Can I retire at age 52 with 395,000?

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 $395,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$32,619$32,328$32,045$31,768$31,498$31,247
2 years$16,148$15,847$15,556$15,273$14,999$14,746
3 years$10,658$10,356$10,066$9,786$9,516$9,269
4 years$7,914$7,613$7,325$7,050$6,787$6,548
5 years$6,268$5,969$5,685$5,415$5,159$4,928
6 years$5,171$4,874$4,594$4,330$4,082$3,860
7 years$4,388$4,093$3,818$3,560$3,320$3,107
8 years$3,800$3,509$3,238$2,987$2,754$2,550
9 years$3,344$3,055$2,789$2,544$2,320$2,124
10 years$2,979$2,693$2,431$2,193$1,976$1,789
11 years$2,681$2,397$2,140$1,909$1,700$1,521
12 years$2,432$2,152$1,900$1,674$1,473$1,303
13 years$2,222$1,944$1,697$1,478$1,284$1,122
14 years$2,042$1,767$1,525$1,312$1,126$972
15 years$1,886$1,615$1,377$1,170$991$845
16 years$1,750$1,481$1,248$1,048$876$737
17 years$1,630$1,364$1,136$941$777$645
18 years$1,523$1,261$1,037$848$691$566
19 years$1,428$1,168$949$766$616$498
20 years$1,342$1,086$871$694$550$439
21 years$1,265$1,011$801$630$492$387
22 years$1,195$944$738$573$441$342
23 years$1,131$883$682$522$396$303
24 years$1,072$827$631$476$356$268
25 years$1,018$776$584$435$320$238
26 years$969$730$542$397$288$211
27 years$923$687$503$364$260$188
28 years$880$647$468$333$235$167
29 years$841$610$435$306$212$148
30 years$804$576$405$280$191$132
31 years$770$545$378$258$173$118
32 years$738$516$353$237$157$105
33 years$707$488$329$218$142$93
34 years$679$463$308$200$128$83
35 years$652$439$288$184$116$74
36 years$627$417$269$170$105$66
37 years$604$396$252$156$95$59
38 years$581$376$236$144$87$53
39 years$560$358$221$133$78$47
40 years$540$340$207$123$71$42
41 years$521$324$194$113$65$37
42 years$503$308$182$104$59$33
43 years$486$294$171$96$53$30
44 years$469$280$160$89$48$27
45 years$454$267$151$82$44$24
46 years$439$255$141$76$40$21
47 years$425$243$133$70$36$19
48 years$411$232$125$65$33$17
49 years$398$222$117$60$30$15
50 years$386$212$110$55$27$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $395,000, adding $2,762 every year, while hoping to spend $26,655 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: 70/5/25 Blend
51$395,000$395,000$395,000$395,000
52$438,139$417,204$411,082$465,842
53$454,468$409,286$396,492$476,820
54$471,570$400,087$380,520$485,476
55$489,495$389,516$363,092$494,322
56$508,297$377,476$344,130$503,373
57$528,037$363,866$323,552$512,650
58$548,779$348,577$301,273$522,175
59$570,593$331,496$277,204$531,974
60$593,556$312,503$251,253$542,075
61$617,752$291,468$223,323$552,511
62$643,270$268,258$193,312$563,319
63$670,211$242,729$161,115$574,540
64$698,681$214,732$126,621$586,221
65$728,798$184,106$89,715$598,415
66$760,692$150,683$50,276$611,181
67$794,501$114,285$8,179$624,586
68$830,380$74,725$0$638,704
69$868,496$31,804$0$663,420
70$909,033$0$0$691,993
71$952,190$0$0$723,189
72$998,189$0$0$758,316
73$1,047,269$0$0$795,808
74$1,099,694$0$0$835,869
75$1,155,752$0$0$878,721
76$1,215,762$0$0$924,608
77$1,280,069$0$0$973,797
78$1,349,054$0$0$1,026,583
79$1,423,137$0$0$1,083,287
80$1,502,775$0$0$1,144,262
81$1,588,472$0$0$1,209,897
82$1,680,782$0$0$1,280,618
83$1,780,311$0$0$1,356,893
84$1,887,726$0$0$1,439,236
85$2,003,762$0$0$1,528,211
86$2,129,223$0$0$1,624,441
87$2,264,995$0$0$1,728,607
88$2,412,051$0$0$1,841,460
89$2,571,462$0$0$1,963,825
90$2,744,405$0$0$2,096,609
91$2,932,173$0$0$2,240,810
92$3,136,190$0$0$2,397,526
93$3,358,023$0$0$2,567,963
94$3,599,394$0$0$2,753,450
95$3,862,198$0$0$2,955,449
96$4,148,522$0$0$3,175,568
97$4,460,661$0$0$3,415,577
98$4,801,141$0$0$3,677,424
99$5,172,744$0$0$3,963,253
100$5,578,529$0$0$4,275,426