Can I retire at age 35 with 523,000?

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 $523,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$43,189$42,804$42,429$42,062$41,705$41,031
2 years$21,381$20,982$20,597$20,222$19,859$19,182
3 years$14,112$13,712$13,327$12,957$12,600$11,940
4 years$10,479$10,080$9,699$9,335$8,986$8,350
5 years$8,299$7,903$7,527$7,170$6,831$6,220
6 years$6,847$6,453$6,083$5,734$5,405$4,819
7 years$5,809$5,419$5,055$4,714$4,396$3,836
8 years$5,032$4,645$4,287$3,954$3,647$3,112
9 years$4,428$4,045$3,692$3,368$3,071$2,562
10 years$3,944$3,565$3,219$2,904$2,617$2,132
11 years$3,549$3,174$2,834$2,527$2,251$1,790
12 years$3,220$2,849$2,515$2,216$1,950$1,514
13 years$2,942$2,574$2,247$1,957$1,701$1,287
14 years$2,704$2,340$2,019$1,737$1,491$1,100
15 years$2,497$2,138$1,823$1,549$1,313$944
16 years$2,317$1,961$1,653$1,387$1,160$812
17 years$2,158$1,806$1,504$1,246$1,029$701
18 years$2,017$1,669$1,373$1,123$915$606
19 years$1,891$1,547$1,257$1,015$815$525
20 years$1,778$1,437$1,153$919$728$456
21 years$1,675$1,339$1,061$834$652$397
22 years$1,582$1,250$978$758$584$345
23 years$1,497$1,169$903$691$524$301
24 years$1,420$1,095$835$630$471$262
25 years$1,348$1,028$773$575$424$229
26 years$1,283$966$717$526$382$200
27 years$1,222$909$666$482$344$175
28 years$1,166$857$619$441$311$153
29 years$1,113$808$576$405$281$134
30 years$1,065$763$537$371$254$117
31 years$1,019$721$500$341$229$103
32 years$977$683$467$313$207$90
33 years$937$646$436$288$188$79
34 years$899$613$407$265$170$69
35 years$864$581$381$244$154$61
36 years$831$552$356$225$139$53
37 years$799$524$333$207$126$47
38 years$770$498$312$191$115$41
39 years$742$473$292$176$104$36
40 years$715$450$274$162$94$31
41 years$690$429$257$150$85$28
42 years$666$408$241$138$78$24
43 years$643$389$226$128$70$21
44 years$621$371$212$118$64$19
45 years$601$354$199$109$58$16
46 years$581$337$187$101$53$14
47 years$562$322$176$93$48$13
48 years$544$307$165$86$43$11
49 years$527$294$155$79$39$10
50 years$511$280$146$73$36$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $523,000, adding $4,011 every year, while hoping to spend $36,643 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: 47/35/18 Blend
34$523,000$523,000$523,000$523,000
35$580,483$552,764$544,658$604,631
36$600,705$540,862$523,916$609,943
37$621,761$527,148$501,251$611,685
38$643,697$511,496$476,560$612,797
39$666,565$493,769$449,736$613,236
40$690,417$473,827$420,664$612,956
41$715,312$451,517$389,229$611,909
42$741,312$426,679$355,306$610,048
43$768,485$399,145$318,768$607,321
44$796,904$368,736$279,480$603,675
45$826,647$335,263$237,301$599,056
46$857,800$298,527$192,086$593,408
47$890,457$258,316$143,682$586,673
48$924,717$214,406$91,929$578,792
49$960,689$166,564$36,660$569,703
50$998,493$114,539$0$559,345
51$1,038,257$58,069$0$551,941
52$1,080,121$0$0$550,933
53$1,124,239$0$0$550,446
54$1,170,775$0$0$573,546
55$1,219,912$0$0$597,961
56$1,271,847$0$0$623,793
57$1,326,796$0$0$651,152
58$1,384,994$0$0$680,160
59$1,446,698$0$0$710,948
60$1,512,190$0$0$743,660
61$1,581,777$0$0$778,456
62$1,655,795$0$0$815,507
63$1,734,612$0$0$855,004
64$1,818,631$0$0$897,153
65$1,908,294$0$0$942,182
66$2,004,083$0$0$990,340
67$2,106,529$0$0$1,041,900
68$2,216,212$0$0$1,097,160
69$2,333,769$0$0$1,156,451
70$2,459,900$0$0$1,220,132
71$2,595,371$0$0$1,288,598
72$2,741,024$0$0$1,362,284
73$2,897,782$0$0$1,441,667
74$3,066,660$0$0$1,527,271
75$3,248,773$0$0$1,619,671
76$3,445,346$0$0$1,719,499
77$3,657,722$0$0$1,827,450
78$3,887,380$0$0$1,944,288
79$4,135,946$0$0$2,070,852
80$4,405,205$0$0$2,208,066
81$4,697,121$0$0$2,356,944
82$5,013,855$0$0$2,518,602
83$5,357,780$0$0$2,694,269
84$5,731,510$0$0$2,885,296
85$6,137,918$0$0$3,093,167
86$6,580,166$0$0$3,319,519
87$7,061,733$0$0$3,566,151
88$7,586,448$0$0$3,835,042
89$8,158,523$0$0$4,128,373
90$8,782,594$0$0$4,448,541
91$9,463,765$0$0$4,798,187
92$10,207,655$0$0$5,180,217
93$11,020,446$0$0$5,597,832
94$11,908,948$0$0$6,054,555
95$12,880,656$0$0$6,554,264
96$13,943,824$0$0$7,101,232
97$15,107,539$0$0$7,700,160
98$16,381,809$0$0$8,356,229
99$17,777,653$0$0$9,075,143
100$19,307,208$0$0$9,863,183