Can I retire at age 35 with 506,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $506,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$41,785$41,413$41,050$40,695$40,349$39,681
2 years$20,686$20,300$19,927$19,565$19,214$18,542
3 years$13,653$13,267$12,894$12,535$12,190$11,536
4 years$10,138$9,752$9,384$9,031$8,694$8,063
5 years$8,029$7,646$7,282$6,937$6,609$6,003
6 years$6,624$6,243$5,885$5,547$5,230$4,649
7 years$5,621$5,243$4,890$4,561$4,253$3,698
8 years$4,868$4,494$4,147$3,826$3,528$2,999
9 years$4,284$3,913$3,572$3,259$2,971$2,467
10 years$3,816$3,449$3,114$2,809$2,532$2,052
11 years$3,434$3,071$2,742$2,445$2,177$1,722
12 years$3,115$2,756$2,433$2,144$1,887$1,455
13 years$2,846$2,491$2,174$1,893$1,645$1,237
14 years$2,616$2,264$1,953$1,681$1,442$1,056
15 years$2,416$2,068$1,764$1,499$1,270$905
16 years$2,242$1,898$1,599$1,342$1,122$778
17 years$2,088$1,748$1,455$1,206$995$671
18 years$1,951$1,615$1,328$1,087$885$580
19 years$1,829$1,497$1,216$982$789$502
20 years$1,720$1,391$1,116$889$704$436
21 years$1,621$1,295$1,026$807$630$379
22 years$1,531$1,209$946$734$565$329
23 years$1,449$1,131$873$668$507$287
24 years$1,374$1,060$808$610$456$250
25 years$1,305$994$748$557$410$218
26 years$1,241$935$694$509$370$190
27 years$1,182$880$644$466$333$166
28 years$1,128$829$599$427$301$145
29 years$1,077$782$557$391$271$127
30 years$1,030$738$519$359$245$111
31 years$986$698$484$330$222$97
32 years$945$660$452$303$201$85
33 years$906$625$422$279$182$75
34 years$870$593$394$257$164$65
35 years$836$562$368$236$149$57
36 years$804$534$345$218$135$50
37 years$773$507$323$200$122$44
38 years$745$482$302$185$111$38
39 years$717$458$283$170$101$34
40 years$692$436$265$157$91$30
41 years$667$415$249$145$83$26
42 years$644$395$233$134$75$23
43 years$622$376$219$123$68$20
44 years$601$359$205$114$62$17
45 years$581$342$193$105$56$15
46 years$562$326$181$97$51$13
47 years$544$312$170$90$46$12
48 years$527$297$160$83$42$10
49 years$510$284$150$77$38$9
50 years$494$271$141$71$35$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $506,000, adding $3,919 every year, while hoping to spend $35,236 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: 60/32/8 Blend
34$506,000$506,000$506,000$506,000
35$561,654$534,836$526,993$594,150
36$581,452$523,553$507,157$605,117
37$602,089$510,535$485,475$612,693
38$623,612$495,661$461,848$620,075
39$646,074$478,802$436,174$627,245
40$669,531$459,821$408,343$634,185
41$694,043$438,572$378,243$640,878
42$719,677$414,904$345,755$647,305
43$746,503$388,653$310,757$653,450
44$774,598$359,649$273,119$659,295
45$804,045$327,710$232,707$664,823
46$834,934$292,644$189,379$670,019
47$867,364$254,250$142,990$674,866
48$901,441$212,314$93,386$679,351
49$937,280$166,609$40,406$683,461
50$975,007$116,898$0$687,187
51$1,014,759$62,927$0$691,896
52$1,056,685$4,432$0$699,976
53$1,100,949$0$0$707,987
54$1,147,726$0$0$736,678
55$1,197,210$0$0$768,698
56$1,249,613$0$0$802,626
57$1,305,166$0$0$838,613
58$1,364,119$0$0$876,826
59$1,426,749$0$0$917,445
60$1,493,358$0$0$960,670
61$1,564,275$0$0$1,006,718
62$1,639,860$0$0$1,055,827
63$1,720,511$0$0$1,108,257
64$1,806,659$0$0$1,164,294
65$1,898,781$0$0$1,224,251
66$1,997,395$0$0$1,288,471
67$2,103,074$0$0$1,357,332
68$2,216,444$0$0$1,431,245
69$2,338,191$0$0$1,510,665
70$2,469,070$0$0$1,596,089
71$2,609,909$0$0$1,688,063
72$2,761,616$0$0$1,787,187
73$2,925,191$0$0$1,894,121
74$3,101,730$0$0$2,009,588
75$3,292,438$0$0$2,134,384
76$3,498,640$0$0$2,269,384
77$3,721,792$0$0$2,415,548
78$3,963,493$0$0$2,573,934
79$4,225,503$0$0$2,745,703
80$4,509,756$0$0$2,932,133
81$4,818,381$0$0$3,134,629
82$5,153,718$0$0$3,354,738
83$5,518,340$0$0$3,594,160
84$5,915,081$0$0$3,854,767
85$6,347,056$0$0$4,138,616
86$6,817,694$0$0$4,447,973
87$7,330,770$0$0$4,785,332
88$7,890,436$0$0$5,153,438
89$8,501,264$0$0$5,555,310
90$9,168,286$0$0$5,994,274
91$9,897,040$0$0$6,473,991
92$10,693,625$0$0$6,998,490
93$11,564,755$0$0$7,572,209
94$12,517,822$0$0$8,200,033
95$13,560,966$0$0$8,887,342
96$14,703,150$0$0$9,640,061
97$15,954,245$0$0$10,464,712
98$17,325,119$0$0$11,368,480
99$18,827,744$0$0$12,359,279
100$20,475,304$0$0$13,445,822