Can I retire at age 52 with 395,000?

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 $395,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$32,619$32,328$32,045$31,768$31,498$31,104
2 years$16,148$15,847$15,556$15,273$14,999$14,603
3 years$10,658$10,356$10,066$9,786$9,516$9,130
4 years$7,914$7,613$7,325$7,050$6,787$6,414
5 years$6,268$5,969$5,685$5,415$5,159$4,800
6 years$5,171$4,874$4,594$4,330$4,082$3,737
7 years$4,388$4,093$3,818$3,560$3,320$2,989
8 years$3,800$3,509$3,238$2,987$2,754$2,438
9 years$3,344$3,055$2,789$2,544$2,320$2,018
10 years$2,979$2,693$2,431$2,193$1,976$1,689
11 years$2,681$2,397$2,140$1,909$1,700$1,426
12 years$2,432$2,152$1,900$1,674$1,473$1,213
13 years$2,222$1,944$1,697$1,478$1,284$1,037
14 years$2,042$1,767$1,525$1,312$1,126$892
15 years$1,886$1,615$1,377$1,170$991$770
16 years$1,750$1,481$1,248$1,048$876$666
17 years$1,630$1,364$1,136$941$777$579
18 years$1,523$1,261$1,037$848$691$504
19 years$1,428$1,168$949$766$616$440
20 years$1,342$1,086$871$694$550$384
21 years$1,265$1,011$801$630$492$336
22 years$1,195$944$738$573$441$295
23 years$1,131$883$682$522$396$259
24 years$1,072$827$631$476$356$227
25 years$1,018$776$584$435$320$200
26 years$969$730$542$397$288$176
27 years$923$687$503$364$260$155
28 years$880$647$468$333$235$136
29 years$841$610$435$306$212$120
30 years$804$576$405$280$191$106
31 years$770$545$378$258$173$94
32 years$738$516$353$237$157$83
33 years$707$488$329$218$142$73
34 years$679$463$308$200$128$64
35 years$652$439$288$184$116$57
36 years$627$417$269$170$105$50
37 years$604$396$252$156$95$44
38 years$581$376$236$144$87$39
39 years$560$358$221$133$78$35
40 years$540$340$207$123$71$31
41 years$521$324$194$113$65$27
42 years$503$308$182$104$59$24
43 years$486$294$171$96$53$21
44 years$469$280$160$89$48$19
45 years$454$267$151$82$44$17
46 years$439$255$141$76$40$15
47 years$425$243$133$70$36$13
48 years$411$232$125$65$33$11
49 years$398$222$117$60$30$10
50 years$386$212$110$55$27$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $395,000, adding $3,044 every year, while hoping to spend $27,362 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: 73/5/22 Blend
51$395,000$395,000$395,000$395,000
52$438,430$417,495$411,372$467,866
53$454,037$408,839$396,040$479,199
54$470,319$398,842$379,278$488,039
55$487,315$387,410$361,008$497,038
56$505,069$374,441$341,150$506,208
57$523,628$359,830$319,620$515,561
58$543,042$343,466$296,331$525,112
59$563,365$325,228$271,191$534,879
60$584,657$304,993$244,104$544,880
61$606,980$282,626$214,970$555,137
62$630,406$257,988$183,685$565,676
63$655,008$230,931$150,139$576,523
64$680,869$201,297$114,220$587,712
65$708,079$168,921$75,807$599,277
66$736,733$133,628$34,776$611,260
67$766,937$95,234$0$623,707
68$798,807$53,542$0$638,783
69$832,467$8,347$0$663,282
70$868,054$0$0$689,129
71$905,717$0$0$718,665
72$945,620$0$0$750,451
73$987,939$0$0$784,172
74$1,032,869$0$0$819,983
75$1,080,623$0$0$858,056
76$1,131,434$0$0$898,576
77$1,185,557$0$0$941,749
78$1,243,269$0$0$987,799
79$1,304,877$0$0$1,036,971
80$1,370,714$0$0$1,089,533
81$1,441,148$0$0$1,145,780
82$1,516,582$0$0$1,206,036
83$1,597,455$0$0$1,270,654
84$1,684,252$0$0$1,340,024
85$1,777,504$0$0$1,414,572
86$1,877,793$0$0$1,494,767
87$1,985,760$0$0$1,581,123
88$2,102,107$0$0$1,674,205
89$2,227,606$0$0$1,774,633
90$2,363,105$0$0$1,883,089
91$2,509,536$0$0$2,000,322
92$2,667,923$0$0$2,127,156
93$2,839,392$0$0$2,264,494
94$3,025,179$0$0$2,413,333
95$3,226,646$0$0$2,574,765
96$3,445,289$0$0$2,749,995
97$3,682,754$0$0$2,940,346
98$3,940,851$0$0$3,147,272
99$4,221,570$0$0$3,372,376
100$4,527,104$0$0$3,617,419