Can I retire at age 52 with 393,000?

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 $393,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$32,454$32,164$31,882$31,607$31,338$30,857
2 years$16,066$15,767$15,477$15,196$14,923$14,440
3 years$10,604$10,304$10,015$9,736$9,468$8,997
4 years$7,874$7,574$7,288$7,014$6,753$6,298
5 years$6,236$5,938$5,656$5,388$5,133$4,696
6 years$5,145$4,849$4,571$4,309$4,062$3,643
7 years$4,365$4,072$3,798$3,542$3,303$2,902
8 years$3,781$3,491$3,221$2,972$2,740$2,358
9 years$3,327$3,039$2,774$2,531$2,308$1,943
10 years$2,964$2,679$2,419$2,182$1,966$1,619
11 years$2,667$2,385$2,130$1,899$1,691$1,361
12 years$2,420$2,141$1,890$1,666$1,465$1,153
13 years$2,211$1,934$1,688$1,470$1,278$981
14 years$2,032$1,758$1,517$1,305$1,120$840
15 years$1,877$1,606$1,370$1,164$986$721
16 years$1,741$1,474$1,242$1,042$872$622
17 years$1,622$1,357$1,130$937$773$537
18 years$1,516$1,254$1,032$844$687$465
19 years$1,421$1,162$944$763$613$404
20 years$1,336$1,080$867$691$547$351
21 years$1,259$1,006$797$627$490$306
22 years$1,189$939$735$570$439$267
23 years$1,125$878$678$519$394$233
24 years$1,067$823$627$473$354$203
25 years$1,013$772$581$432$319$178
26 years$964$726$539$395$287$156
27 years$918$683$500$362$259$136
28 years$876$644$465$332$234$119
29 years$837$607$433$304$211$105
30 years$800$573$403$279$191$92
31 years$766$542$376$256$172$80
32 years$734$513$351$235$156$71
33 years$704$486$328$217$141$62
34 years$676$460$306$199$128$54
35 years$649$437$286$183$116$48
36 years$624$414$268$169$105$42
37 years$601$394$251$156$95$37
38 years$578$374$235$143$86$32
39 years$557$356$220$132$78$28
40 years$537$338$206$122$71$25
41 years$518$322$193$113$64$22
42 years$500$307$181$104$58$19
43 years$483$292$170$96$53$17
44 years$467$279$160$89$48$15
45 years$451$266$150$82$44$13
46 years$437$254$141$76$40$12
47 years$422$242$132$70$36$10
48 years$409$231$124$64$33$9
49 years$396$221$117$60$30$8
50 years$384$211$110$55$27$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $393,000, adding $2,115 every year, while hoping to spend $27,854 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: 42/39/19 Blend
51$393,000$393,000$393,000$393,000
52$435,268$414,439$408,347$451,046
53$450,028$405,110$392,390$453,102
54$465,361$394,390$374,965$452,455
55$481,295$382,182$355,994$451,176
56$497,861$368,383$335,393$449,221
57$515,092$352,883$313,078$446,543
58$533,024$335,566$288,959$443,094
59$551,695$316,311$262,941$438,824
60$571,145$294,988$234,927$433,679
61$591,420$271,461$204,815$427,603
62$612,566$245,584$172,498$420,540
63$634,635$217,204$137,864$412,427
64$657,682$186,162$100,796$403,203
65$681,767$152,285$61,174$392,800
66$706,954$115,393$18,870$381,151
67$733,313$75,297$0$368,183
68$760,919$31,795$0$359,149
69$789,854$0$0$353,073
70$820,208$0$0$352,654
71$852,076$0$0$366,554
72$885,563$0$0$381,177
73$920,783$0$0$396,574
74$957,860$0$0$412,802
75$996,928$0$0$429,922
76$1,038,133$0$0$448,002
77$1,081,637$0$0$467,113
78$1,127,613$0$0$487,337
79$1,176,251$0$0$508,760
80$1,227,759$0$0$531,477
81$1,282,365$0$0$555,592
82$1,340,315$0$0$581,219
83$1,401,882$0$0$608,482
84$1,467,361$0$0$637,517
85$1,537,078$0$0$668,473
86$1,611,387$0$0$701,513
87$1,690,678$0$0$736,817
88$1,775,376$0$0$774,579
89$1,865,950$0$0$815,016
90$1,962,911$0$0$858,361
91$2,066,821$0$0$904,875
92$2,178,297$0$0$954,841
93$2,298,013$0$0$1,008,570
94$2,426,713$0$0$1,066,403
95$2,565,211$0$0$1,128,717
96$2,714,401$0$0$1,195,924
97$2,875,266$0$0$1,268,476
98$3,048,886$0$0$1,346,871
99$3,236,445$0$0$1,431,656
100$3,439,247$0$0$1,523,432