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%17.4%
1 years$30,802$30,528$30,260$29,999$29,744$28,849
2 years$15,249$14,965$14,689$14,422$14,164$13,270
3 years$10,065$9,779$9,505$9,241$8,986$8,121
4 years$7,473$7,189$6,917$6,657$6,409$5,580
5 years$5,919$5,636$5,368$5,113$4,872$4,081
6 years$4,883$4,602$4,338$4,089$3,855$3,102
7 years$4,143$3,865$3,605$3,362$3,135$2,421
8 years$3,589$3,313$3,057$2,820$2,601$1,924
9 years$3,158$2,885$2,633$2,402$2,190$1,551
10 years$2,813$2,543$2,296$2,071$1,866$1,263
11 years$2,531$2,264$2,021$1,802$1,605$1,037
12 years$2,297$2,032$1,794$1,581$1,391$857
13 years$2,098$1,836$1,603$1,396$1,213$712
14 years$1,928$1,669$1,440$1,239$1,063$594
15 years$1,781$1,525$1,300$1,105$936$497
16 years$1,653$1,399$1,179$989$827$418
17 years$1,539$1,288$1,073$889$734$351
18 years$1,439$1,190$979$801$652$296
19 years$1,349$1,103$896$724$581$250
20 years$1,268$1,025$823$656$519$211
21 years$1,195$955$757$595$465$179
22 years$1,128$891$697$541$417$152
23 years$1,068$834$644$493$374$129
24 years$1,012$781$595$449$336$109
25 years$962$733$552$410$302$93
26 years$915$689$512$375$272$79
27 years$871$648$475$343$246$67
28 years$831$611$442$315$222$57
29 years$794$576$411$289$200$48
30 years$759$544$383$265$181$41
31 years$727$515$357$243$163$35
32 years$696$487$333$224$148$30
33 years$668$461$311$206$134$25
34 years$641$437$290$189$121$22
35 years$616$414$272$174$110$18
36 years$592$393$254$160$99$16
37 years$570$374$238$148$90$13
38 years$549$355$223$136$82$11
39 years$529$338$209$126$74$10
40 years$510$321$196$116$67$8
41 years$492$306$183$107$61$7
42 years$475$291$172$99$55$6
43 years$459$277$161$91$50$5
44 years$443$265$151$84$46$4
45 years$428$252$142$78$41$4
46 years$414$241$134$72$38$3
47 years$401$230$126$66$34$3
48 years$388$219$118$61$31$2
49 years$376$209$111$57$28$2
50 years$364$200$104$52$26$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $373,000, adding $3,536 every year, while hoping to spend $21,161 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: 70/17/13 Blend
51$373,000$373,000$373,000$373,000
52$414,693$394,924$389,143$442,298
53$434,477$391,761$379,664$457,921
54$455,569$387,732$369,158$472,122
55$478,081$382,775$357,569$487,108
56$502,135$376,821$344,837$502,954
57$527,864$369,796$330,900$519,741
58$555,414$361,624$315,694$537,561
59$584,947$352,224$299,149$556,512
60$616,637$341,509$281,197$576,707
61$650,678$329,387$261,761$598,268
62$687,283$315,762$240,766$621,331
63$726,684$300,533$218,129$646,046
64$769,136$283,590$193,768$672,581
65$814,922$264,819$167,592$701,119
66$864,348$244,099$139,511$731,865
67$917,754$221,303$109,427$765,045
68$975,513$196,295$77,241$800,909
69$1,038,034$168,932$42,847$839,732
70$1,105,768$139,064$6,137$881,820
71$1,179,208$106,530$0$927,513
72$1,258,900$71,163$0$981,765
73$1,345,442$32,784$0$1,041,616
74$1,439,492$0$0$1,106,685
75$1,541,776$0$0$1,179,143
76$1,653,089$0$0$1,264,689
77$1,774,308$0$0$1,357,867
78$1,906,400$0$0$1,459,421
79$2,050,424$0$0$1,570,169
80$2,207,550$0$0$1,691,013
81$2,379,065$0$0$1,822,945
82$2,566,384$0$0$1,967,057
83$2,771,067$0$0$2,124,550
84$2,994,828$0$0$2,296,749
85$3,239,559$0$0$2,485,110
86$3,507,338$0$0$2,691,238
87$3,800,457$0$0$2,916,899
88$4,121,439$0$0$3,164,038
89$4,473,061$0$0$3,434,799
90$4,858,382$0$0$3,731,541
91$5,280,772$0$0$4,056,862
92$5,743,940$0$0$4,413,623
93$6,251,975$0$0$4,804,978
94$6,809,377$0$0$5,234,397
95$7,421,104$0$0$5,705,705
96$8,092,619$0$0$6,223,115
97$8,829,936$0$0$6,791,267
98$9,639,684$0$0$7,415,272
99$10,529,163$0$0$8,100,761
100$11,506,415$0$0$8,853,938