Can I retire at age 52 with 387,000?

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 $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%12.6%
1 years$31,958$31,673$31,396$31,125$30,860$30,525
2 years$15,821$15,526$15,241$14,964$14,695$14,358
3 years$10,442$10,147$9,862$9,587$9,323$8,994
4 years$7,754$7,459$7,177$6,907$6,649$6,331
5 years$6,141$5,848$5,569$5,305$5,055$4,748
6 years$5,066$4,775$4,501$4,243$4,000$3,705
7 years$4,299$4,010$3,740$3,488$3,253$2,970
8 years$3,723$3,437$3,172$2,926$2,699$2,428
9 years$3,276$2,993$2,732$2,492$2,273$2,014
10 years$2,919$2,638$2,382$2,149$1,936$1,690
11 years$2,626$2,349$2,097$1,870$1,665$1,430
12 years$2,383$2,108$1,861$1,640$1,443$1,219
13 years$2,177$1,905$1,663$1,448$1,258$1,046
14 years$2,001$1,732$1,494$1,285$1,103$901
15 years$1,848$1,582$1,349$1,146$971$780
16 years$1,715$1,451$1,223$1,026$858$677
17 years$1,597$1,337$1,113$922$761$590
18 years$1,493$1,235$1,016$831$677$515
19 years$1,399$1,145$930$751$603$451
20 years$1,315$1,064$853$680$539$395
21 years$1,239$991$785$617$482$347
22 years$1,171$925$724$561$432$305
23 years$1,108$865$668$511$388$269
24 years$1,050$810$618$466$349$237
25 years$998$761$572$426$314$209
26 years$949$715$531$389$283$184
27 years$904$673$493$356$255$163
28 years$863$634$458$326$230$144
29 years$824$598$426$299$208$127
30 years$788$565$397$275$188$113
31 years$754$534$370$252$170$100
32 years$723$505$345$232$153$88
33 years$693$478$323$213$139$78
34 years$665$453$301$196$126$69
35 years$639$430$282$181$114$61
36 years$615$408$264$166$103$54
37 years$591$388$247$153$94$48
38 years$570$368$231$141$85$43
39 years$549$350$216$130$77$38
40 years$529$333$203$120$70$34
41 years$510$317$190$111$63$30
42 years$493$302$178$102$57$27
43 years$476$288$167$94$52$24
44 years$460$274$157$87$47$21
45 years$445$262$148$81$43$19
46 years$430$250$139$74$39$16
47 years$416$238$130$69$35$15
48 years$403$227$122$64$32$13
49 years$390$217$115$59$29$12
50 years$378$207$108$54$27$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $387,000, adding $4,806 every year, while hoping to spend $27,985 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: 56/34/10 Blend
51$387,000$387,000$387,000$387,000
52$431,431$410,920$404,922$454,270
53$445,662$401,280$388,711$460,617
54$460,405$390,229$371,019$464,018
55$475,685$377,669$351,767$467,053
56$491,526$363,495$330,872$469,691
57$507,953$347,598$308,247$471,900
58$524,994$329,860$283,803$473,645
59$542,678$310,157$257,445$474,891
60$561,035$288,359$229,074$475,601
61$580,100$264,328$198,587$475,734
62$599,907$237,917$165,877$475,250
63$620,495$208,972$130,831$474,105
64$641,904$177,330$93,332$472,255
65$664,177$142,818$53,258$469,651
66$687,361$105,255$10,480$466,245
67$711,506$64,446$0$461,984
68$736,666$20,191$0$460,570
69$762,899$0$0$459,629
70$790,268$0$0$468,375
71$818,838$0$0$485,398
72$848,684$0$0$503,188
73$879,883$0$0$521,794
74$912,520$0$0$541,268
75$946,687$0$0$561,664
76$982,484$0$0$583,045
77$1,020,018$0$0$605,475
78$1,059,406$0$0$629,026
79$1,100,775$0$0$653,776
80$1,144,263$0$0$679,809
81$1,190,019$0$0$707,216
82$1,238,208$0$0$736,099
83$1,289,006$0$0$766,565
84$1,342,608$0$0$798,733
85$1,399,224$0$0$832,732
86$1,459,084$0$0$868,704
87$1,522,440$0$0$906,803
88$1,589,565$0$0$947,197
89$1,660,761$0$0$990,069
90$1,736,353$0$0$1,035,622
91$1,816,702$0$0$1,084,076
92$1,902,198$0$0$1,135,670
93$1,993,270$0$0$1,190,669
94$2,090,389$0$0$1,249,361
95$2,194,069$0$0$1,312,063
96$2,304,874$0$0$1,379,122
97$2,423,422$0$0$1,450,918
98$2,550,390$0$0$1,527,867
99$2,686,522$0$0$1,610,427
100$2,832,634$0$0$1,699,099