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 $3,489 every year, while hoping to spend $40,433 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: 70/9/21 Blend
34$525,000$525,000$525,000$525,000
35$582,149$554,324$546,186$619,647
36$598,508$538,465$521,463$629,265
37$615,180$520,475$494,557$634,700
38$632,155$500,205$465,351$639,658
39$649,419$477,499$433,725$644,088
40$666,958$452,194$399,552$647,934
41$684,751$424,115$362,701$651,138
42$702,776$393,078$323,032$653,634
43$721,008$358,887$280,402$655,353
44$739,416$321,337$234,661$656,220
45$757,964$280,211$185,650$656,152
46$776,613$235,278$133,206$655,062
47$795,317$186,296$77,157$652,854
48$814,022$133,007$17,324$649,424
49$832,668$75,141$0$644,661
50$851,189$12,411$0$648,867
51$869,507$0$0$656,307
52$887,535$0$0$668,491
53$905,176$0$0$681,591
54$922,321$0$0$694,292
55$938,847$0$0$706,498
56$954,615$0$0$718,103
57$969,471$0$0$728,987
58$983,244$0$0$739,017
59$995,740$0$0$748,044
60$1,006,746$0$0$755,902
61$1,016,022$0$0$762,405
62$1,023,301$0$0$767,347
63$1,028,287$0$0$770,500
64$1,030,651$0$0$771,608
65$1,030,027$0$0$770,389
66$1,026,009$0$0$766,527
67$1,018,144$0$0$759,675
68$1,005,933$0$0$749,445
69$988,820$0$0$735,408
70$966,191$0$0$717,090
71$937,363$0$0$693,963
72$901,583$0$0$665,445
73$858,014$0$0$630,890
74$805,732$0$0$589,584
75$743,714$0$0$540,736
76$670,827$0$0$483,473
77$585,820$0$0$416,828
78$487,310$0$0$339,732
79$373,766$0$0$251,005
80$243,499$0$0$149,341
81$94,640$0$0$33,298
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