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%17.6%
1 years$31,958$31,673$31,396$31,125$30,860$29,908
2 years$15,821$15,526$15,241$14,964$14,695$13,744
3 years$10,442$10,147$9,862$9,587$9,323$8,404
4 years$7,754$7,459$7,177$6,907$6,649$5,768
5 years$6,141$5,848$5,569$5,305$5,055$4,214
6 years$5,066$4,775$4,501$4,243$4,000$3,200
7 years$4,299$4,010$3,740$3,488$3,253$2,494
8 years$3,723$3,437$3,172$2,926$2,699$1,980
9 years$3,276$2,993$2,732$2,492$2,273$1,594
10 years$2,919$2,638$2,382$2,149$1,936$1,297
11 years$2,626$2,349$2,097$1,870$1,665$1,064
12 years$2,383$2,108$1,861$1,640$1,443$878
13 years$2,177$1,905$1,663$1,448$1,258$728
14 years$2,001$1,732$1,494$1,285$1,103$607
15 years$1,848$1,582$1,349$1,146$971$507
16 years$1,715$1,451$1,223$1,026$858$425
17 years$1,597$1,337$1,113$922$761$357
18 years$1,493$1,235$1,016$831$677$301
19 years$1,399$1,145$930$751$603$254
20 years$1,315$1,064$853$680$539$214
21 years$1,239$991$785$617$482$181
22 years$1,171$925$724$561$432$153
23 years$1,108$865$668$511$388$130
24 years$1,050$810$618$466$349$110
25 years$998$761$572$426$314$93
26 years$949$715$531$389$283$79
27 years$904$673$493$356$255$67
28 years$863$634$458$326$230$57
29 years$824$598$426$299$208$48
30 years$788$565$397$275$188$41
31 years$754$534$370$252$170$35
32 years$723$505$345$232$153$30
33 years$693$478$323$213$139$25
34 years$665$453$301$196$126$21
35 years$639$430$282$181$114$18
36 years$615$408$264$166$103$15
37 years$591$388$247$153$94$13
38 years$570$368$231$141$85$11
39 years$549$350$216$130$77$9
40 years$529$333$203$120$70$8
41 years$510$317$190$111$63$7
42 years$493$302$178$102$57$6
43 years$476$288$167$94$52$5
44 years$460$274$157$87$47$4
45 years$445$262$148$81$43$4
46 years$430$250$139$74$39$3
47 years$416$238$130$69$35$3
48 years$403$227$122$64$32$2
49 years$390$217$115$59$29$2
50 years$378$207$108$54$27$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $387,000, adding $5,633 every year, while hoping to spend $28,421 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: 36/43/21 Blend
51$387,000$387,000$387,000$387,000
52$432,284$411,773$405,775$444,925
53$446,138$401,711$389,129$444,606
54$460,452$390,202$370,972$441,215
55$475,243$377,147$351,225$436,972
56$490,529$362,439$329,803$431,818
57$506,329$345,965$306,617$425,691
58$522,663$327,605$281,577$418,525
59$539,550$307,233$254,585$410,249
60$557,012$284,716$225,542$400,791
61$575,072$259,911$194,342$390,072
62$593,753$232,671$160,877$378,012
63$613,081$202,836$125,031$364,524
64$633,081$170,241$86,685$349,517
65$653,781$134,709$45,715$332,897
66$675,210$96,053$1,990$314,562
67$697,400$54,078$0$294,406
68$720,382$8,576$0$282,329
69$744,192$0$0$269,330
70$768,867$0$0$274,117
71$794,443$0$0$283,290
72$820,965$0$0$292,807
73$848,474$0$0$302,684
74$877,018$0$0$312,940
75$906,646$0$0$323,592
76$937,412$0$0$334,660
77$969,372$0$0$346,167
78$1,002,586$0$0$358,134
79$1,037,121$0$0$370,587
80$1,073,044$0$0$383,551
81$1,110,431$0$0$397,056
82$1,149,361$0$0$411,130
83$1,189,921$0$0$425,809
84$1,232,202$0$0$441,126
85$1,276,305$0$0$457,119
86$1,322,336$0$0$473,830
87$1,370,412$0$0$491,304
88$1,420,658$0$0$509,588
89$1,473,208$0$0$528,734
90$1,528,209$0$0$548,799
91$1,585,819$0$0$569,843
92$1,646,209$0$0$591,934
93$1,709,567$0$0$615,143
94$1,776,094$0$0$639,549
95$1,846,009$0$0$665,236
96$1,919,552$0$0$692,298
97$1,996,981$0$0$720,835
98$2,078,579$0$0$750,957
99$2,164,655$0$0$782,785
100$2,255,543$0$0$816,449