Can I retire at age 35 with 522,000?

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 $522,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$43,106$42,722$42,348$41,982$41,625$40,309
2 years$21,340$20,942$20,557$20,184$19,821$18,507
3 years$14,085$13,686$13,302$12,932$12,576$11,305
4 years$10,459$10,061$9,680$9,317$8,969$7,751
5 years$8,283$7,888$7,512$7,156$6,818$5,657
6 years$6,833$6,441$6,071$5,723$5,395$4,291
7 years$5,798$5,409$5,045$4,705$4,388$3,340
8 years$5,022$4,637$4,279$3,947$3,640$2,649
9 years$4,419$4,037$3,685$3,362$3,065$2,130
10 years$3,937$3,558$3,213$2,898$2,612$1,731
11 years$3,542$3,168$2,829$2,522$2,246$1,417
12 years$3,214$2,843$2,510$2,212$1,947$1,168
13 years$2,936$2,569$2,243$1,953$1,697$968
14 years$2,699$2,336$2,015$1,734$1,488$805
15 years$2,493$2,134$1,819$1,546$1,310$672
16 years$2,313$1,958$1,650$1,384$1,158$563
17 years$2,154$1,803$1,501$1,244$1,027$472
18 years$2,013$1,666$1,370$1,121$913$397
19 years$1,887$1,544$1,254$1,013$814$334
20 years$1,774$1,435$1,151$917$727$282
21 years$1,672$1,336$1,059$833$650$238
22 years$1,579$1,247$976$757$583$201
23 years$1,494$1,167$901$689$523$170
24 years$1,417$1,093$833$629$470$144
25 years$1,346$1,026$772$574$423$121
26 years$1,280$964$716$525$381$103
27 years$1,220$907$665$481$344$87
28 years$1,163$855$618$440$310$74
29 years$1,111$807$575$404$280$63
30 years$1,063$762$536$371$253$53
31 years$1,017$720$499$340$229$45
32 years$975$681$466$313$207$38
33 years$935$645$435$288$187$32
34 years$897$612$406$265$170$27
35 years$862$580$380$244$154$23
36 years$829$551$356$224$139$20
37 years$798$523$333$207$126$17
38 years$768$497$312$191$114$14
39 years$740$473$292$176$104$12
40 years$714$450$274$162$94$10
41 years$688$428$257$150$85$9
42 years$665$408$241$138$77$7
43 years$642$388$226$127$70$6
44 years$620$370$212$118$64$5
45 years$600$353$199$109$58$5
46 years$580$337$187$100$53$4
47 years$561$321$176$93$48$3
48 years$543$307$165$86$43$3
49 years$526$293$155$79$39$2
50 years$510$280$146$73$36$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $522,000, adding $6,005 every year, while hoping to spend $40,915 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: 45/48/7 Blend
34$522,000$522,000$522,000$522,000
35$581,438$553,772$545,681$606,203
36$597,212$537,374$520,428$607,510
37$613,223$518,801$492,958$604,209
38$629,452$497,903$463,153$599,680
39$645,878$474,522$430,891$593,824
40$662,475$448,490$396,042$586,534
41$679,212$419,631$358,474$577,696
42$696,055$387,756$318,046$567,189
43$712,964$352,667$274,612$554,882
44$729,893$314,156$228,019$540,638
45$746,793$272,000$178,108$524,307
46$763,603$225,965$124,712$505,731
47$780,258$175,805$67,658$484,740
48$796,683$121,258$6,763$461,153
49$812,793$62,048$0$434,775
50$828,495$0$0$409,747
51$843,681$0$0$383,437
52$858,233$0$0$389,553
53$872,017$0$0$395,253
54$884,883$0$0$400,462
55$896,665$0$0$405,097
56$907,177$0$0$409,063
57$916,212$0$0$412,258
58$923,537$0$0$414,565
59$928,897$0$0$415,855
60$932,005$0$0$415,986
61$932,544$0$0$414,798
62$930,159$0$0$412,114
63$924,461$0$0$407,740
64$915,012$0$0$401,458
65$901,333$0$0$393,027
66$882,887$0$0$382,180
67$859,082$0$0$368,622
68$829,263$0$0$352,027
69$792,703$0$0$332,032
70$748,597$0$0$308,236
71$696,057$0$0$280,197
72$634,097$0$0$247,425
73$561,629$0$0$209,376
74$477,449$0$0$165,454
75$380,227$0$0$114,995
76$268,491$0$0$57,268
77$140,617$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0