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%12.2%
1 years$32,454$32,164$31,882$31,607$31,338$31,050
2 years$16,066$15,767$15,477$15,196$14,923$14,632
3 years$10,604$10,304$10,015$9,736$9,468$9,184
4 years$7,874$7,574$7,288$7,014$6,753$6,478
5 years$6,236$5,938$5,656$5,388$5,133$4,868
6 years$5,145$4,849$4,571$4,309$4,062$3,807
7 years$4,365$4,072$3,798$3,542$3,303$3,059
8 years$3,781$3,491$3,221$2,972$2,740$2,506
9 years$3,327$3,039$2,774$2,531$2,308$2,084
10 years$2,964$2,679$2,419$2,182$1,966$1,752
11 years$2,667$2,385$2,130$1,899$1,691$1,487
12 years$2,420$2,141$1,890$1,666$1,465$1,271
13 years$2,211$1,934$1,688$1,470$1,278$1,093
14 years$2,032$1,758$1,517$1,305$1,120$944
15 years$1,877$1,606$1,370$1,164$986$820
16 years$1,741$1,474$1,242$1,042$872$714
17 years$1,622$1,357$1,130$937$773$623
18 years$1,516$1,254$1,032$844$687$546
19 years$1,421$1,162$944$763$613$479
20 years$1,336$1,080$867$691$547$421
21 years$1,259$1,006$797$627$490$371
22 years$1,189$939$735$570$439$327
23 years$1,125$878$678$519$394$289
24 years$1,067$823$627$473$354$255
25 years$1,013$772$581$432$319$226
26 years$964$726$539$395$287$200
27 years$918$683$500$362$259$177
28 years$876$644$465$332$234$157
29 years$837$607$433$304$211$139
30 years$800$573$403$279$191$124
31 years$766$542$376$256$172$110
32 years$734$513$351$235$156$98
33 years$704$486$328$217$141$87
34 years$676$460$306$199$128$77
35 years$649$437$286$183$116$69
36 years$624$414$268$169$105$61
37 years$601$394$251$156$95$54
38 years$578$374$235$143$86$48
39 years$557$356$220$132$78$43
40 years$537$338$206$122$71$38
41 years$518$322$193$113$64$34
42 years$500$307$181$104$58$30
43 years$483$292$170$96$53$27
44 years$467$279$160$89$48$24
45 years$451$266$150$82$44$21
46 years$437$254$141$76$40$19
47 years$422$242$132$70$36$17
48 years$409$231$124$64$33$15
49 years$396$221$117$60$30$13
50 years$384$211$110$55$27$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $393,000, adding $4,035 every year, while hoping to spend $27,210 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: 77/7/16 Blend
51$393,000$393,000$393,000$393,000
52$437,248$416,419$410,328$469,088
53$452,896$407,872$395,122$482,116
54$469,228$397,995$378,496$492,580
55$486,286$386,693$360,371$503,309
56$504,113$373,867$340,670$514,321
57$522,757$359,411$319,307$525,635
58$542,271$343,215$296,196$537,272
59$562,710$325,160$271,246$549,257
60$584,136$305,122$244,362$561,617
61$606,613$282,968$215,444$574,380
62$630,215$258,561$184,389$587,582
63$655,019$231,752$151,088$601,259
64$681,109$202,386$115,427$615,452
65$708,577$170,298$77,289$630,210
66$737,524$135,315$36,551$645,583
67$768,059$97,253$0$661,629
68$800,300$55,918$0$679,596
69$834,378$11,105$0$705,108
70$870,434$0$0$732,025
71$908,623$0$0$763,340
72$949,113$0$0$797,456
73$992,089$0$0$833,674
74$1,037,753$0$0$872,165
75$1,086,326$0$0$913,116
76$1,138,049$0$0$956,731
77$1,193,186$0$0$1,003,236
78$1,252,028$0$0$1,052,874
79$1,314,891$0$0$1,105,916
80$1,382,123$0$0$1,162,656
81$1,454,107$0$0$1,223,418
82$1,531,260$0$0$1,288,556
83$1,614,040$0$0$1,358,459
84$1,702,952$0$0$1,433,554
85$1,798,547$0$0$1,514,309
86$1,901,433$0$0$1,601,239
87$2,012,275$0$0$1,694,909
88$2,131,806$0$0$1,795,939
89$2,260,828$0$0$1,905,011
90$2,400,225$0$0$2,022,873
91$2,550,968$0$0$2,150,349
92$2,714,123$0$0$2,288,344
93$2,890,863$0$0$2,437,852
94$3,082,478$0$0$2,599,967
95$3,290,384$0$0$2,775,891
96$3,516,142$0$0$2,966,948
97$3,761,467$0$0$3,174,592
98$4,028,246$0$0$3,400,423
99$4,318,553$0$0$3,646,203
100$4,634,674$0$0$3,913,869