Can I retire at age 35 with 522,000?

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 $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%16.2%
1 years$43,106$42,722$42,348$41,982$41,625$40,569
2 years$21,340$20,942$20,557$20,184$19,821$18,765
3 years$14,085$13,686$13,302$12,932$12,576$11,551
4 years$10,459$10,061$9,680$9,317$8,969$7,984
5 years$8,283$7,888$7,512$7,156$6,818$5,876
6 years$6,833$6,441$6,071$5,723$5,395$4,496
7 years$5,798$5,409$5,045$4,705$4,388$3,532
8 years$5,022$4,637$4,279$3,947$3,640$2,828
9 years$4,419$4,037$3,685$3,362$3,065$2,296
10 years$3,937$3,558$3,213$2,898$2,612$1,884
11 years$3,542$3,168$2,829$2,522$2,246$1,559
12 years$3,214$2,843$2,510$2,212$1,947$1,299
13 years$2,936$2,569$2,243$1,953$1,697$1,088
14 years$2,699$2,336$2,015$1,734$1,488$915
15 years$2,493$2,134$1,819$1,546$1,310$772
16 years$2,313$1,958$1,650$1,384$1,158$654
17 years$2,154$1,803$1,501$1,244$1,027$555
18 years$2,013$1,666$1,370$1,121$913$472
19 years$1,887$1,544$1,254$1,013$814$402
20 years$1,774$1,435$1,151$917$727$343
21 years$1,672$1,336$1,059$833$650$293
22 years$1,579$1,247$976$757$583$251
23 years$1,494$1,167$901$689$523$215
24 years$1,417$1,093$833$629$470$184
25 years$1,346$1,026$772$574$423$158
26 years$1,280$964$716$525$381$135
27 years$1,220$907$665$481$344$116
28 years$1,163$855$618$440$310$100
29 years$1,111$807$575$404$280$86
30 years$1,063$762$536$371$253$74
31 years$1,017$720$499$340$229$63
32 years$975$681$466$313$207$54
33 years$935$645$435$288$187$47
34 years$897$612$406$265$170$40
35 years$862$580$380$244$154$34
36 years$829$551$356$224$139$30
37 years$798$523$333$207$126$26
38 years$768$497$312$191$114$22
39 years$740$473$292$176$104$19
40 years$714$450$274$162$94$16
41 years$688$428$257$150$85$14
42 years$665$408$241$138$77$12
43 years$642$388$226$127$70$10
44 years$620$370$212$118$64$9
45 years$600$353$199$109$58$8
46 years$580$337$187$100$53$7
47 years$561$321$176$93$48$6
48 years$543$307$165$86$43$5
49 years$526$293$155$79$39$4
50 years$510$280$146$73$36$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $522,000, adding $5,568 every year, while hoping to spend $46,247 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: 53/42/5 Blend
34$522,000$522,000$522,000$522,000
35$580,987$553,321$545,230$610,850
36$591,042$531,228$514,289$609,583
37$600,571$506,501$480,761$602,641
38$609,474$478,965$444,512$593,958
39$617,636$448,429$405,398$583,376
40$624,930$414,697$363,274$570,727
41$631,212$377,557$317,983$555,827
42$636,325$336,787$269,365$538,476
43$640,093$292,152$217,251$518,461
44$642,320$243,404$161,466$495,549
45$642,787$190,281$101,825$469,486
46$641,252$132,506$38,138$440,001
47$637,447$69,787$0$406,796
48$631,075$1,814$0$371,144
49$621,803$0$0$333,378
50$609,265$0$0$324,252
51$593,057$0$0$313,790
52$572,726$0$0$300,889
53$547,777$0$0$285,258
54$517,656$0$0$266,574
55$481,754$0$0$244,478
56$439,396$0$0$218,576
57$389,835$0$0$188,431
58$332,246$0$0$153,559
59$265,717$0$0$113,426
60$189,238$0$0$67,442
61$101,696$0$0$14,955
62$1,858$0$0$0
63$0$0$0$0
64$0$0$0$0
65$0$0$0$0
66$0$0$0$0
67$0$0$0$0
68$0$0$0$0
69$0$0$0$0
70$0$0$0$0
71$0$0$0$0
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$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