Can I retire at age 52 with 375,000?

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 $375,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$30,967$30,691$30,422$30,160$29,903$29,145
2 years$15,330$15,045$14,768$14,500$14,240$13,480
3 years$10,119$9,832$9,556$9,290$9,034$8,298
4 years$7,513$7,227$6,954$6,693$6,443$5,736
5 years$5,951$5,666$5,397$5,141$4,898$4,221
6 years$4,909$4,627$4,361$4,111$3,876$3,230
7 years$4,165$3,886$3,624$3,380$3,152$2,538
8 years$3,608$3,331$3,074$2,835$2,615$2,032
9 years$3,175$2,900$2,647$2,415$2,202$1,649
10 years$2,828$2,556$2,308$2,082$1,876$1,354
11 years$2,545$2,276$2,032$1,812$1,614$1,120
12 years$2,309$2,043$1,803$1,589$1,398$933
13 years$2,109$1,846$1,611$1,403$1,219$781
14 years$1,939$1,678$1,448$1,245$1,069$657
15 years$1,791$1,533$1,307$1,111$941$555
16 years$1,661$1,406$1,185$995$832$470
17 years$1,547$1,295$1,078$894$738$399
18 years$1,446$1,197$984$805$656$339
19 years$1,356$1,109$901$728$585$289
20 years$1,275$1,031$827$659$522$247
21 years$1,201$960$761$598$467$211
22 years$1,134$896$701$544$419$180
23 years$1,074$838$647$495$376$154
24 years$1,018$785$599$452$338$132
25 years$967$737$554$413$304$113
26 years$920$693$514$377$274$97
27 years$876$652$478$345$247$83
28 years$836$614$444$316$223$72
29 years$798$579$413$290$201$61
30 years$763$547$385$266$182$53
31 years$731$517$359$245$164$45
32 years$700$489$335$225$149$39
33 years$672$464$313$207$135$34
34 years$645$439$292$190$122$29
35 years$619$417$273$175$110$25
36 years$596$396$255$161$100$21
37 years$573$376$239$149$91$18
38 years$552$357$224$137$82$16
39 years$532$339$210$126$74$14
40 years$513$323$197$116$68$12
41 years$495$307$184$107$61$10
42 years$477$293$173$99$56$9
43 years$461$279$162$92$50$7
44 years$446$266$152$84$46$6
45 years$431$254$143$78$42$5
46 years$417$242$134$72$38$5
47 years$403$231$126$67$34$4
48 years$390$220$119$62$31$4
49 years$378$210$111$57$28$3
50 years$366$201$105$53$26$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $375,000, adding $4,619 every year, while hoping to spend $26,937 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: 47/30/23 Blend
51$375,000$375,000$375,000$375,000
52$418,014$398,139$392,327$434,724
53$431,991$388,988$376,809$437,745
54$446,491$378,484$359,869$437,987
55$461,538$366,535$341,430$437,702
56$477,159$353,040$321,412$436,856
57$493,383$337,893$299,733$435,408
58$510,240$320,981$276,306$433,320
59$527,762$302,187$251,039$430,549
60$545,984$281,384$223,839$427,051
61$564,943$258,440$194,606$422,780
62$584,678$233,215$163,237$417,688
63$605,233$205,560$129,623$411,725
64$626,653$175,319$93,652$404,839
65$648,988$142,326$55,206$396,975
66$672,292$106,407$14,162$388,077
67$696,622$67,377$0$378,086
68$722,039$25,040$0$374,215
69$748,612$0$0$373,309
70$776,411$0$0$378,726
71$805,517$0$0$393,064
72$836,014$0$0$408,099
73$867,995$0$0$423,879
74$901,558$0$0$440,453
75$936,813$0$0$457,879
76$973,879$0$0$476,215
77$1,012,882$0$0$495,528
78$1,053,963$0$0$515,890
79$1,097,274$0$0$537,377
80$1,142,981$0$0$560,076
81$1,191,265$0$0$584,078
82$1,242,321$0$0$609,486
83$1,296,366$0$0$636,408
84$1,353,635$0$0$664,966
85$1,414,384$0$0$695,292
86$1,478,893$0$0$727,530
87$1,547,470$0$0$761,838
88$1,620,451$0$0$798,388
89$1,698,202$0$0$837,370
90$1,781,127$0$0$878,991
91$1,869,665$0$0$923,477
92$1,964,301$0$0$971,079
93$2,065,564$0$0$1,022,068
94$2,174,034$0$0$1,076,744
95$2,290,347$0$0$1,135,435
96$2,415,204$0$0$1,198,502
97$2,549,370$0$0$1,266,341
98$2,693,687$0$0$1,339,385
99$2,849,080$0$0$1,418,112
100$3,016,562$0$0$1,503,045