Can I retire at age 52 with 394,000?

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 $394,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$32,536$32,246$31,964$31,688$31,418$31,103
2 years$16,107$15,807$15,516$15,234$14,961$14,644
3 years$10,631$10,330$10,040$9,761$9,492$9,182
4 years$7,894$7,594$7,307$7,032$6,770$6,470
5 years$6,252$5,954$5,670$5,401$5,146$4,857
6 years$5,158$4,862$4,582$4,320$4,072$3,794
7 years$4,377$4,083$3,808$3,551$3,312$3,045
8 years$3,791$3,500$3,229$2,979$2,747$2,492
9 years$3,335$3,047$2,782$2,538$2,314$2,070
10 years$2,971$2,686$2,425$2,187$1,971$1,738
11 years$2,674$2,391$2,135$1,904$1,695$1,473
12 years$2,426$2,146$1,895$1,670$1,469$1,258
13 years$2,216$1,939$1,693$1,474$1,281$1,080
14 years$2,037$1,763$1,521$1,309$1,123$932
15 years$1,881$1,610$1,373$1,167$989$808
16 years$1,746$1,478$1,245$1,045$874$702
17 years$1,626$1,361$1,133$939$775$613
18 years$1,520$1,257$1,034$846$689$536
19 years$1,424$1,165$947$765$614$469
20 years$1,339$1,083$869$692$549$412
21 years$1,262$1,009$799$628$491$362
22 years$1,192$942$737$571$440$319
23 years$1,128$881$680$520$395$281
24 years$1,069$825$629$475$355$248
25 years$1,016$774$583$433$319$219
26 years$966$728$540$396$288$194
27 years$921$685$502$363$259$172
28 years$878$645$466$332$234$152
29 years$839$609$434$305$211$135
30 years$802$575$404$280$191$119
31 years$768$544$377$257$173$106
32 years$736$514$352$236$156$94
33 years$706$487$328$217$141$83
34 years$677$462$307$200$128$74
35 years$651$438$287$184$116$66
36 years$626$416$268$169$105$58
37 years$602$395$251$156$95$52
38 years$580$375$235$144$86$46
39 years$559$357$220$133$78$41
40 years$539$339$207$122$71$36
41 years$520$323$194$113$64$32
42 years$502$308$182$104$58$29
43 years$484$293$170$96$53$25
44 years$468$279$160$89$48$23
45 years$453$266$150$82$44$20
46 years$438$254$141$76$40$18
47 years$424$243$133$70$36$16
48 years$410$232$125$65$33$14
49 years$397$221$117$60$30$13
50 years$385$211$110$55$27$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $394,000, adding $6,834 every year, while hoping to spend $24,427 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: 61/10/29 Blend
51$394,000$394,000$394,000$394,000
52$441,237$420,355$414,248$464,319
53$460,253$414,963$402,135$475,444
54$480,390$408,487$388,798$484,367
55$501,737$400,849$374,170$493,596
56$524,390$391,967$358,180$503,166
57$548,454$381,750$340,756$513,118
58$574,047$370,106$321,822$523,497
59$601,294$356,936$301,297$534,353
60$630,334$342,134$279,098$545,744
61$661,319$325,589$255,139$557,735
62$694,416$307,185$229,328$570,397
63$729,805$286,796$201,570$583,811
64$767,689$264,292$171,766$598,069
65$808,284$239,534$139,811$613,273
66$851,833$212,375$105,599$629,535
67$898,598$182,660$69,015$646,984
68$948,870$150,225$29,941$665,762
69$1,002,966$114,896$0$686,026
70$1,061,234$76,493$0$711,593
71$1,124,060$34,820$0$749,145
72$1,191,862$0$0$789,668
73$1,265,105$0$0$834,588
74$1,344,296$0$0$887,323
75$1,429,994$0$0$944,416
76$1,522,814$0$0$1,006,280
77$1,623,430$0$0$1,073,369
78$1,732,586$0$0$1,146,181
79$1,851,098$0$0$1,225,265
80$1,979,865$0$0$1,311,224
81$2,119,875$0$0$1,404,721
82$2,272,215$0$0$1,506,487
83$2,438,081$0$0$1,617,326
84$2,618,789$0$0$1,738,121
85$2,815,788$0$0$1,869,846
86$3,030,673$0$0$2,013,572
87$3,265,198$0$0$2,170,477
88$3,521,294$0$0$2,341,860
89$3,801,087$0$0$2,529,148
90$4,106,920$0$0$2,733,916
91$4,441,368$0$0$2,957,893
92$4,807,269$0$0$3,202,987
93$5,207,748$0$0$3,471,298
94$5,646,246$0$0$3,765,136
95$6,126,550$0$0$4,087,049
96$6,652,833$0$0$4,439,840
97$7,229,691$0$0$4,826,597
98$7,862,184$0$0$5,250,721
99$8,555,885$0$0$5,715,958
100$9,316,934$0$0$6,226,433