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%17.6%
1 years$42,198$41,822$41,455$41,097$40,748$39,491
2 years$20,890$20,501$20,124$19,758$19,404$18,148
3 years$13,788$13,398$13,022$12,659$12,311$11,096
4 years$10,238$9,849$9,476$9,120$8,780$7,616
5 years$8,109$7,721$7,354$7,005$6,674$5,564
6 years$6,689$6,305$5,943$5,602$5,281$4,225
7 years$5,676$5,295$4,939$4,606$4,295$3,293
8 years$4,916$4,539$4,188$3,864$3,563$2,615
9 years$4,326$3,952$3,608$3,291$3,001$2,105
10 years$3,854$3,483$3,145$2,837$2,557$1,712
11 years$3,468$3,101$2,769$2,469$2,199$1,404
12 years$3,146$2,783$2,457$2,166$1,906$1,159
13 years$2,874$2,515$2,195$1,912$1,662$962
14 years$2,642$2,286$1,973$1,697$1,457$801
15 years$2,440$2,089$1,781$1,514$1,282$670
16 years$2,264$1,916$1,615$1,355$1,133$561
17 years$2,109$1,765$1,469$1,218$1,005$472
18 years$1,971$1,631$1,341$1,097$894$397
19 years$1,847$1,511$1,228$992$796$335
20 years$1,737$1,404$1,127$898$711$283
21 years$1,637$1,308$1,037$815$637$239
22 years$1,546$1,221$955$741$571$202
23 years$1,463$1,142$882$675$512$171
24 years$1,387$1,070$816$616$460$145
25 years$1,317$1,004$756$562$414$123
26 years$1,253$944$701$514$373$104
27 years$1,194$888$651$470$336$88
28 years$1,139$837$605$431$304$75
29 years$1,088$790$563$395$274$64
30 years$1,040$746$524$363$248$54
31 years$996$705$489$333$224$46
32 years$954$667$456$306$203$39
33 years$915$632$426$282$183$33
34 years$879$599$398$259$166$28
35 years$844$568$372$238$150$24
36 years$812$539$348$220$136$20
37 years$781$512$326$202$123$17
38 years$752$486$305$187$112$15
39 years$725$463$286$172$102$12
40 years$699$440$268$159$92$11
41 years$674$419$251$146$84$9
42 years$651$399$236$135$76$8
43 years$628$380$221$125$69$7
44 years$607$362$208$115$62$6
45 years$587$346$195$106$57$5
46 years$568$330$183$98$51$4
47 years$549$315$172$91$47$3
48 years$532$300$162$84$42$3
49 years$515$287$152$77$39$2
50 years$499$274$143$72$35$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $511,000, adding $6,183 every year, while hoping to spend $20,586 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$511,000$511,000$511,000$511,000
35$569,500$542,417$534,496$602,316
36$605,685$547,092$530,499$629,731
37$644,872$551,306$525,677$656,712
38$687,344$555,015$519,982$685,626
39$733,414$558,172$513,362$716,658
40$783,426$560,726$505,764$750,015
41$837,758$562,624$497,129$785,925
42$896,826$563,809$487,400$824,638
43$961,088$564,222$476,514$866,433
44$1,031,048$563,797$464,406$911,615
45$1,107,259$562,468$451,008$960,522
46$1,190,332$560,161$436,249$1,013,527
47$1,280,937$556,800$420,054$1,071,043
48$1,379,813$552,304$402,347$1,133,524
49$1,487,774$546,587$383,046$1,201,473
50$1,605,714$539,557$362,065$1,275,443
51$1,734,620$531,118$339,316$1,356,046
52$1,875,574$521,166$314,707$1,443,957
53$2,029,773$509,594$288,140$1,539,922
54$2,198,531$496,285$259,514$1,644,764
55$2,383,297$481,118$228,723$1,759,390
56$2,585,665$463,965$195,657$1,884,803
57$2,807,392$444,688$160,201$2,022,108
58$3,050,411$423,143$122,233$2,172,527
59$3,316,854$399,178$81,628$2,337,405
60$3,609,065$372,630$38,255$2,518,230
61$3,929,630$343,329$0$2,716,641
62$4,281,394$311,094$0$2,935,133
63$4,667,493$275,734$0$3,178,547
64$5,091,380$237,048$0$3,445,830
65$5,556,859$194,822$0$3,739,425
66$6,068,121$148,830$0$4,062,028
67$6,629,783$98,836$0$4,416,611
68$7,246,929$44,587$0$4,806,452
69$7,925,163$0$0$5,235,167
70$8,670,656$0$0$5,711,736
71$9,490,210$0$0$6,252,954
72$10,391,315$0$0$6,848,073
73$11,382,225$0$0$7,502,549
74$12,472,035$0$0$8,222,394
75$13,670,763$0$0$9,014,234
76$14,989,449$0$0$9,885,365
77$16,440,255$0$0$10,843,830
78$18,036,582$0$0$11,898,488
79$19,793,197$0$0$13,059,102
80$21,726,369$0$0$14,336,428
81$23,854,023$0$0$15,742,318
82$26,195,912$0$0$17,289,831
83$28,773,801$0$0$18,993,358
84$31,611,670$0$0$20,868,753
85$34,735,944$0$0$22,933,487
86$38,175,741$0$0$25,206,812
87$41,963,144$0$0$27,709,941
88$46,133,507$0$0$30,466,248
89$50,725,786$0$0$33,501,490
90$55,782,907$0$0$36,844,049
91$61,352,171$0$0$40,525,199
92$67,485,702$0$0$44,579,403
93$74,240,935$0$0$49,044,635
94$81,681,160$0$0$53,962,742
95$89,876,118$0$0$59,379,837
96$98,902,662$0$0$65,346,731
97$108,845,478$0$0$71,919,417
98$119,797,885$0$0$79,159,599
99$131,862,719$0$0$87,135,268
100$145,153,296$0$0$95,921,348