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%11.8%
1 years$32,866$32,574$32,288$32,009$31,737$31,497
2 years$16,271$15,968$15,674$15,389$15,113$14,871
3 years$10,739$10,435$10,142$9,860$9,588$9,352
4 years$7,974$7,671$7,381$7,104$6,838$6,610
5 years$6,316$6,014$5,728$5,456$5,198$4,978
6 years$5,210$4,911$4,629$4,363$4,113$3,901
7 years$4,421$4,124$3,847$3,587$3,345$3,141
8 years$3,829$3,535$3,262$3,009$2,775$2,580
9 years$3,369$3,078$2,810$2,563$2,337$2,150
10 years$3,002$2,713$2,450$2,210$1,991$1,812
11 years$2,701$2,415$2,157$1,923$1,713$1,542
12 years$2,451$2,168$1,914$1,687$1,484$1,321
13 years$2,239$1,959$1,710$1,489$1,294$1,139
14 years$2,058$1,781$1,536$1,322$1,134$987
15 years$1,901$1,627$1,387$1,179$999$859
16 years$1,763$1,493$1,258$1,056$883$750
17 years$1,642$1,375$1,144$948$783$657
18 years$1,535$1,270$1,045$855$696$577
19 years$1,439$1,177$956$772$620$507
20 years$1,353$1,094$878$699$554$447
21 years$1,275$1,019$807$635$496$395
22 years$1,204$951$744$577$444$350
23 years$1,139$890$687$526$399$310
24 years$1,080$833$635$479$359$274
25 years$1,026$782$589$438$323$244
26 years$976$735$546$400$291$216
27 years$930$692$507$366$262$192
28 years$887$652$471$336$236$171
29 years$847$615$438$308$214$152
30 years$810$581$408$283$193$136
31 years$776$549$381$260$174$121
32 years$743$520$355$238$158$108
33 years$713$492$332$219$143$96
34 years$684$466$310$202$129$86
35 years$657$442$290$186$117$76
36 years$632$420$271$171$106$68
37 years$608$399$254$158$96$61
38 years$586$379$238$145$87$54
39 years$564$360$223$134$79$49
40 years$544$343$209$124$72$43
41 years$525$326$196$114$65$39
42 years$507$311$184$105$59$35
43 years$489$296$172$97$54$31
44 years$473$282$162$90$49$28
45 years$457$269$152$83$44$25
46 years$442$257$143$76$40$22
47 years$428$245$134$71$36$20
48 years$414$234$126$65$33$18
49 years$401$223$118$60$30$16
50 years$389$213$111$56$27$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $398,000, adding $5,456 every year, while hoping to spend $23,107 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: 73/19/8 Blend
51$398,000$398,000$398,000$398,000
52$444,224$423,130$416,961$475,682
53$464,949$419,278$406,343$493,321
54$487,014$414,462$394,596$509,207
55$510,530$408,612$381,656$525,958
56$535,621$401,651$367,458$543,653
57$562,422$393,499$351,935$562,378
58$591,079$384,070$335,015$582,230
59$621,755$373,276$316,624$603,313
60$654,627$361,020$296,684$625,747
61$689,890$347,200$275,114$649,660
62$727,757$331,712$251,829$675,196
63$768,463$314,440$226,740$702,514
64$812,265$295,266$199,754$731,789
65$859,445$274,063$170,775$763,216
66$910,314$250,698$139,702$797,009
67$965,213$225,029$106,428$833,406
68$1,024,515$196,906$70,844$872,669
69$1,088,634$166,172$32,836$915,088
70$1,158,020$132,661$0$960,984
71$1,233,172$96,195$0$1,011,372
72$1,314,636$56,588$0$1,069,017
73$1,403,013$13,645$0$1,131,560
74$1,498,964$0$0$1,199,489
75$1,603,217$0$0$1,280,213
76$1,716,572$0$0$1,371,102
77$1,839,908$0$0$1,470,012
78$1,974,194$0$0$1,577,722
79$2,120,496$0$0$1,695,087
80$2,279,987$0$0$1,823,051
81$2,453,956$0$0$1,962,653
82$2,643,824$0$0$2,115,033
83$2,851,155$0$0$2,281,451
84$3,077,670$0$0$2,463,289
85$3,325,265$0$0$2,662,073
86$3,596,024$0$0$2,879,479
87$3,892,246$0$0$3,117,357
88$4,216,460$0$0$3,377,739
89$4,571,450$0$0$3,662,866
90$4,960,284$0$0$3,975,205
91$5,386,339$0$0$4,317,472
92$5,853,335$0$0$4,692,660
93$6,365,369$0$0$5,104,063
94$6,926,953$0$0$5,555,311
95$7,543,056$0$0$6,050,401
96$8,219,152$0$0$6,593,736
97$8,961,272$0$0$7,190,167
98$9,776,057$0$0$7,845,036
99$10,670,822$0$0$8,564,228
100$11,653,628$0$0$9,354,226