Can I retire at age 35 with 519,000?

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 $519,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$42,859$42,477$42,104$41,741$41,386$40,869
2 years$21,217$20,822$20,439$20,068$19,708$19,187
3 years$14,004$13,607$13,225$12,858$12,503$11,996
4 years$10,398$10,003$9,625$9,263$8,917$8,427
5 years$8,236$7,842$7,469$7,115$6,779$6,307
6 years$6,794$6,404$6,036$5,690$5,364$4,910
7 years$5,765$5,378$5,016$4,678$4,362$3,928
8 years$4,993$4,610$4,254$3,924$3,619$3,204
9 years$4,394$4,014$3,664$3,343$3,048$2,651
10 years$3,914$3,538$3,194$2,881$2,597$2,219
11 years$3,522$3,150$2,812$2,508$2,233$1,873
12 years$3,196$2,827$2,496$2,200$1,935$1,593
13 years$2,919$2,555$2,230$1,942$1,688$1,363
14 years$2,683$2,322$2,004$1,724$1,479$1,172
15 years$2,478$2,121$1,809$1,537$1,303$1,011
16 years$2,299$1,946$1,640$1,376$1,151$876
17 years$2,142$1,792$1,492$1,237$1,021$761
18 years$2,002$1,656$1,362$1,115$908$662
19 years$1,876$1,535$1,247$1,007$809$578
20 years$1,764$1,426$1,145$912$723$505
21 years$1,662$1,329$1,053$828$647$442
22 years$1,570$1,240$970$753$580$387
23 years$1,486$1,160$896$685$520$340
24 years$1,409$1,087$829$625$468$299
25 years$1,338$1,020$767$571$421$263
26 years$1,273$959$712$522$379$231
27 years$1,213$902$661$478$342$203
28 years$1,157$850$614$438$308$179
29 years$1,105$802$572$401$278$158
30 years$1,056$757$533$368$252$139
31 years$1,011$716$497$338$227$123
32 years$969$677$463$311$206$109
33 years$929$642$433$286$186$96
34 years$892$608$404$263$169$85
35 years$857$577$378$242$153$75
36 years$824$547$353$223$138$66
37 years$793$520$331$206$125$58
38 years$764$494$310$189$114$52
39 years$736$470$290$175$103$46
40 years$710$447$272$161$94$40
41 years$685$426$255$149$85$36
42 years$661$405$239$137$77$32
43 years$638$386$225$127$70$28
44 years$617$368$211$117$63$25
45 years$596$351$198$108$58$22
46 years$577$335$186$100$52$19
47 years$558$320$175$92$47$17
48 years$540$305$164$85$43$15
49 years$523$291$154$79$39$13
50 years$507$278$145$73$36$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $519,000, adding $5,168 every year, while hoping to spend $20,453 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: 81/10/9 Blend
34$519,000$519,000$519,000$519,000
35$577,269$549,762$541,717$622,857
36$614,388$554,938$538,103$658,650
37$654,609$559,683$533,682$694,700
38$698,224$563,953$528,406$733,654
39$745,559$567,703$522,224$775,790
40$796,970$570,884$515,082$821,418
41$852,849$573,445$506,925$870,877
42$913,627$575,332$497,695$924,540
43$979,779$576,484$487,329$982,820
44$1,051,826$576,842$475,765$1,046,170
45$1,130,344$576,339$462,934$1,115,090
46$1,215,964$574,905$448,768$1,190,130
47$1,309,383$572,465$433,192$1,271,898
48$1,411,366$568,942$416,130$1,361,061
49$1,522,757$564,252$397,502$1,458,356
50$1,644,484$558,306$377,224$1,564,595
51$1,777,569$551,011$355,209$1,680,672
52$1,923,137$542,266$331,364$1,807,572
53$2,082,427$531,968$305,595$1,946,382
54$2,256,803$520,003$277,801$2,098,299
55$2,447,768$506,253$247,878$2,264,641
56$2,656,975$490,595$215,717$2,446,861
57$2,886,247$472,894$181,204$2,646,562
58$3,137,590$453,012$144,219$2,865,509
59$3,413,213$430,798$104,640$3,105,647
60$3,715,551$406,098$62,336$3,369,121
61$4,047,285$378,744$17,171$3,658,293
62$4,411,367$348,561$0$3,975,768
63$4,811,050$315,364$0$4,327,396
64$5,249,917$278,957$0$4,715,315
65$5,731,914$239,132$0$5,141,374
66$6,261,391$195,671$0$5,609,432
67$6,843,136$148,342$0$6,123,740
68$7,482,426$96,901$0$6,688,982
69$8,185,074$41,090$0$7,310,321
70$8,957,485$0$0$7,993,444
71$9,806,714$0$0$8,746,750
72$10,740,534$0$0$9,580,079
73$11,767,511$0$0$10,496,554
74$12,897,080$0$0$11,504,597
75$14,139,637$0$0$12,613,490
76$15,506,637$0$0$13,833,455
77$17,010,701$0$0$15,175,758
78$18,665,735$0$0$16,652,811
79$20,487,060$0$0$18,278,292
80$22,491,559$0$0$20,067,269
81$24,697,834$0$0$22,036,346
82$27,126,382$0$0$24,203,819
83$29,799,786$0$0$26,589,846
84$32,742,933$0$0$29,216,642
85$35,983,243$0$0$32,108,681
86$39,550,931$0$0$35,292,935
87$43,479,292$0$0$38,799,121
88$47,805,012$0$0$42,659,987
89$52,568,516$0$0$46,911,617
90$57,814,351$0$0$51,593,773
91$63,591,602$0$0$56,750,270
92$69,954,359$0$0$62,429,389
93$76,962,223$0$0$68,684,331
94$84,680,874$0$0$75,573,722
95$93,182,686$0$0$83,162,164
96$102,547,410$0$0$91,520,845
97$112,862,928$0$0$100,728,210
98$124,226,083$0$0$110,870,702
99$136,743,591$0$0$122,043,576
100$150,533,048$0$0$134,351,802