Can I retire at age 52 with 398,000?

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 $398,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$32,866$32,574$32,288$32,009$31,737$31,458
2 years$16,271$15,968$15,674$15,389$15,113$14,832
3 years$10,739$10,435$10,142$9,860$9,588$9,314
4 years$7,974$7,671$7,381$7,104$6,838$6,572
5 years$6,316$6,014$5,728$5,456$5,198$4,942
6 years$5,210$4,911$4,629$4,363$4,113$3,867
7 years$4,421$4,124$3,847$3,587$3,345$3,108
8 years$3,829$3,535$3,262$3,009$2,775$2,548
9 years$3,369$3,078$2,810$2,563$2,337$2,120
10 years$3,002$2,713$2,450$2,210$1,991$1,784
11 years$2,701$2,415$2,157$1,923$1,713$1,515
12 years$2,451$2,168$1,914$1,687$1,484$1,296
13 years$2,239$1,959$1,710$1,489$1,294$1,115
14 years$2,058$1,781$1,536$1,322$1,134$964
15 years$1,901$1,627$1,387$1,179$999$837
16 years$1,763$1,493$1,258$1,056$883$729
17 years$1,642$1,375$1,144$948$783$637
18 years$1,535$1,270$1,045$855$696$559
19 years$1,439$1,177$956$772$620$491
20 years$1,353$1,094$878$699$554$432
21 years$1,275$1,019$807$635$496$380
22 years$1,204$951$744$577$444$336
23 years$1,139$890$687$526$399$297
24 years$1,080$833$635$479$359$262
25 years$1,026$782$589$438$323$232
26 years$976$735$546$400$291$206
27 years$930$692$507$366$262$183
28 years$887$652$471$336$236$162
29 years$847$615$438$308$214$144
30 years$810$581$408$283$193$128
31 years$776$549$381$260$174$114
32 years$743$520$355$238$158$101
33 years$713$492$332$219$143$90
34 years$684$466$310$202$129$80
35 years$657$442$290$186$117$71
36 years$632$420$271$171$106$63
37 years$608$399$254$158$96$56
38 years$586$379$238$145$87$50
39 years$564$360$223$134$79$45
40 years$544$343$209$124$72$40
41 years$525$326$196$114$65$36
42 years$507$311$184$105$59$32
43 years$489$296$172$97$54$28
44 years$473$282$162$90$49$25
45 years$457$269$152$83$44$22
46 years$442$257$143$76$40$20
47 years$428$245$134$71$36$18
48 years$414$234$126$65$33$16
49 years$401$223$118$60$30$14
50 years$389$213$111$56$27$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $398,000, adding $2,132 every year, while hoping to spend $28,631 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: 58/22/20 Blend
51$398,000$398,000$398,000$398,000
52$440,795$419,701$413,532$463,906
53$455,293$409,803$396,922$469,958
54$470,310$398,461$378,796$473,266
55$485,869$385,573$359,074$476,235
56$501,994$371,032$337,669$478,840
57$518,711$354,726$314,494$481,052
58$536,047$336,535$289,457$482,842
59$554,030$316,332$262,460$484,179
60$572,691$293,982$233,403$485,032
61$592,064$269,346$202,180$485,366
62$612,183$242,272$168,682$485,147
63$633,086$212,603$132,792$484,340
64$654,812$180,172$94,392$482,905
65$677,404$144,802$53,356$480,803
66$700,909$106,307$9,553$477,995
67$725,375$64,490$0$474,438
68$750,855$19,142$0$478,025
69$777,407$0$0$483,466
70$805,090$0$0$495,958
71$833,971$0$0$513,831
72$864,121$0$0$532,496
73$895,617$0$0$552,003
74$928,541$0$0$572,403
75$962,983$0$0$593,752
76$999,039$0$0$616,113
77$1,036,814$0$0$639,551
78$1,076,423$0$0$664,138
79$1,117,988$0$0$689,953
80$1,161,644$0$0$717,081
81$1,207,535$0$0$745,613
82$1,255,821$0$0$775,650
83$1,306,673$0$0$807,301
84$1,360,279$0$0$840,686
85$1,416,843$0$0$875,934
86$1,476,587$0$0$913,186
87$1,539,756$0$0$952,597
88$1,606,612$0$0$994,335
89$1,677,447$0$0$1,038,585
90$1,752,577$0$0$1,085,547
91$1,832,346$0$0$1,135,442
92$1,917,134$0$0$1,188,509
93$2,007,354$0$0$1,245,014
94$2,103,458$0$0$1,305,242
95$2,205,942$0$0$1,369,511
96$2,315,350$0$0$1,438,166
97$2,432,276$0$0$1,511,587
98$2,557,372$0$0$1,590,188
99$2,691,354$0$0$1,674,426
100$2,835,005$0$0$1,764,800