Can I retire at age 35 with 525,000?

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 $525,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$43,354$42,968$42,591$42,223$41,864$40,347
2 years$21,462$21,063$20,675$20,300$19,935$18,423
3 years$14,166$13,765$13,378$13,006$12,648$11,188
4 years$10,519$10,118$9,736$9,370$9,021$7,625
5 years$8,331$7,933$7,556$7,197$6,857$5,530
6 years$6,873$6,478$6,106$5,756$5,426$4,167
7 years$5,832$5,440$5,074$4,732$4,413$3,222
8 years$5,051$4,663$4,303$3,970$3,661$2,537
9 years$4,444$4,060$3,706$3,381$3,083$2,025
10 years$3,959$3,579$3,231$2,915$2,627$1,633
11 years$3,563$3,186$2,845$2,537$2,259$1,327
12 years$3,232$2,860$2,525$2,225$1,958$1,085
13 years$2,953$2,584$2,256$1,964$1,707$892
14 years$2,714$2,349$2,027$1,744$1,496$736
15 years$2,507$2,146$1,830$1,555$1,318$609
16 years$2,326$1,969$1,659$1,392$1,165$505
17 years$2,166$1,813$1,510$1,251$1,033$420
18 years$2,025$1,675$1,378$1,127$918$350
19 years$1,898$1,553$1,262$1,019$818$292
20 years$1,784$1,443$1,158$923$731$244
21 years$1,681$1,344$1,065$837$654$204
22 years$1,588$1,255$982$761$586$171
23 years$1,503$1,173$906$693$526$143
24 years$1,425$1,099$838$632$473$120
25 years$1,354$1,032$776$578$426$100
26 years$1,288$970$720$528$383$84
27 years$1,227$913$669$483$346$71
28 years$1,170$860$622$443$312$59
29 years$1,118$811$578$406$282$50
30 years$1,069$766$539$373$255$42
31 years$1,023$724$502$342$230$35
32 years$980$685$469$315$208$29
33 years$940$649$438$289$188$25
34 years$903$615$409$266$171$21
35 years$867$583$382$245$154$17
36 years$834$554$358$226$140$15
37 years$802$526$335$208$127$12
38 years$773$500$313$192$115$10
39 years$744$475$294$177$104$9
40 years$718$452$275$163$95$7
41 years$692$430$258$150$86$6
42 years$668$410$242$139$78$5
43 years$646$391$227$128$71$4
44 years$624$372$213$118$64$4
45 years$603$355$200$109$58$3
46 years$583$339$188$101$53$3
47 years$564$323$177$93$48$2
48 years$546$309$166$86$44$2
49 years$529$295$156$80$40$2
50 years$513$281$147$74$36$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $525,000, adding $4,647 every year, while hoping to spend $29,918 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: 44/48/8 Blend
34$525,000$525,000$525,000$525,000
35$583,343$555,518$547,381$607,483
36$611,012$550,906$533,886$620,064
37$640,500$545,065$518,936$630,256
38$671,961$537,904$502,450$640,616
39$705,565$529,325$484,346$651,169
40$741,496$519,225$464,535$661,946
41$779,956$507,495$442,924$672,982
42$821,168$494,019$419,419$684,320
43$865,377$478,675$393,919$696,007
44$912,849$461,334$366,319$708,100
45$963,877$441,857$336,509$720,662
46$1,018,785$420,101$304,374$733,769
47$1,077,927$395,911$269,796$747,504
48$1,141,690$369,126$232,649$761,963
49$1,210,503$339,573$192,803$777,258
50$1,284,834$307,071$150,121$793,512
51$1,365,198$271,429$104,462$810,867
52$1,452,163$232,444$55,676$829,485
53$1,546,352$189,902$3,609$849,546
54$1,648,448$143,576$0$871,256
55$1,759,207$93,228$0$899,280
56$1,879,455$38,605$0$930,062
57$2,010,104$0$0$963,599
58$2,152,155$0$0$1,011,096
59$2,306,713$0$0$1,085,015
60$2,474,989$0$0$1,165,555
61$2,658,318$0$0$1,253,360
62$2,858,169$0$0$1,349,143
63$3,076,160$0$0$1,453,685
64$3,314,068$0$0$1,567,849
65$3,573,854$0$0$1,692,583
66$3,857,674$0$0$1,828,932
67$4,167,900$0$0$1,978,044
68$4,507,147$0$0$2,141,188
69$4,878,292$0$0$2,319,755
70$5,284,503$0$0$2,515,281
71$5,729,270$0$0$2,729,457
72$6,216,434$0$0$2,964,143
73$6,750,226$0$0$3,221,391
74$7,335,305$0$0$3,503,457
75$7,976,805$0$0$3,812,829
76$8,680,376$0$0$4,152,245
77$9,452,245$0$0$4,524,723
78$10,299,268$0$0$4,933,585
79$11,228,999$0$0$5,382,493
80$12,249,757$0$0$5,875,478
81$13,370,707$0$0$6,416,983
82$14,601,946$0$0$7,011,901
83$15,954,595$0$0$7,665,622
84$17,440,907$0$0$8,384,086
85$19,074,380$0$0$9,173,835
86$20,869,883$0$0$10,042,078
87$22,843,800$0$0$10,996,755
88$25,014,180$0$0$12,046,617
89$27,400,909$0$0$13,201,303
90$30,025,895$0$0$14,471,434
91$32,913,278$0$0$15,868,711
92$36,089,653$0$0$17,406,028
93$39,584,324$0$0$19,097,591
94$43,429,578$0$0$20,959,052
95$47,660,988$0$0$23,007,657
96$52,317,753$0$0$25,262,410
97$57,443,061$0$0$27,744,248
98$63,084,501$0$0$30,476,244
99$69,294,508$0$0$33,483,819
100$76,130,860$0$0$36,794,985