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%15.5%
1 years$32,454$32,164$31,882$31,607$31,338$30,631
2 years$16,066$15,767$15,477$15,196$14,923$14,214
3 years$10,604$10,304$10,015$9,736$9,468$8,779
4 years$7,874$7,574$7,288$7,014$6,753$6,090
5 years$6,236$5,938$5,656$5,388$5,133$4,498
6 years$5,145$4,849$4,571$4,309$4,062$3,455
7 years$4,365$4,072$3,798$3,542$3,303$2,725
8 years$3,781$3,491$3,221$2,972$2,740$2,191
9 years$3,327$3,039$2,774$2,531$2,308$1,786
10 years$2,964$2,679$2,419$2,182$1,966$1,472
11 years$2,667$2,385$2,130$1,899$1,691$1,224
12 years$2,420$2,141$1,890$1,666$1,465$1,024
13 years$2,211$1,934$1,688$1,470$1,278$862
14 years$2,032$1,758$1,517$1,305$1,120$728
15 years$1,877$1,606$1,370$1,164$986$618
16 years$1,741$1,474$1,242$1,042$872$526
17 years$1,622$1,357$1,130$937$773$449
18 years$1,516$1,254$1,032$844$687$383
19 years$1,421$1,162$944$763$613$328
20 years$1,336$1,080$867$691$547$282
21 years$1,259$1,006$797$627$490$242
22 years$1,189$939$735$570$439$208
23 years$1,125$878$678$519$394$179
24 years$1,067$823$627$473$354$154
25 years$1,013$772$581$432$319$133
26 years$964$726$539$395$287$115
27 years$918$683$500$362$259$99
28 years$876$644$465$332$234$85
29 years$837$607$433$304$211$74
30 years$800$573$403$279$191$64
31 years$766$542$376$256$172$55
32 years$734$513$351$235$156$48
33 years$704$486$328$217$141$41
34 years$676$460$306$199$128$36
35 years$649$437$286$183$116$31
36 years$624$414$268$169$105$27
37 years$601$394$251$156$95$23
38 years$578$374$235$143$86$20
39 years$557$356$220$132$78$17
40 years$537$338$206$122$71$15
41 years$518$322$193$113$64$13
42 years$500$307$181$104$58$11
43 years$483$292$170$96$53$10
44 years$467$279$160$89$48$8
45 years$451$266$150$82$44$7
46 years$437$254$141$76$40$6
47 years$422$242$132$70$36$5
48 years$409$231$124$64$33$5
49 years$396$221$117$60$30$4
50 years$384$211$110$55$27$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $393,000, adding $5,507 every year, while hoping to spend $27,769 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: 37/50/13 Blend
51$393,000$393,000$393,000$393,000
52$438,766$417,937$411,846$453,066
53$453,975$408,870$396,097$454,741
54$469,803$398,428$378,889$453,469
55$486,287$386,515$360,145$451,486
56$503,461$373,027$339,783$448,745
57$521,365$357,857$317,718$445,192
58$540,043$340,890$293,859$440,773
59$559,538$322,004$268,115$435,430
60$579,901$301,073$240,386$429,103
61$601,185$277,959$210,573$421,730
62$623,447$252,520$178,568$413,244
63$646,749$224,604$144,261$403,575
64$671,159$194,051$107,535$392,653
65$696,749$160,692$68,270$380,403
66$723,599$124,348$26,339$366,744
67$751,796$84,830$0$351,597
68$781,431$41,939$0$337,430
69$812,608$0$0$325,666
70$845,436$0$0$315,070
71$880,035$0$0$328,244
72$916,537$0$0$342,164
73$955,084$0$0$356,888
74$995,833$0$0$372,478
75$1,038,953$0$0$389,002
76$1,084,630$0$0$406,536
77$1,133,066$0$0$425,160
78$1,184,484$0$0$444,965
79$1,239,126$0$0$466,048
80$1,297,257$0$0$488,516
81$1,359,166$0$0$512,485
82$1,425,173$0$0$538,085
83$1,495,624$0$0$565,456
84$1,570,902$0$0$594,752
85$1,651,424$0$0$626,142
86$1,737,648$0$0$659,812
87$1,830,077$0$0$695,965
88$1,929,262$0$0$734,825
89$2,035,808$0$0$776,636
90$2,150,380$0$0$821,668
91$2,273,706$0$0$870,216
92$2,406,587$0$0$922,606
93$2,549,902$0$0$979,193
94$2,704,617$0$0$1,040,371
95$2,871,793$0$0$1,106,570
96$3,052,598$0$0$1,178,263
97$3,248,313$0$0$1,255,972
98$3,460,348$0$0$1,340,270
99$3,690,253$0$0$1,431,786
100$3,939,733$0$0$1,531,213