Can I retire at age 52 with 368,000?

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 $368,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$30,389$30,118$29,854$29,597$29,345$28,428
2 years$15,044$14,764$14,492$14,229$13,974$13,058
3 years$9,930$9,648$9,378$9,117$8,866$7,980
4 years$7,373$7,093$6,824$6,568$6,323$5,474
5 years$5,840$5,561$5,296$5,045$4,807$3,997
6 years$4,817$4,541$4,280$4,034$3,803$3,034
7 years$4,088$3,813$3,557$3,317$3,093$2,363
8 years$3,541$3,269$3,016$2,783$2,566$1,875
9 years$3,115$2,846$2,598$2,370$2,161$1,509
10 years$2,775$2,509$2,265$2,043$1,841$1,227
11 years$2,497$2,233$1,994$1,778$1,584$1,005
12 years$2,266$2,004$1,770$1,560$1,372$829
13 years$2,070$1,811$1,581$1,377$1,197$687
14 years$1,902$1,647$1,421$1,222$1,049$572
15 years$1,757$1,504$1,283$1,090$924$478
16 years$1,630$1,380$1,163$976$816$400
17 years$1,519$1,271$1,058$877$724$336
18 years$1,419$1,174$966$790$644$283
19 years$1,330$1,088$884$714$574$238
20 years$1,251$1,011$812$647$512$201
21 years$1,179$942$746$587$458$170
22 years$1,113$879$688$534$411$144
23 years$1,054$823$635$486$369$121
24 years$999$771$588$443$332$103
25 years$949$723$544$405$298$87
26 years$903$680$505$370$269$74
27 years$860$640$469$339$242$63
28 years$820$603$436$310$219$53
29 years$783$569$405$285$197$45
30 years$749$537$378$261$178$38
31 years$717$508$352$240$161$32
32 years$687$480$328$221$146$27
33 years$659$455$307$203$132$23
34 years$633$431$287$187$120$20
35 years$608$409$268$172$108$17
36 years$584$388$251$158$98$14
37 years$562$369$235$146$89$12
38 years$542$350$220$134$81$10
39 years$522$333$206$124$73$9
40 years$503$317$193$114$66$7
41 years$485$302$181$105$60$6
42 years$469$287$170$97$55$5
43 years$452$274$159$90$50$5
44 years$437$261$149$83$45$4
45 years$423$249$140$77$41$3
46 years$409$237$132$71$37$3
47 years$396$227$124$65$34$2
48 years$383$216$116$60$31$2
49 years$371$207$109$56$28$2
50 years$359$197$103$52$25$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $368,000, adding $4,223 every year, while hoping to spend $25,874 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: 35/35/30 Blend
51$368,000$368,000$368,000$368,000
52$409,892$390,388$384,684$420,424
53$424,171$381,987$370,041$420,312
54$439,040$372,308$354,041$417,587
55$454,530$361,259$336,610$414,157
56$470,678$348,747$317,672$409,978
57$487,522$334,670$297,148$405,002
58$505,101$318,921$274,955$399,181
59$523,462$301,388$251,006$392,464
60$542,650$281,951$225,210$384,796
61$562,718$260,485$197,472$376,123
62$583,722$236,855$167,694$366,385
63$605,721$210,921$135,771$355,523
64$628,782$182,533$101,597$343,474
65$652,976$151,535$65,058$330,173
66$678,379$117,760$26,037$315,551
67$705,075$81,032$0$299,538
68$733,156$41,165$0$287,058
69$762,720$0$0$282,258
70$793,875$0$0$277,545
71$826,739$0$0$289,318
72$861,439$0$0$301,771
73$898,116$0$0$314,957
74$936,921$0$0$328,934
75$978,021$0$0$343,764
76$1,021,598$0$0$359,518
77$1,067,849$0$0$376,270
78$1,116,993$0$0$394,103
79$1,169,267$0$0$413,109
80$1,224,930$0$0$433,385
81$1,284,267$0$0$455,040
82$1,347,590$0$0$478,195
83$1,415,241$0$0$502,978
84$1,487,593$0$0$529,533
85$1,565,057$0$0$558,018
86$1,648,082$0$0$588,604
87$1,737,163$0$0$621,480
88$1,832,841$0$0$656,854
89$1,935,710$0$0$694,953
90$2,046,424$0$0$736,028
91$2,165,699$0$0$780,354
92$2,294,321$0$0$828,233
93$2,433,156$0$0$879,996
94$2,583,154$0$0$936,008
95$2,745,359$0$0$996,671
96$2,920,919$0$0$1,062,424
97$3,111,095$0$0$1,133,754
98$3,317,274$0$0$1,211,192
99$3,540,983$0$0$1,295,326
100$3,783,898$0$0$1,386,799