 years$871$648$475$343$246$127
28 years$831$611$442$315$222$111
29 years$794$576$411$289$200$97
30 years$759$544$383$265$181$85
31 years$727$515$357$243$163$75
32 years$696$487$333$224$148$66
33 years$668$461$311$206$134$58
34 years$641$437$290$189$121$50
35 years$616$414$272$174$110$44
36 years$592$393$254$160$99$39
37 years$570$374$238$148$90$34
38 years$549$355$223$136$82$30
39 years$529$338$209$126$74$26
40 years$510$321$196$116$67$23
41 years$492$306$183$107$61$20
42 years$475$291$172$99$55$18
43 years$459$277$161$91$50$16
44 years$443$265$151$84$46$14
45 years$428$252$142$78$41$12
46 years$414$241$134$72$38$11
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 $3,697 every year, while hoping to spend $27,974 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: 52/38/10 Blend
51$373,000$373,000$373,000$373,000
52$414,859$395,090$389,309$435,171
53$427,411$384,686$372,587$439,006
54$440,305$372,834$354,367$439,858
55$453,548$359,434$334,569$440,132
56$467,143$344,380$313,111$439,779
57$481,096$327,559$289,905$438,748
58$495,411$308,853$264,860$436,986
59$510,092$288,135$237,881$434,433
60$525,140$265,272$208,869$431,030
61$540,559$240,125$177,720$426,709
62$556,348$212,544$144,327$421,402
63$572,509$182,371$108,575$415,033
64$589,040$149,442$70,347$407,525
65$605,937$113,581$29,519$398,792
66$623,199$74,602$0$388,746
67$640,817$32,310$0$378,791
68$658,786$0$0$370,785
69$677,094$0$0$367,129
70$695,730$0$0$377,150
71$714,678$0$0$387,330
72$733,921$0$0$397,657
73$753,436$0$0$408,119
74$773,198$0$0$418,699
75$793,177$0$0$429,380
76$813,340$0$0$440,142
77$833,646$0$0$450,961
78$854,049$0$0$461,811
79$874,498$0$0$472,659
80$894,933$0$0$483,473
81$915,285$0$0$494,211
82$935,480$0$0$504,829
83$955,430$0$0$515,277
84$975,037$0$0$525,498
85$994,192$0$0$535,428
86$1,012,772$0$0$544,994
87$1,030,637$0$0$554,118
88$1,047,634$0$0$562,709
89$1,063,588$0$0$570,666
90$1,078,306$0$0$577,877
91$1,091,571$0$0$584,218
92$1,103,143$0$0$589,548
93$1,112,753$0$0$593,713
94$1,120,100$0$0$596,539
95$1,124,854$0$0$597,836
96$1,126,643$0$0$597,388
97$1,125,057$0$0$594,961
98$1,119,640$0$0$590,289
99$1,109,884$0$0$583,083
100$1,095,229$0$0$573,017