Can I retire at age 52 with 387,000?

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 $387,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$31,958$31,673$31,396$31,125$30,860$30,361
2 years$15,821$15,526$15,241$14,964$14,695$14,194
3 years$10,442$10,147$9,862$9,587$9,323$8,835
4 years$7,754$7,459$7,177$6,907$6,649$6,179
5 years$6,141$5,848$5,569$5,305$5,055$4,602
6 years$5,066$4,775$4,501$4,243$4,000$3,566
7 years$4,299$4,010$3,740$3,488$3,253$2,838
8 years$3,723$3,437$3,172$2,926$2,699$2,303
9 years$3,276$2,993$2,732$2,492$2,273$1,896
10 years$2,919$2,638$2,382$2,149$1,936$1,578
11 years$2,626$2,349$2,097$1,870$1,665$1,325
12 years$2,383$2,108$1,861$1,640$1,443$1,120
13 years$2,177$1,905$1,663$1,448$1,258$953
14 years$2,001$1,732$1,494$1,285$1,103$814
15 years$1,848$1,582$1,349$1,146$971$698
16 years$1,715$1,451$1,223$1,026$858$601
17 years$1,597$1,337$1,113$922$761$519
18 years$1,493$1,235$1,016$831$677$449
19 years$1,399$1,145$930$751$603$389
20 years$1,315$1,064$853$680$539$337
21 years$1,239$991$785$617$482$293
22 years$1,171$925$724$561$432$255
23 years$1,108$865$668$511$388$223
24 years$1,050$810$618$466$349$194
25 years$998$761$572$426$314$170
26 years$949$715$531$389$283$148
27 years$904$673$493$356$255$130
28 years$863$634$458$326$230$113
29 years$824$598$426$299$208$99
30 years$788$565$397$275$188$87
31 years$754$534$370$252$170$76
32 years$723$505$345$232$153$67
33 years$693$478$323$213$139$58
34 years$665$453$301$196$126$51
35 years$639$430$282$181$114$45
36 years$615$408$264$166$103$39
37 years$591$388$247$153$94$34
38 years$570$368$231$141$85$30
39 years$549$350$216$130$77$27
40 years$529$333$203$120$70$23
41 years$510$317$190$111$63$20
42 years$493$302$178$102$57$18
43 years$476$288$167$94$52$16
44 years$460$274$157$87$47$14
45 years$445$262$148$81$43$12
46 years$430$250$139$74$39$11
47 years$416$238$130$69$35$9
48 years$403$227$122$64$32$8
49 years$390$217$115$59$29$7
50 years$378$207$108$54$27$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $387,000, adding $5,991 every year, while hoping to spend $27,080 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: 48/22/30 Blend
51$387,000$387,000$387,000$387,000
52$432,654$412,143$406,144$449,465
53$447,971$403,525$390,937$453,305
54$463,944$393,577$374,313$454,367
55$480,610$382,206$356,196$455,007
56$498,009$369,311$336,506$455,197
57$516,188$354,789$315,160$454,913
58$535,193$338,528$292,072$454,126
59$555,077$320,410$267,151$452,810
60$575,896$300,311$240,301$450,935
61$597,710$278,099$211,425$448,474
62$620,587$253,636$180,417$445,396
63$644,597$226,774$147,172$441,674
64$669,818$197,359$111,575$437,276
65$696,336$165,226$73,508$432,173
66$724,241$130,201$32,850$426,337
67$753,635$92,102$0$419,738
68$784,625$50,734$0$415,721
69$817,332$5,895$0$422,326
70$851,883$0$0$429,045
71$888,421$0$0$446,221
72$927,100$0$0$465,933
73$968,088$0$0$486,843
74$1,011,570$0$0$509,048
75$1,057,745$0$0$532,653
76$1,106,835$0$0$557,774
77$1,159,079$0$0$584,537
78$1,214,742$0$0$613,080
79$1,274,112$0$0$643,556
80$1,337,505$0$0$676,131
81$1,405,267$0$0$710,987
82$1,477,778$0$0$748,323
83$1,555,454$0$0$788,360
84$1,638,752$0$0$831,337
85$1,728,172$0$0$877,519
86$1,824,264$0$0$927,194
87$1,927,633$0$0$980,682
88$2,038,939$0$0$1,038,332
89$2,158,911$0$0$1,100,527
90$2,288,349$0$0$1,167,688
91$2,428,130$0$0$1,240,280
92$2,579,219$0$0$1,318,811
93$2,742,677$0$0$1,403,841
94$2,919,670$0$0$1,495,985
95$3,111,479$0$0$1,595,919
96$3,319,514$0$0$1,704,388
97$3,545,324$0$0$1,822,211
98$3,790,614$0$0$1,950,286
99$4,057,259$0$0$2,089,604
100$4,347,323$0$0$2,241,256