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%12.7%
1 years$32,866$32,574$32,288$32,009$31,737$31,380
2 years$16,271$15,968$15,674$15,389$15,113$14,753
3 years$10,739$10,435$10,142$9,860$9,588$9,237
4 years$7,974$7,671$7,381$7,104$6,838$6,499
5 years$6,316$6,014$5,728$5,456$5,198$4,871
6 years$5,210$4,911$4,629$4,363$4,113$3,799
7 years$4,421$4,124$3,847$3,587$3,345$3,044
8 years$3,829$3,535$3,262$3,009$2,775$2,487
9 years$3,369$3,078$2,810$2,563$2,337$2,062
10 years$3,002$2,713$2,450$2,210$1,991$1,729
11 years$2,701$2,415$2,157$1,923$1,713$1,462
12 years$2,451$2,168$1,914$1,687$1,484$1,246
13 years$2,239$1,959$1,710$1,489$1,294$1,068
14 years$2,058$1,781$1,536$1,322$1,134$920
15 years$1,901$1,627$1,387$1,179$999$795
16 years$1,763$1,493$1,258$1,056$883$690
17 years$1,642$1,375$1,144$948$783$601
18 years$1,535$1,270$1,045$855$696$524
19 years$1,439$1,177$956$772$620$458
20 years$1,353$1,094$878$699$554$401
21 years$1,275$1,019$807$635$496$352
22 years$1,204$951$744$577$444$309
23 years$1,139$890$687$526$399$272
24 years$1,080$833$635$479$359$240
25 years$1,026$782$589$438$323$211
26 years$976$735$546$400$291$186
27 years$930$692$507$366$262$164
28 years$887$652$471$336$236$145
29 years$847$615$438$308$214$128
30 years$810$581$408$283$193$113
31 years$776$549$381$260$174$100
32 years$743$520$355$238$158$89
33 years$713$492$332$219$143$79
34 years$684$466$310$202$129$70
35 years$657$442$290$186$117$62
36 years$632$420$271$171$106$55
37 years$608$399$254$158$96$48
38 years$586$379$238$145$87$43
39 years$564$360$223$134$79$38
40 years$544$343$209$124$72$34
41 years$525$326$196$114$65$30
42 years$507$311$184$105$59$26
43 years$489$296$172$97$54$23
44 years$473$282$162$90$49$21
45 years$457$269$152$83$44$18
46 years$442$257$143$76$40$16
47 years$428$245$134$71$36$15
48 years$414$234$126$65$33$13
49 years$401$223$118$60$30$11
50 years$389$213$111$56$27$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $398,000, adding $3,910 every year, while hoping to spend $36,147 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: 57/21/22 Blend
51$398,000$398,000$398,000$398,000
52$442,629$421,535$415,366$465,029
53$449,317$403,730$390,821$462,948
54$455,476$383,841$364,242$456,484
55$461,013$361,728$335,522$448,656
56$465,826$337,243$304,552$439,341
57$469,801$310,228$271,215$428,407
58$472,809$280,517$235,389$415,710
59$474,709$247,937$196,948$401,094
60$475,344$212,300$155,761$384,388
61$474,539$173,412$111,688$365,408
62$472,098$131,066$64,586$343,955
63$467,807$85,043$14,305$319,811
64$461,427$35,114$0$292,738
65$452,691$0$0$271,718
66$441,307$0$0$255,799
67$426,949$0$0$246,106
68$409,256$0$0$234,296
69$387,829$0$0$220,120
70$362,226$0$0$203,298
71$331,960$0$0$183,523
72$296,489$0$0$160,455
73$255,216$0$0$133,718
74$207,481$0$0$102,896
75$152,552$0$0$67,529
76$89,625$0$0$27,110
77$17,806$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0