Can I retire at age 35 with 520,000?

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 $520,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$42,941$42,559$42,185$41,821$41,466$41,239
2 years$21,258$20,862$20,478$20,106$19,745$19,517
3 years$14,031$13,634$13,251$12,882$12,527$12,304
4 years$10,419$10,022$9,643$9,281$8,935$8,718
5 years$8,251$7,857$7,484$7,129$6,792$6,582
6 years$6,807$6,416$6,048$5,701$5,374$5,172
7 years$5,776$5,388$5,026$4,687$4,371$4,177
8 years$5,003$4,619$4,262$3,932$3,626$3,440
9 years$4,402$4,021$3,671$3,349$3,054$2,875
10 years$3,922$3,545$3,201$2,887$2,602$2,431
11 years$3,529$3,156$2,818$2,512$2,238$2,074
12 years$3,202$2,832$2,501$2,204$1,939$1,783
13 years$2,925$2,560$2,234$1,946$1,691$1,542
14 years$2,688$2,327$2,007$1,727$1,482$1,340
15 years$2,483$2,125$1,812$1,540$1,305$1,170
16 years$2,304$1,950$1,643$1,379$1,153$1,025
17 years$2,146$1,796$1,495$1,239$1,023$901
18 years$2,005$1,660$1,365$1,117$909$794
19 years$1,880$1,538$1,250$1,009$811$701
20 years$1,767$1,429$1,147$914$724$621
21 years$1,665$1,331$1,055$829$648$550
22 years$1,573$1,243$972$754$581$488
23 years$1,489$1,162$898$687$521$434
24 years$1,412$1,089$830$626$469$386
25 years$1,341$1,022$769$572$422$344
26 years$1,275$960$713$523$380$307
27 years$1,215$904$662$479$342$274
28 years$1,159$852$616$439$309$245
29 years$1,107$804$573$402$279$219
30 years$1,058$759$534$369$252$196
31 years$1,013$717$497$339$228$175
32 years$971$679$464$312$206$157
33 years$931$643$433$287$187$140
34 years$894$609$405$264$169$126
35 years$859$578$379$243$153$113
36 years$826$548$354$224$139$101
37 years$795$521$331$206$126$90
38 years$765$495$310$190$114$81
39 years$737$471$291$175$103$73
40 years$711$448$273$161$94$65
41 years$686$426$256$149$85$59
42 years$662$406$240$137$77$53
43 years$639$387$225$127$70$47
44 years$618$369$211$117$64$42
45 years$597$352$198$108$58$38
46 years$578$335$186$100$52$34
47 years$559$320$175$92$48$31
48 years$541$306$164$85$43$27
49 years$524$292$155$79$39$25
50 years$508$279$145$73$36$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $520,000, adding $4,987 every year, while hoping to spend $33,103 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: 61/19/20 Blend
34$520,000$520,000$520,000$520,000
35$578,184$550,624$542,564$610,157
36$601,938$542,383$525,519$624,117
37$627,004$532,629$506,793$635,239
38$653,484$521,253$486,295$646,625
39$681,483$508,139$463,930$658,302
40$711,121$493,164$439,599$670,307
41$742,526$476,200$413,196$682,677
42$775,839$457,109$384,613$695,459
43$811,213$435,746$353,736$708,703
44$848,817$411,957$320,446$722,467
45$888,835$385,582$284,620$736,816
46$931,467$356,447$246,126$751,826
47$976,936$324,371$204,830$767,580
48$1,025,481$289,164$160,590$784,174
49$1,077,369$250,621$113,258$801,714
50$1,132,889$208,529$62,680$820,322
51$1,192,358$162,663$8,695$840,132
52$1,256,128$112,782$0$861,298
53$1,324,579$58,634$0$894,429
54$1,398,133$0$0$931,936
55$1,477,250$0$0$972,225
56$1,562,437$0$0$1,028,834
57$1,654,250$0$0$1,089,877
58$1,753,301$0$0$1,155,763
59$1,860,259$0$0$1,226,943
60$1,975,863$0$0$1,303,912
61$2,100,923$0$0$1,387,214
62$2,236,330$0$0$1,477,448
63$2,383,063$0$0$1,575,271
64$2,542,201$0$0$1,681,406
65$2,714,926$0$0$1,796,649
66$2,902,542$0$0$1,921,874
67$3,106,481$0$0$2,058,044
68$3,328,321$0$0$2,206,218
69$3,569,795$0$0$2,367,561
70$3,832,813$0$0$2,543,354
71$4,119,473$0$0$2,735,009
72$4,432,087$0$0$2,944,078
73$4,773,200$0$0$3,172,270
74$5,145,611$0$0$3,421,466
75$5,552,402$0$0$3,693,738
76$5,996,968$0$0$3,991,365
77$6,483,042$0$0$4,316,856
78$7,014,740$0$0$4,672,977
79$7,596,589$0$0$5,062,770
80$8,233,577$0$0$5,489,586
81$8,931,195$0$0$5,957,115
82$9,695,490$0$0$6,469,421
83$10,533,123$0$0$7,030,980
84$11,451,428$0$0$7,646,721
85$12,458,484$0$0$8,322,073
86$13,563,188$0$0$9,063,015
87$14,775,342$0$0$9,876,134
88$16,105,739$0$0$10,768,685
89$17,566,271$0$0$11,748,660
90$19,170,036$0$0$12,824,861
91$20,931,464$0$0$14,006,987
92$22,866,449$0$0$15,305,721
93$24,992,502$0$0$16,732,830
94$27,328,913$0$0$18,301,282
95$29,896,934$0$0$20,025,360
96$32,719,977$0$0$21,920,800
97$35,823,839$0$0$24,004,939
98$39,236,936$0$0$26,296,880
99$42,990,580$0$0$28,817,667
100$47,119,267$0$0$31,590,487