Can I retire at age 52 with 378,000?

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 $378,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$31,215$30,937$30,666$30,401$30,142$29,283
2 years$15,453$15,165$14,886$14,616$14,353$13,494
3 years$10,200$9,911$9,632$9,364$9,106$8,275
4 years$7,573$7,285$7,010$6,747$6,495$5,697
5 years$5,998$5,712$5,440$5,182$4,937$4,175
6 years$4,948$4,664$4,396$4,144$3,907$3,181
7 years$4,199$3,917$3,653$3,407$3,177$2,488
8 years$3,637$3,358$3,098$2,858$2,636$1,982
9 years$3,200$2,923$2,669$2,434$2,220$1,602
10 years$2,851$2,577$2,327$2,099$1,891$1,308
11 years$2,565$2,294$2,048$1,826$1,627$1,077
12 years$2,327$2,059$1,818$1,602$1,410$892
13 years$2,126$1,861$1,624$1,414$1,229$743
14 years$1,954$1,691$1,459$1,255$1,077$622
15 years$1,805$1,545$1,317$1,120$949$522
16 years$1,675$1,418$1,194$1,003$838$439
17 years$1,560$1,305$1,087$901$743$371
18 years$1,458$1,206$992$812$661$314
19 years$1,367$1,118$908$733$589$266
20 years$1,285$1,039$834$664$526$225
21 years$1,211$968$767$603$471$191
22 years$1,143$903$707$548$422$163
23 years$1,082$845$653$499$379$138
24 years$1,026$792$603$455$341$118
25 years$975$743$559$416$306$100
26 years$927$698$518$380$276$85
27 years$883$657$481$348$249$73
28 years$842$619$447$319$225$62
29 years$805$584$416$292$203$53
30 years$769$552$388$268$183$45
31 years$737$521$362$246$166$39
32 years$706$493$337$227$150$33
33 years$677$467$315$208$136$28
34 years$650$443$294$192$123$24
35 years$624$420$275$176$111$21
36 years$600$399$257$162$101$18
37 years$578$379$241$150$91$15
38 years$556$360$226$138$83$13
39 years$536$342$211$127$75$11
40 years$517$326$198$117$68$9
41 years$499$310$186$108$62$8
42 years$481$295$174$100$56$7
43 years$465$281$164$92$51$6
44 years$449$268$154$85$46$5
45 years$434$256$144$79$42$4
46 years$420$244$135$73$38$4
47 years$406$233$127$67$35$3
48 years$393$222$120$62$31$3
49 years$381$212$112$57$29$2
50 years$369$203$106$53$26$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $378,000, adding $2,802 every year, while hoping to spend $24,455 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: 78/8/14 Blend
51$378,000$378,000$378,000$378,000
52$419,446$399,412$393,553$450,746
53$436,210$392,964$380,717$465,306
54$453,864$385,379$366,632$477,879
55$472,473$376,578$351,229$490,981
56$492,108$366,473$334,438$504,658
57$512,846$354,974$316,185$518,958
58$534,772$341,983$296,393$533,932
59$557,977$327,398$274,980$549,640
60$582,562$311,112$251,863$566,148
61$608,636$293,009$226,953$583,527
62$636,319$272,969$200,159$601,856
63$665,743$250,863$171,383$621,224
64$697,050$226,557$140,525$641,728
65$730,397$199,906$107,481$663,476
66$765,956$170,761$72,141$686,587
67$803,916$138,960$34,390$711,193
68$844,483$104,337$0$737,441
69$887,882$66,711$0$766,371
70$934,362$25,896$0$802,822
71$984,194$0$0$841,867
72$1,037,677$0$0$885,358
73$1,095,137$0$0$934,541
74$1,156,934$0$0$987,446
75$1,223,463$0$0$1,044,410
76$1,295,155$0$0$1,105,806
77$1,372,488$0$0$1,172,044
78$1,455,983$0$0$1,243,570
79$1,546,215$0$0$1,320,880
80$1,643,815$0$0$1,404,516
81$1,749,477$0$0$1,495,072
82$1,863,963$0$0$1,593,205
83$1,988,112$0$0$1,699,636
84$2,122,845$0$0$1,815,155
85$2,269,178$0$0$1,940,636
86$2,428,225$0$0$2,077,036
87$2,601,215$0$0$2,225,411
88$2,789,496$0$0$2,386,920
89$2,994,556$0$0$2,562,840
90$3,218,028$0$0$2,754,576
91$3,461,712$0$0$2,963,675
92$3,727,589$0$0$3,191,838
93$4,017,838$0$0$3,440,938
94$4,334,858$0$0$3,713,038
95$4,681,291$0$0$4,010,407
96$5,060,045$0$0$4,335,546
97$5,474,322$0$0$4,691,204
98$5,927,646$0$0$5,080,414
99$6,423,901$0$0$5,506,509
100$6,967,360$0$0$5,973,165