Can I retire at age 35 with 511,000?

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 $511,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$42,198$41,822$41,455$41,097$40,748$39,828
2 years$20,890$20,501$20,124$19,758$19,404$18,481
3 years$13,788$13,398$13,022$12,659$12,311$11,415
4 years$10,238$9,849$9,476$9,120$8,780$7,918
5 years$8,109$7,721$7,354$7,005$6,674$5,849
6 years$6,689$6,305$5,943$5,602$5,281$4,493
7 years$5,676$5,295$4,939$4,606$4,295$3,544
8 years$4,916$4,539$4,188$3,864$3,563$2,849
9 years$4,326$3,952$3,608$3,291$3,001$2,323
10 years$3,854$3,483$3,145$2,837$2,557$1,914
11 years$3,468$3,101$2,769$2,469$2,199$1,591
12 years$3,146$2,783$2,457$2,166$1,906$1,332
13 years$2,874$2,515$2,195$1,912$1,662$1,120
14 years$2,642$2,286$1,973$1,697$1,457$947
15 years$2,440$2,089$1,781$1,514$1,282$803
16 years$2,264$1,916$1,615$1,355$1,133$684
17 years$2,109$1,765$1,469$1,218$1,005$583
18 years$1,971$1,631$1,341$1,097$894$499
19 years$1,847$1,511$1,228$992$796$427
20 years$1,737$1,404$1,127$898$711$366
21 years$1,637$1,308$1,037$815$637$315
22 years$1,546$1,221$955$741$571$271
23 years$1,463$1,142$882$675$512$233
24 years$1,387$1,070$816$616$460$201
25 years$1,317$1,004$756$562$414$173
26 years$1,253$944$701$514$373$149
27 years$1,194$888$651$470$336$129
28 years$1,139$837$605$431$304$111
29 years$1,088$790$563$395$274$96
30 years$1,040$746$524$363$248$83
31 years$996$705$489$333$224$72
32 years$954$667$456$306$203$62
33 years$915$632$426$282$183$54
34 years$879$599$398$259$166$46
35 years$844$568$372$238$150$40
36 years$812$539$348$220$136$35
37 years$781$512$326$202$123$30
38 years$752$486$305$187$112$26
39 years$725$463$286$172$102$22
40 years$699$440$268$159$92$19
41 years$674$419$251$146$84$17
42 years$651$399$236$135$76$15
43 years$628$380$221$125$69$13
44 years$607$362$208$115$62$11
45 years$587$346$195$106$57$9
46 years$568$330$183$98$51$8
47 years$549$315$172$91$47$7
48 years$532$300$162$84$42$6
49 years$515$287$152$77$39$5
50 years$499$274$143$72$35$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $511,000, adding $6,642 every year, while hoping to spend $39,170 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: 52/26/22 Blend
34$511,000$511,000$511,000$511,000
35$569,973$542,890$534,970$595,820
36$586,434$527,815$511,215$599,290
37$603,261$510,689$485,351$598,477
38$620,450$491,369$457,267$596,771
39$637,995$469,706$426,845$594,102
40$655,890$445,540$393,963$590,394
41$674,123$418,704$358,493$585,567
42$692,683$389,020$320,302$579,536
43$711,555$356,300$279,251$572,208
44$730,721$320,346$235,193$563,486
45$750,159$280,948$187,976$553,267
46$769,844$237,884$137,443$541,439
47$789,747$190,919$83,426$527,885
48$809,834$139,806$25,753$512,477
49$830,065$84,284$0$495,081
50$850,394$24,077$0$483,955
51$870,771$0$0$477,540
52$891,135$0$0$481,429
53$911,421$0$0$492,133
54$931,551$0$0$502,718
55$951,440$0$0$513,136
56$970,991$0$0$523,329
57$990,096$0$0$533,235
58$1,008,631$0$0$542,781
59$1,026,459$0$0$551,888
60$1,043,427$0$0$560,468
61$1,059,362$0$0$568,419
62$1,074,072$0$0$575,631
63$1,087,341$0$0$581,980
64$1,098,932$0$0$587,327
65$1,108,576$0$0$591,517
66$1,115,976$0$0$594,380
67$1,120,803$0$0$595,725
68$1,122,688$0$0$595,339
69$1,121,224$0$0$592,988
70$1,115,957$0$0$588,410
71$1,106,385$0$0$581,316
72$1,091,949$0$0$571,384
73$1,072,031$0$0$558,258
74$1,045,946$0$0$541,544
75$1,012,933$0$0$520,806
76$972,154$0$0$495,558
77$922,675$0$0$465,267
78$863,467$0$0$429,340
79$793,391$0$0$387,121
80$711,185$0$0$337,887
81$615,456$0$0$280,836
82$504,662$0$0$215,084
83$377,099$0$0$139,651
84$230,885$0$0$53,456
85$63,940$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0