Can I retire at age 52 with 367,000?

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 $367,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$30,307$30,037$29,773$29,516$29,265$28,306
2 years$15,003$14,724$14,453$14,190$13,936$12,978
3 years$9,903$9,622$9,352$9,092$8,841$7,916
4 years$7,353$7,073$6,806$6,550$6,306$5,419
5 years$5,824$5,546$5,282$5,031$4,794$3,949
6 years$4,804$4,528$4,268$4,024$3,793$2,990
7 years$4,077$3,803$3,547$3,308$3,085$2,324
8 years$3,531$3,260$3,008$2,775$2,559$1,840
9 years$3,107$2,838$2,591$2,364$2,155$1,477
10 years$2,768$2,502$2,259$2,037$1,836$1,197
11 years$2,491$2,227$1,989$1,773$1,579$979
12 years$2,260$1,999$1,765$1,555$1,369$805
13 years$2,064$1,807$1,577$1,373$1,193$666
14 years$1,897$1,642$1,417$1,219$1,046$553
15 years$1,752$1,500$1,279$1,087$921$460
16 years$1,626$1,376$1,160$973$814$385
17 years$1,514$1,267$1,055$875$722$322
18 years$1,415$1,171$963$788$642$270
19 years$1,327$1,085$882$712$572$227
20 years$1,247$1,009$809$645$511$191
21 years$1,175$940$744$585$457$161
22 years$1,110$877$686$532$410$135
23 years$1,051$820$634$485$368$114
24 years$996$769$586$442$331$96
25 years$946$721$543$404$298$81
26 years$900$678$503$369$268$69
27 years$857$638$467$338$242$58
28 years$818$601$434$310$218$49
29 years$781$567$404$284$197$41
30 years$747$536$377$261$178$35
31 years$715$506$351$239$161$30
32 years$685$479$328$220$145$25
33 years$657$454$306$202$132$21
34 years$631$430$286$186$119$18
35 years$606$408$267$171$108$15
36 years$583$387$250$158$98$13
37 years$561$368$234$145$89$11
38 years$540$349$219$134$80$9
39 years$520$332$205$124$73$8
40 years$502$316$192$114$66$7
41 years$484$301$180$105$60$6
42 years$467$287$169$97$54$5
43 years$451$273$159$90$49$4
44 years$436$260$149$83$45$3
45 years$422$248$140$76$41$3
46 years$408$237$131$71$37$2
47 years$395$226$123$65$34$2
48 years$382$216$116$60$30$2
49 years$370$206$109$56$28$1
50 years$358$197$103$51$25$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $367,000, adding $3,225 every year, while hoping to spend $26,399 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: 66/5/29 Blend
51$367,000$367,000$367,000$367,000
52$407,761$388,310$382,621$431,352
53$421,264$379,248$367,351$438,618
54$435,260$368,858$350,684$443,328
55$449,770$357,047$332,546$447,899
56$464,820$343,715$312,859$452,319
57$480,433$328,759$291,541$456,579
58$496,637$312,068$268,508$460,665
59$513,461$293,526$243,670$464,567
60$530,936$273,010$216,934$468,272
61$549,093$250,390$188,204$471,768
62$567,968$225,527$157,376$475,043
63$587,599$198,276$124,347$478,085
64$608,026$168,483$89,004$480,883
65$629,292$135,986$51,233$483,424
66$651,444$100,613$10,913$485,697
67$674,530$62,182$0$487,692
68$698,606$20,503$0$499,335
69$723,729$0$0$514,930
70$749,960$0$0$532,485
71$777,369$0$0$552,011
72$806,026$0$0$572,432
73$836,012$0$0$593,807
74$867,411$0$0$616,195
75$900,316$0$0$639,665
76$934,827$0$0$664,288
77$971,052$0$0$690,143
78$1,009,109$0$0$717,315
79$1,049,128$0$0$745,897
80$1,091,246$0$0$775,990
81$1,135,616$0$0$807,704
82$1,182,404$0$0$841,159
83$1,231,789$0$0$876,485
84$1,283,968$0$0$913,824
85$1,339,155$0$0$953,331
86$1,397,584$0$0$995,177
87$1,459,511$0$0$1,039,546
88$1,525,214$0$0$1,086,641
89$1,595,000$0$0$1,136,683
90$1,669,201$0$0$1,189,914
91$1,748,184$0$0$1,246,600
92$1,832,347$0$0$1,307,030
93$1,922,130$0$0$1,371,522
94$2,018,011$0$0$1,440,424
95$2,120,516$0$0$1,514,117
96$2,230,222$0$0$1,593,021
97$2,347,761$0$0$1,677,594
98$2,473,825$0$0$1,768,338
99$2,609,175$0$0$1,865,807
100$2,754,646$0$0$1,970,607