Can I retire at age 52 with 364,000?

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 $364,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$30,059$29,791$29,530$29,275$29,026$28,244
2 years$14,881$14,603$14,335$14,074$13,822$13,040
3 years$9,822$9,544$9,276$9,018$8,769$8,011
4 years$7,293$7,015$6,750$6,497$6,254$5,526
5 years$5,776$5,500$5,238$4,990$4,754$4,059
6 years$4,765$4,491$4,233$3,991$3,762$3,099
7 years$4,043$3,772$3,518$3,281$3,059$2,429
8 years$3,502$3,233$2,984$2,752$2,538$1,940
9 years$3,081$2,815$2,570$2,344$2,137$1,571
10 years$2,745$2,481$2,240$2,021$1,821$1,286
11 years$2,470$2,209$1,972$1,759$1,566$1,062
12 years$2,241$1,983$1,750$1,543$1,357$882
13 years$2,048$1,792$1,564$1,362$1,184$737
14 years$1,882$1,629$1,405$1,209$1,038$618
15 years$1,738$1,488$1,269$1,078$914$520
16 years$1,613$1,365$1,150$965$807$439
17 years$1,502$1,257$1,047$867$716$372
18 years$1,404$1,162$955$782$637$315
19 years$1,316$1,077$875$706$567$268
20 years$1,237$1,000$803$640$507$228
21 years$1,166$932$738$581$454$194
22 years$1,101$870$681$528$407$165
23 years$1,042$814$628$481$365$141
24 years$988$762$581$438$328$121
25 years$938$715$538$400$295$103
26 years$893$672$499$366$266$88
27 years$850$633$464$335$240$75
28 years$811$596$431$307$216$64
29 years$775$562$401$282$195$55
30 years$741$531$374$258$176$47
31 years$709$502$348$237$160$40
32 years$680$475$325$218$144$35
33 years$652$450$303$201$131$30
34 years$626$426$283$185$118$25
35 years$601$404$265$170$107$22
36 years$578$384$248$156$97$19
37 years$556$365$232$144$88$16
38 years$536$347$217$133$80$14
39 years$516$330$204$123$72$12
40 years$498$314$191$113$66$10
41 years$480$298$179$104$59$9
42 years$463$284$168$96$54$7
43 years$448$271$157$89$49$6
44 years$432$258$148$82$44$5
45 years$418$246$139$76$40$5
46 years$404$235$130$70$37$4
47 years$391$224$122$65$33$3
48 years$379$214$115$60$30$3
49 years$367$204$108$55$27$3
50 years$355$195$102$51$25$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $364,000, adding $4,542 every year, while hoping to spend $26,843 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: 58/24/18 Blend
51$364,000$364,000$364,000$364,000
52$405,813$386,521$380,879$427,184
53$418,645$376,900$365,078$432,583
54$431,887$365,908$347,847$435,143
55$445,551$353,449$329,112$437,325
56$459,651$339,422$308,792$439,100
57$474,203$323,721$286,803$440,433
58$489,220$306,231$263,059$441,290
59$504,718$286,835$237,470$441,633
60$520,714$265,404$209,939$441,423
61$537,223$241,805$180,369$440,619
62$554,263$215,897$148,654$439,176
63$571,852$187,530$114,688$437,050
64$590,008$156,546$78,358$434,190
65$608,751$122,779$39,545$430,545
66$628,100$86,051$0$426,061
67$648,076$46,178$0$421,041
68$668,701$2,962$0$423,192
69$689,997$0$0$424,874
70$711,988$0$0$437,614
71$734,698$0$0$451,579
72$758,151$0$0$466,002
73$782,376$0$0$480,900
74$807,398$0$0$496,289
75$833,247$0$0$512,188
76$859,952$0$0$528,615
77$887,545$0$0$545,589
78$916,060$0$0$563,131
79$945,529$0$0$581,262
80$975,989$0$0$600,003
81$1,007,477$0$0$619,379
82$1,040,033$0$0$639,414
83$1,073,698$0$0$660,134
84$1,108,517$0$0$681,565
85$1,144,533$0$0$703,736
86$1,181,796$0$0$726,677
87$1,220,356$0$0$750,420
88$1,260,267$0$0$774,998
89$1,301,585$0$0$800,446
90$1,344,370$0$0$826,800
91$1,388,685$0$0$854,102
92$1,434,596$0$0$882,391
93$1,482,174$0$0$911,713
94$1,531,495$0$0$942,115
95$1,582,638$0$0$973,646
96$1,635,688$0$0$1,006,359
97$1,690,734$0$0$1,040,310
98$1,747,875$0$0$1,075,561
99$1,807,211$0$0$1,112,176
100$1,868,852$0$0$1,150,223