Can I retire at age 52 with 351,000?

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 $351,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$28,985$28,727$28,475$28,229$27,989$27,137
2 years$14,349$14,082$13,823$13,572$13,328$12,477
3 years$9,471$9,203$8,944$8,696$8,456$7,632
4 years$7,033$6,765$6,509$6,265$6,031$5,241
5 years$5,570$5,304$5,051$4,812$4,585$3,831
6 years$4,595$4,331$4,082$3,848$3,628$2,911
7 years$3,899$3,637$3,392$3,164$2,950$2,270
8 years$3,377$3,118$2,877$2,654$2,447$1,803
9 years$2,971$2,715$2,478$2,261$2,061$1,453
10 years$2,647$2,393$2,160$1,949$1,756$1,182
11 years$2,382$2,130$1,902$1,696$1,510$970
12 years$2,161$1,912$1,688$1,488$1,309$801
13 years$1,974$1,728$1,508$1,313$1,141$665
14 years$1,815$1,570$1,355$1,166$1,001$555
15 years$1,676$1,435$1,223$1,040$881$464
16 years$1,555$1,316$1,109$931$779$389
17 years$1,448$1,212$1,009$836$690$327
18 years$1,354$1,120$921$754$614$276
19 years$1,269$1,038$843$681$547$233
20 years$1,193$965$774$617$489$197
21 years$1,124$899$712$560$437$166
22 years$1,062$839$656$509$392$141
23 years$1,005$785$606$464$352$119
24 years$953$735$560$423$316$101
25 years$905$690$519$386$285$86
26 years$861$648$481$353$256$73
27 years$820$610$447$323$231$62
28 years$782$575$416$296$209$53
29 years$747$542$387$272$188$45
30 years$714$512$360$249$170$38
31 years$684$484$336$229$154$32
32 years$655$458$313$210$139$27
33 years$629$434$293$193$126$23
34 years$603$411$273$178$114$20
35 years$580$390$256$164$103$17
36 years$557$370$239$151$94$14
37 years$536$352$224$139$85$12
38 years$517$334$210$128$77$10
39 years$498$318$196$118$70$9
40 years$480$302$184$109$63$8
41 years$463$288$173$101$57$6
42 years$447$274$162$93$52$5
43 years$432$261$152$86$47$5
44 years$417$249$143$79$43$4
45 years$403$237$134$73$39$3
46 years$390$226$126$67$35$3
47 years$377$216$118$62$32$2
48 years$365$206$111$58$29$2
49 years$354$197$104$53$26$2
50 years$343$188$98$49$24$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $351,000, adding $2,200 every year, while hoping to spend $21,513 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: 40/44/16 Blend
51$351,000$351,000$351,000$351,000
52$389,071$370,468$365,028$402,703
53$405,867$365,732$354,367$407,861
54$423,655$360,042$342,627$411,184
55$442,513$353,329$329,751$414,319
56$462,528$345,521$315,676$417,262
57$483,793$336,539$300,338$420,007
58$506,410$326,300$283,670$422,550
59$530,493$314,717$265,602$424,889
60$556,164$301,699$246,060$427,023
61$583,557$287,147$224,968$428,954
62$612,820$270,957$202,244$430,686
63$644,115$253,021$177,807$432,226
64$677,619$233,223$151,567$433,584
65$713,526$211,441$123,435$434,775
66$752,049$187,546$93,314$435,817
67$793,423$161,400$61,104$436,734
68$837,904$132,860$26,703$437,555
69$885,773$101,774$0$438,316
70$937,342$67,980$0$440,771
71$992,948$31,309$0$448,237
72$1,052,966$0$0$456,233
73$1,117,807$0$0$468,928
74$1,187,920$0$0$499,085
75$1,263,802$0$0$531,760
76$1,345,998$0$0$567,194
77$1,435,106$0$0$605,650
78$1,531,785$0$0$647,418
79$1,636,760$0$0$692,815
80$1,750,827$0$0$742,193
81$1,874,863$0$0$795,937
82$2,009,833$0$0$854,470
83$2,156,798$0$0$918,261
84$2,316,924$0$0$987,823
85$2,491,498$0$0$1,063,720
86$2,681,933$0$0$1,146,576
87$2,889,786$0$0$1,237,076
88$3,116,770$0$0$1,335,973
89$3,364,772$0$0$1,444,099
90$3,635,868$0$0$1,562,366
91$3,932,344$0$0$1,691,783
92$4,256,718$0$0$1,833,456
93$4,611,761$0$0$1,988,608
94$5,000,525$0$0$2,158,581
95$5,426,372$0$0$2,344,856
96$5,893,002$0$0$2,549,064
97$6,404,493$0$0$2,772,999
98$6,965,334$0$0$3,018,639
99$7,580,469$0$0$3,288,163
100$8,255,345$0$0$3,583,969