Can I retire at age 35 with 507,000?

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 $507,000?

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 years$41,868$41,495$41,131$40,776$40,429$39,119
2 years$20,727$20,341$19,966$19,604$19,252$17,945
3 years$13,680$13,293$12,920$12,560$12,214$10,950
4 years$10,158$9,772$9,402$9,049$8,711$7,501
5 years$8,045$7,661$7,296$6,950$6,622$5,468
6 years$6,637$6,256$5,897$5,558$5,240$4,143
7 years$5,632$5,254$4,900$4,570$4,261$3,222
8 years$4,878$4,503$4,156$3,834$3,535$2,552
9 years$4,292$3,921$3,579$3,265$2,977$2,050
10 years$3,824$3,456$3,121$2,815$2,537$1,663
11 years$3,441$3,077$2,747$2,450$2,182$1,360
12 years$3,122$2,762$2,438$2,149$1,891$1,120
13 years$2,852$2,496$2,178$1,897$1,649$927
14 years$2,621$2,268$1,957$1,684$1,445$770
15 years$2,421$2,072$1,767$1,502$1,272$642
16 years$2,246$1,901$1,602$1,345$1,125$536
17 years$2,092$1,751$1,458$1,208$997$449
18 years$1,955$1,618$1,331$1,089$887$377
19 years$1,833$1,500$1,218$984$790$317
20 years$1,723$1,393$1,118$891$706$267
21 years$1,624$1,298$1,028$809$632$225
22 years$1,534$1,212$948$735$566$190
23 years$1,451$1,133$875$670$508$160
24 years$1,376$1,062$809$611$457$135
25 years$1,307$996$750$558$411$114
26 years$1,243$936$695$510$370$97
27 years$1,185$881$646$467$334$82
28 years$1,130$830$600$428$301$69
29 years$1,079$783$559$392$272$58
30 years$1,032$740$520$360$246$49
31 years$988$699$485$331$222$42
32 years$947$662$453$304$201$35
33 years$908$627$423$279$182$30
34 years$872$594$395$257$165$25
35 years$837$563$369$237$149$22
36 years$805$535$345$218$135$18
37 years$775$508$323$201$122$15
38 years$746$483$303$185$111$13
39 years$719$459$284$171$101$11
40 years$693$437$266$157$91$9
41 years$669$416$249$145$83$8
42 years$645$396$234$134$75$7
43 years$623$377$219$124$68$6
44 years$602$360$206$114$62$5
45 years$582$343$193$105$56$4
46 years$563$327$182$97$51$3
47 years$545$312$171$90$46$3
48 years$528$298$160$83$42$2
49 years$511$285$151$77$38$2
50 years$495$272$142$71$35$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $507,000, adding $5,750 every year, while hoping to spend $22,081 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: 50/44/6 Blend
34$507,000$507,000$507,000$507,000
35$564,645$537,774$529,916$591,752
36$598,745$540,631$524,174$613,698
37$635,583$542,888$517,500$634,679
38$675,415$544,492$509,838$656,948
39$718,522$545,387$501,133$680,633
40$765,214$545,514$491,324$705,871
41$815,831$544,809$480,348$732,818
42$870,747$543,206$468,141$761,643
43$930,373$540,632$454,633$792,538
44$995,161$537,013$439,753$825,712
45$1,065,609$532,269$423,427$861,397
46$1,142,264$526,313$405,575$899,851
47$1,225,729$519,056$386,115$941,360
48$1,316,666$510,403$364,963$986,238
49$1,415,806$500,252$342,029$1,034,836
50$1,523,950$488,496$317,219$1,087,542
51$1,641,982$475,022$290,435$1,144,783
52$1,770,875$459,709$261,575$1,207,033
53$1,911,699$442,430$230,533$1,274,818
54$2,065,634$423,051$197,198$1,348,718
55$2,233,977$401,428$161,452$1,429,374
56$2,418,157$377,412$123,174$1,517,498
57$2,619,747$350,843$82,239$1,613,875
58$2,840,479$321,553$38,512$1,719,374
59$3,082,262$289,363$0$1,834,955
60$3,347,197$254,086$0$1,962,203
61$3,637,597$215,523$0$2,104,434
62$3,956,012$173,463$0$2,260,487
63$4,305,246$127,684$0$2,431,806
64$4,688,393$77,952$0$2,619,988
65$5,108,858$24,020$0$2,826,793
66$5,570,390$0$0$3,054,168
67$6,077,123$0$0$3,320,905
68$6,633,606$0$0$3,626,658
69$7,244,855$0$0$3,962,560
70$7,916,391$0$0$4,331,651
71$8,654,299$0$0$4,737,285
72$9,465,283$0$0$5,183,153
73$10,356,728$0$0$5,673,324
74$11,336,767$0$0$6,212,279
75$12,414,366$0$0$6,804,957
76$13,599,400$0$0$7,456,796
77$14,902,748$0$0$8,173,792
78$16,336,398$0$0$8,962,548
79$17,913,558$0$0$9,830,341
80$19,648,780$0$0$10,785,187
81$21,558,098$0$0$11,835,921
82$23,659,178$0$0$12,992,275
83$25,971,487$0$0$14,264,973
84$28,516,471$0$0$15,665,832
85$31,317,765$0$0$17,207,872
86$34,401,408$0$0$18,905,440
87$37,796,093$0$0$20,774,345
88$41,533,437$0$0$22,832,006
89$45,648,278$0$0$25,097,616
90$50,179,002$0$0$27,592,326
91$55,167,911$0$0$30,339,441
92$60,661,614$0$0$33,364,642
93$66,711,472$0$0$36,696,226
94$73,374,080$0$0$40,365,377
95$80,711,802$0$0$44,406,454
96$88,793,359$0$0$48,857,321
97$97,694,477$0$0$53,759,700
98$107,498,601$0$0$59,159,569
99$118,297,683$0$0$65,107,591
100$130,193,050$0$0$71,659,593