Can I retire at age 52 with 375,000?

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 $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%17.8%
1 years$30,967$30,691$30,422$30,160$29,903$28,957
2 years$15,330$15,045$14,768$14,500$14,240$13,295
3 years$10,119$9,832$9,556$9,290$9,034$8,121
4 years$7,513$7,227$6,954$6,693$6,443$5,568
5 years$5,951$5,666$5,397$5,141$4,898$4,064
6 years$4,909$4,627$4,361$4,111$3,876$3,082
7 years$4,165$3,886$3,624$3,380$3,152$2,400
8 years$3,608$3,331$3,074$2,835$2,615$1,903
9 years$3,175$2,900$2,647$2,415$2,202$1,530
10 years$2,828$2,556$2,308$2,082$1,876$1,243
11 years$2,545$2,276$2,032$1,812$1,614$1,018
12 years$2,309$2,043$1,803$1,589$1,398$839
13 years$2,109$1,846$1,611$1,403$1,219$695
14 years$1,939$1,678$1,448$1,245$1,069$579
15 years$1,791$1,533$1,307$1,111$941$483
16 years$1,661$1,406$1,185$995$832$404
17 years$1,547$1,295$1,078$894$738$339
18 years$1,446$1,197$984$805$656$285
19 years$1,356$1,109$901$728$585$240
20 years$1,275$1,031$827$659$522$202
21 years$1,201$960$761$598$467$171
22 years$1,134$896$701$544$419$144
23 years$1,074$838$647$495$376$122
24 years$1,018$785$599$452$338$103
25 years$967$737$554$413$304$87
26 years$920$693$514$377$274$74
27 years$876$652$478$345$247$63
28 years$836$614$444$316$223$53
29 years$798$579$413$290$201$45
30 years$763$547$385$266$182$38
31 years$731$517$359$245$164$32
32 years$700$489$335$225$149$27
33 years$672$464$313$207$135$23
34 years$645$439$292$190$122$20
35 years$619$417$273$175$110$17
36 years$596$396$255$161$100$14
37 years$573$376$239$149$91$12
38 years$552$357$224$137$82$10
39 years$532$339$210$126$74$9
40 years$513$323$197$116$68$7
41 years$495$307$184$107$61$6
42 years$477$293$173$99$56$5
43 years$461$279$162$92$50$5
44 years$446$266$152$84$46$4
45 years$431$254$143$78$42$3
46 years$417$242$134$72$38$3
47 years$403$231$126$67$34$2
48 years$390$220$119$62$31$2
49 years$378$210$111$57$28$2
50 years$366$201$105$53$26$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $375,000, adding $6,328 every year, while hoping to spend $27,659 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: 58/24/18 Blend
51$375,000$375,000$375,000$375,000
52$419,777$399,902$394,090$441,795
53$433,166$390,069$377,863$447,624
54$446,993$378,826$360,165$450,410
55$461,274$366,076$340,919$452,822
56$476,025$351,715$320,041$454,827
57$491,264$335,634$297,446$456,393
58$507,007$317,714$273,045$457,486
59$523,274$297,834$246,745$458,068
60$540,083$275,864$218,446$458,102
61$557,456$251,665$188,048$457,547
62$575,412$225,092$155,443$456,360
63$593,974$195,992$120,520$454,496
64$613,165$164,201$83,164$451,906
65$633,011$129,549$43,252$448,542
66$653,535$91,855$658$444,350
67$674,765$50,925$0$439,275
68$696,730$6,559$0$441,862
69$719,459$0$0$444,140
70$742,984$0$0$456,894
71$767,338$0$0$471,894
72$792,556$0$0$487,427
73$818,675$0$0$503,518
74$845,734$0$0$520,192
75$873,776$0$0$537,473
76$902,843$0$0$555,390
77$932,984$0$0$573,972
78$964,247$0$0$593,250
79$996,687$0$0$613,258
80$1,030,359$0$0$634,031
81$1,065,324$0$0$655,607
82$1,101,647$0$0$678,025
83$1,139,395$0$0$701,330
84$1,178,644$0$0$725,568
85$1,219,471$0$0$750,788
86$1,261,962$0$0$777,044
87$1,306,207$0$0$804,393
88$1,352,304$0$0$832,896
89$1,400,358$0$0$862,620
90$1,450,482$0$0$893,636
91$1,502,799$0$0$926,021
92$1,557,439$0$0$959,858
93$1,614,546$0$0$995,237
94$1,674,272$0$0$1,032,255
95$1,736,784$0$0$1,071,017
96$1,802,262$0$0$1,111,637
97$1,870,901$0$0$1,154,239
98$1,942,912$0$0$1,198,957
99$2,018,526$0$0$1,245,936
100$2,097,992$0$0$1,295,334