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%14%
1 years$42,941$42,559$42,185$41,821$41,466$40,779
2 years$21,258$20,862$20,478$20,106$19,745$19,055
3 years$14,031$13,634$13,251$12,882$12,527$11,856
4 years$10,419$10,022$9,643$9,281$8,935$8,286
5 years$8,251$7,857$7,484$7,129$6,792$6,169
6 years$6,807$6,416$6,048$5,701$5,374$4,778
7 years$5,776$5,388$5,026$4,687$4,371$3,800
8 years$5,003$4,619$4,262$3,932$3,626$3,082
9 years$4,402$4,021$3,671$3,349$3,054$2,535
10 years$3,922$3,545$3,201$2,887$2,602$2,109
11 years$3,529$3,156$2,818$2,512$2,238$1,770
12 years$3,202$2,832$2,501$2,204$1,939$1,495
13 years$2,925$2,560$2,234$1,946$1,691$1,271
14 years$2,688$2,327$2,007$1,727$1,482$1,085
15 years$2,483$2,125$1,812$1,540$1,305$930
16 years$2,304$1,950$1,643$1,379$1,153$800
17 years$2,146$1,796$1,495$1,239$1,023$690
18 years$2,005$1,660$1,365$1,117$909$596
19 years$1,880$1,538$1,250$1,009$811$516
20 years$1,767$1,429$1,147$914$724$448
21 years$1,665$1,331$1,055$829$648$389
22 years$1,573$1,243$972$754$581$339
23 years$1,489$1,162$898$687$521$295
24 years$1,412$1,089$830$626$469$257
25 years$1,341$1,022$769$572$422$224
26 years$1,275$960$713$523$380$196
27 years$1,215$904$662$479$342$171
28 years$1,159$852$616$439$309$149
29 years$1,107$804$573$402$279$131
30 years$1,058$759$534$369$252$114
31 years$1,013$717$497$339$228$100
32 years$971$679$464$312$206$88
33 years$931$643$433$287$187$77
34 years$894$609$405$264$169$67
35 years$859$578$379$243$153$59
36 years$826$548$354$224$139$52
37 years$795$521$331$206$126$45
38 years$765$495$310$190$114$40
39 years$737$471$291$175$103$35
40 years$711$448$273$161$94$30
41 years$686$426$256$149$85$27
42 years$662$406$240$137$77$23
43 years$639$387$225$127$70$20
44 years$618$369$211$117$64$18
45 years$597$352$198$108$58$16
46 years$578$335$186$100$52$14
47 years$559$320$175$92$48$12
48 years$541$306$164$85$43$11
49 years$524$292$155$79$39$9
50 years$508$279$145$73$36$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $520,000, adding $5,866 every year, while hoping to spend $24,520 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: 35/48/17 Blend
34$520,000$520,000$520,000$520,000
35$579,091$551,531$543,471$596,154
36$612,069$552,467$535,588$610,047
37$647,589$552,627$526,619$622,305
38$685,885$551,947$516,502$635,011
39$727,212$550,359$505,172$648,217
40$771,853$547,792$492,561$661,985
41$820,116$544,168$478,596$676,383
42$872,343$539,408$463,204$691,488
43$928,907$533,424$446,307$707,387
44$990,220$526,126$427,822$724,179
45$1,056,733$517,417$407,665$741,975
46$1,128,945$507,195$385,746$760,900
47$1,207,401$495,351$361,973$781,093
48$1,292,704$481,771$336,247$802,711
49$1,385,515$466,334$308,466$825,932
50$1,486,563$448,910$278,526$850,952
51$1,596,650$429,363$246,313$877,994
52$1,716,656$407,551$211,713$907,303
53$1,847,554$383,319$174,604$939,157
54$1,990,411$356,508$134,860$973,864
55$2,146,403$326,947$92,348$1,011,770
56$2,316,824$294,456$46,930$1,053,258
57$2,503,101$258,845$0$1,098,758
58$2,706,801$219,913$0$1,149,026
59$2,929,653$177,447$0$1,213,417
60$3,173,559$131,223$0$1,284,031
61$3,440,614$81,004$0$1,361,556
62$3,733,123$26,540$0$1,446,756
63$4,053,628$0$0$1,540,476
64$4,404,926$0$0$1,660,787
65$4,790,097$0$0$1,808,145
66$5,212,536$0$0$1,969,839
67$5,675,980$0$0$2,147,309
68$6,184,546$0$0$2,342,143
69$6,742,769$0$0$2,556,087
70$7,355,643$0$0$2,791,068
71$8,028,672$0$0$3,049,206
72$8,767,916$0$0$3,332,838
73$9,580,053$0$0$3,644,537
74$10,472,439$0$0$3,987,140
75$11,453,178$0$0$4,363,770
76$12,531,198$0$0$4,777,870
77$13,716,334$0$0$5,233,232
78$15,019,423$0$0$5,734,033
79$16,452,404$0$0$6,284,877
80$18,028,431$0$0$6,890,834
81$19,761,995$0$0$7,557,494
82$21,669,066$0$0$8,291,013
83$23,767,234$0$0$9,098,174
84$26,075,886$0$0$9,986,452
85$28,616,378$0$0$10,964,083
86$31,412,244$0$0$12,040,141
87$34,489,414$0$0$13,224,625
88$37,876,458$0$0$14,528,553
89$41,604,859$0$0$15,964,065
90$45,709,304$0$0$17,544,537
91$50,228,016$0$0$19,284,709
92$55,203,112$0$0$21,200,824
93$60,681,000$0$0$23,310,779
94$66,712,819$0$0$25,634,294
95$73,354,918$0$0$28,193,101
96$80,669,389$0$0$31,011,146
97$88,724,652$0$0$34,114,816
98$97,596,103$0$0$37,533,186
99$107,366,819$0$0$41,298,298
100$118,128,350$0$0$45,445,458