Can I retire at age 35 with 515,000?

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 $515,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$42,528$42,149$41,780$41,419$41,067$39,547
2 years$21,054$20,661$20,281$19,913$19,556$18,041
3 years$13,896$13,502$13,123$12,758$12,407$10,946
4 years$10,318$9,926$9,551$9,192$8,849$7,452
5 years$8,172$7,782$7,412$7,060$6,727$5,399
6 years$6,742$6,355$5,990$5,646$5,323$4,064
7 years$5,721$5,337$4,977$4,642$4,329$3,139
8 years$4,955$4,574$4,221$3,894$3,591$2,469
9 years$4,360$3,983$3,636$3,317$3,024$1,968
10 years$3,884$3,511$3,170$2,859$2,577$1,585
11 years$3,495$3,125$2,791$2,488$2,216$1,286
12 years$3,171$2,805$2,477$2,183$1,920$1,050
13 years$2,897$2,535$2,213$1,927$1,675$862
14 years$2,662$2,304$1,988$1,710$1,468$710
15 years$2,459$2,105$1,795$1,525$1,293$587
16 years$2,282$1,931$1,627$1,366$1,142$486
17 years$2,125$1,779$1,481$1,227$1,013$404
18 years$1,986$1,644$1,352$1,106$901$336
19 years$1,862$1,523$1,238$999$803$280
20 years$1,750$1,415$1,136$905$717$233
21 years$1,649$1,318$1,045$821$642$195
22 years$1,558$1,231$963$747$575$163
23 years$1,474$1,151$889$680$516$136
24 years$1,398$1,078$822$620$464$114
25 years$1,328$1,012$762$567$418$95
26 years$1,263$951$706$518$376$80
27 years$1,203$895$656$474$339$67
28 years$1,148$844$610$434$306$56
29 years$1,096$796$567$398$276$47
30 years$1,048$752$528$366$250$39
31 years$1,004$710$493$336$226$33
32 years$962$672$460$309$204$28
33 years$922$637$429$284$185$23
34 years$885$603$401$261$167$19
35 years$851$572$375$240$152$16
36 years$818$543$351$221$137$14
37 years$787$516$328$204$124$11
38 years$758$490$307$188$113$10
39 years$730$466$288$173$102$8
40 years$704$444$270$160$93$7
41 years$679$422$253$148$84$6
42 years$656$402$237$136$76$5
43 years$633$383$223$126$69$4
44 years$612$365$209$116$63$3
45 years$592$348$196$107$57$3
46 years$572$332$184$99$52$2
47 years$554$317$173$91$47$2
48 years$536$303$163$85$43$2
49 years$519$289$153$78$39$1
50 years$503$276$144$72$35$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $515,000, adding $2,563 every year, while hoping to spend $21,023 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: 25/47/28 Blend
34$515,000$515,000$515,000$515,000
35$570,174$542,879$534,896$579,374
36$605,963$547,111$530,447$591,481
37$644,698$550,847$525,144$602,501
38$686,658$554,039$518,937$613,880
39$732,148$556,637$511,772$625,664
40$781,504$558,590$503,593$637,902
41$835,097$559,840$494,343$650,653
42$893,334$560,329$483,961$663,981
43$956,662$559,994$472,381$677,961
44$1,025,574$558,766$459,539$692,676
45$1,100,613$556,575$445,363$708,219
46$1,182,373$553,346$429,781$724,696
47$1,271,513$548,997$412,716$742,227
48$1,368,753$543,444$394,088$760,946
49$1,474,890$536,597$373,814$781,004
50$1,590,798$528,360$351,807$802,568
51$1,717,442$518,631$327,974$825,828
52$1,855,881$507,304$302,221$850,996
53$2,007,283$494,264$274,448$878,308
54$2,172,935$479,392$244,551$908,030
55$2,354,251$462,560$212,420$940,457
56$2,552,792$443,632$177,944$975,920
57$2,770,274$422,467$141,002$1,014,787
58$3,008,588$398,914$101,471$1,057,469
59$3,269,815$372,812$59,222$1,104,423
60$3,556,250$343,994$14,120$1,156,159
61$3,870,418$312,280$0$1,213,244
62$4,215,101$277,482$0$1,286,471
63$4,593,364$239,401$0$1,371,542
64$5,008,582$197,826$0$1,465,060
65$5,464,472$152,535$0$1,567,939
66$5,965,132$103,293$0$1,681,192
67$6,515,072$49,851$0$1,805,939
68$7,119,264$0$0$1,943,419
69$7,783,182$0$0$2,099,169
70$8,512,859$0$0$2,298,774
71$9,314,940$0$0$2,518,282
72$10,196,747$0$0$2,759,709
73$11,166,347$0$0$3,025,274
74$12,232,626$0$0$3,317,426
75$13,405,376$0$0$3,638,860
76$14,695,385$0$0$3,992,546
77$16,114,538$0$0$4,381,758
78$17,675,932$0$0$4,810,101
79$19,393,997$0$0$5,281,550
80$21,284,630$0$0$5,800,482
81$23,365,349$0$0$6,371,722
82$25,655,457$0$0$7,000,586
83$28,176,222$0$0$7,692,931
84$30,951,078$0$0$8,455,210
85$34,005,847$0$0$9,294,537
86$37,368,981$0$0$10,218,747
87$41,071,834$0$0$11,236,476
88$45,148,950$0$0$12,357,239
89$49,638,398$0$0$13,591,521
90$54,582,124$0$0$14,950,876
91$60,026,348$0$0$16,448,035
92$66,022,005$0$0$18,097,028
93$72,625,217$0$0$19,913,314
94$79,897,828$0$0$21,913,928
95$87,907,989$0$0$24,117,643
96$96,730,795$0$0$26,545,144
97$106,448,997$0$0$29,219,227
98$117,153,782$0$0$32,165,010
99$128,945,636$0$0$35,410,174
100$141,935,287$0$0$38,985,220