Can I retire at age 52 with 325,000?

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 $325,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$26,838$26,599$26,366$26,138$25,916$25,372
2 years$13,286$13,039$12,799$12,566$12,341$11,795
3 years$8,770$8,521$8,282$8,051$7,830$7,300
4 years$6,512$6,264$6,027$5,801$5,584$5,074
5 years$5,157$4,911$4,677$4,455$4,245$3,756
6 years$4,255$4,010$3,780$3,563$3,359$2,891
7 years$3,610$3,368$3,141$2,929$2,732$2,286
8 years$3,127$2,887$2,664$2,457$2,266$1,842
9 years$2,751$2,513$2,294$2,093$1,908$1,505
10 years$2,451$2,215$2,000$1,804$1,626$1,244
11 years$2,206$1,972$1,761$1,570$1,399$1,036
12 years$2,001$1,770$1,563$1,377$1,212$869
13 years$1,828$1,600$1,396$1,216$1,057$734
14 years$1,680$1,454$1,255$1,079$926$622
15 years$1,552$1,328$1,133$963$816$529
16 years$1,440$1,219$1,027$862$721$451
17 years$1,341$1,122$935$774$639$386
18 years$1,253$1,037$853$698$568$331
19 years$1,175$961$781$631$507$284
20 years$1,105$893$717$571$452$245
21 years$1,041$832$659$518$405$211
22 years$983$777$608$471$363$182
23 years$930$726$561$429$326$157
24 years$882$681$519$391$293$136
25 years$838$639$481$358$264$117
26 years$797$600$446$327$237$102
27 years$759$565$414$299$214$88
28 years$724$532$385$274$193$76
29 years$692$502$358$251$174$66
30 years$662$474$333$231$158$57
31 years$633$448$311$212$142$50
32 years$607$424$290$195$129$43
33 years$582$402$271$179$117$37
34 years$559$381$253$165$106$32
35 years$537$361$237$152$96$28
36 years$516$343$221$140$87$24
37 years$497$326$207$129$79$21
38 years$478$309$194$119$71$18
39 years$461$294$182$109$65$16
40 years$444$280$170$101$59$14
41 years$429$266$160$93$53$12
42 years$414$254$150$86$48$10
43 years$400$242$141$79$44$9
44 years$386$230$132$73$40$8
45 years$373$220$124$68$36$7
46 years$361$210$116$62$33$6
47 years$349$200$109$58$30$5
48 years$338$191$103$53$27$4
49 years$328$182$97$49$25$4
50 years$317$174$91$46$22$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $325,000, adding $2,411 every year, while hoping to spend $23,988 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: 48/47/5 Blend
51$325,000$325,000$325,000$325,000
52$360,637$343,412$338,374$377,377
53$371,899$334,716$324,187$380,377
54$383,506$324,790$308,720$380,883
55$395,467$313,549$291,906$380,860
56$407,793$300,901$273,673$380,265
57$420,493$286,751$253,947$379,052
58$433,579$270,997$232,650$377,174
59$447,061$253,533$209,701$374,578
60$460,950$234,245$185,014$371,210
61$475,257$213,012$158,502$367,013
62$489,992$189,709$130,071$361,925
63$505,167$164,201$99,624$355,881
64$520,795$136,347$67,062$348,813
65$536,885$105,997$32,277$340,646
66$553,450$72,994$0$331,305
67$570,501$37,170$0$320,965
68$588,051$0$0$311,135
69$606,110$0$0$300,861
70$624,691$0$0$310,068
71$643,805$0$0$319,537
72$663,463$0$0$329,273
73$683,678$0$0$339,283
74$704,459$0$0$349,572
75$725,818$0$0$360,143
76$747,765$0$0$371,003
77$770,310$0$0$382,156
78$793,462$0$0$393,605
79$817,230$0$0$405,355
80$841,621$0$0$417,409
81$866,643$0$0$429,769
82$892,301$0$0$442,439
83$918,601$0$0$455,419
84$945,544$0$0$468,711
85$973,132$0$0$482,314
86$1,001,365$0$0$496,226
87$1,030,241$0$0$510,447
88$1,059,755$0$0$524,971
89$1,089,898$0$0$539,794
90$1,120,661$0$0$554,910
91$1,152,029$0$0$570,309
92$1,183,983$0$0$585,981
93$1,216,502$0$0$601,913
94$1,249,558$0$0$618,089
95$1,283,118$0$0$634,490
96$1,317,144$0$0$651,095
97$1,351,590$0$0$667,879
98$1,386,402$0$0$684,811
99$1,421,519$0$0$701,857
100$1,456,870$0$0$718,979