Can I retire at age 52 with 343,000?

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 $343,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.7%
1 years$28,325$28,072$27,826$27,586$27,351$27,156
2 years$14,022$13,761$13,508$13,262$13,024$12,828
3 years$9,255$8,993$8,740$8,497$8,263$8,071
4 years$6,872$6,611$6,361$6,122$5,893$5,707
5 years$5,443$5,183$4,936$4,702$4,480$4,300
6 years$4,490$4,232$3,989$3,760$3,545$3,372
7 years$3,810$3,554$3,315$3,092$2,883$2,717
8 years$3,300$3,047$2,811$2,593$2,392$2,232
9 years$2,904$2,653$2,421$2,209$2,014$1,861
10 years$2,587$2,338$2,111$1,904$1,716$1,570
11 years$2,328$2,082$1,859$1,657$1,476$1,336
12 years$2,112$1,868$1,649$1,454$1,279$1,146
13 years$1,929$1,688$1,474$1,283$1,115$989
14 years$1,773$1,535$1,324$1,139$978$857
15 years$1,638$1,402$1,195$1,016$861$746
16 years$1,520$1,286$1,084$910$761$652
17 years$1,415$1,185$986$817$675$571
18 years$1,323$1,095$900$737$600$502
19 years$1,240$1,014$824$666$535$442
20 years$1,166$943$756$603$478$390
21 years$1,099$878$696$547$427$345
22 years$1,038$820$641$497$383$305
23 years$982$767$592$453$344$271
24 years$931$718$548$413$309$240
25 years$884$674$507$377$278$213
26 years$841$634$470$345$251$190
27 years$801$596$437$316$226$169
28 years$764$562$406$289$204$150
29 years$730$530$378$265$184$134
30 years$698$501$352$244$166$119
31 years$668$473$328$224$150$106
32 years$640$448$306$206$136$95
33 years$614$424$286$189$123$85
34 years$590$402$267$174$111$76
35 years$567$381$250$160$101$68
36 years$545$362$234$147$91$60
37 years$524$344$219$136$83$54
38 years$505$327$205$125$75$48
39 years$486$311$192$115$68$43
40 years$469$295$180$106$62$38
41 years$452$281$169$98$56$34
42 years$437$268$158$91$51$31
43 years$422$255$148$84$46$28
44 years$408$243$139$77$42$25
45 years$394$232$131$71$38$22
46 years$381$221$123$66$35$20
47 years$369$211$115$61$31$18
48 years$357$202$108$56$28$16
49 years$346$192$102$52$26$14
50 years$335$184$96$48$23$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $343,000, adding $2,985 every year, while hoping to spend $23,738 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: 40/42/18 Blend
51$343,000$343,000$343,000$343,000
52$381,065$362,886$357,570$394,165
53$394,677$355,410$344,291$396,311
54$408,881$346,773$329,772$396,120
55$423,714$336,891$313,946$395,415
56$439,213$325,679$296,744$394,164
57$455,419$313,045$278,092$392,331
58$472,378$298,890$257,914$389,877
59$490,138$283,113$236,131$386,765
60$508,751$265,605$212,661$382,954
61$528,274$246,250$187,415$378,403
62$548,769$224,927$160,305$373,068
63$570,303$201,507$131,234$366,905
64$592,948$175,855$100,104$359,867
65$616,783$147,827$66,813$351,907
66$641,896$117,272$31,252$342,977
67$668,380$84,028$0$333,026
68$696,336$47,927$0$323,290
69$725,878$8,791$0$318,919
70$757,126$0$0$313,875
71$790,213$0$0$323,643
72$825,284$0$0$338,325
73$862,499$0$0$353,927
74$902,031$0$0$370,525
75$944,068$0$0$388,202
76$988,819$0$0$407,048
77$1,036,512$0$0$427,163
78$1,087,394$0$0$448,656
79$1,141,739$0$0$471,645
80$1,199,844$0$0$496,261
81$1,262,039$0$0$522,649
82$1,328,681$0$0$550,965
83$1,400,166$0$0$581,381
84$1,476,924$0$0$614,088
85$1,559,431$0$0$649,294
86$1,648,207$0$0$687,226
87$1,743,825$0$0$728,136
88$1,846,911$0$0$772,300
89$1,958,157$0$0$820,019
90$2,078,320$0$0$871,628
91$2,208,233$0$0$927,493
92$2,348,812$0$0$988,014
93$2,501,063$0$0$1,053,635
94$2,666,093$0$0$1,124,842
95$2,845,119$0$0$1,202,170
96$3,039,478$0$0$1,286,207
97$3,250,643$0$0$1,377,600
98$3,480,232$0$0$1,477,061
99$3,730,028$0$0$1,585,375
100$4,001,989$0$0$1,703,403