Can I retire at age 35 with 526,000?

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 $526,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$43,437$43,050$42,672$42,304$41,944$40,440
2 years$21,503$21,103$20,715$20,338$19,973$18,474
3 years$14,193$13,791$13,404$13,031$12,672$11,225
4 years$10,539$10,138$9,755$9,388$9,038$7,654
5 years$8,347$7,948$7,570$7,211$6,870$5,553
6 years$6,886$6,490$6,118$5,767$5,436$4,187
7 years$5,843$5,451$5,084$4,741$4,421$3,239
8 years$5,061$4,672$4,311$3,977$3,668$2,552
9 years$4,453$4,068$3,713$3,388$3,089$2,038
10 years$3,967$3,586$3,237$2,920$2,632$1,645
11 years$3,570$3,192$2,850$2,541$2,263$1,338
12 years$3,239$2,865$2,529$2,229$1,961$1,094
13 years$2,959$2,589$2,260$1,968$1,710$900
14 years$2,719$2,353$2,031$1,747$1,499$743
15 years$2,512$2,150$1,833$1,558$1,320$615
16 years$2,330$1,973$1,662$1,395$1,167$511
17 years$2,171$1,817$1,513$1,253$1,035$425
18 years$2,029$1,679$1,381$1,130$920$355
19 years$1,902$1,556$1,264$1,021$820$296
20 years$1,788$1,446$1,160$924$732$247
21 years$1,685$1,347$1,067$839$655$207
22 years$1,591$1,257$983$763$587$173
23 years$1,506$1,176$908$695$527$145
24 years$1,428$1,102$840$634$474$122
25 years$1,356$1,034$778$579$426$102
26 years$1,290$972$721$529$384$86
27 years$1,229$914$670$484$346$72
28 years$1,172$862$623$444$313$60
29 years$1,120$813$579$407$282$51
30 years$1,071$768$540$373$255$43
31 years$1,025$726$503$343$231$36
32 years$982$687$469$315$209$30
33 years$942$650$438$290$189$25
34 years$904$616$410$267$171$21
35 years$869$584$383$245$155$18
36 years$835$555$358$226$140$15
37 years$804$527$335$208$127$13
38 years$774$501$314$192$115$11
39 years$746$476$294$177$104$9
40 years$719$453$276$163$95$8
41 years$694$431$259$151$86$6
42 years$670$411$243$139$78$5
43 years$647$391$228$128$71$4
44 years$625$373$214$119$64$4
45 years$604$356$201$109$58$3
46 years$584$339$188$101$53$3
47 years$565$324$177$93$48$2
48 years$547$309$166$86$44$2
49 years$530$295$156$80$40$2
50 years$514$282$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 $526,000, adding $3,562 every year, while hoping to spend $29,644 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: 43/33/24 Blend
34$526,000$526,000$526,000$526,000
35$583,326$555,448$547,295$604,195
36$611,284$551,124$534,089$615,068
37$641,101$545,595$519,446$623,719
38$672,934$538,770$503,288$632,502
39$706,957$530,553$485,532$641,448
40$743,359$520,843$466,090$650,588
41$782,350$509,533$444,873$659,963
42$824,158$496,508$421,784$669,617
43$869,034$481,648$396,725$679,604
44$917,252$464,826$369,592$689,983
45$969,115$445,906$340,277$700,825
46$1,024,955$424,745$308,667$712,209
47$1,085,136$401,193$274,642$724,226
48$1,150,058$375,090$238,081$736,980
49$1,220,160$346,265$198,853$750,589
50$1,295,926$314,542$156,824$765,186
51$1,377,886$279,730$111,853$780,922
52$1,466,624$241,631$63,794$797,970
53$1,562,782$200,032$12,493$816,521
54$1,667,064$154,712$0$836,794
55$1,780,247$105,435$0$869,854
56$1,903,183$51,953$0$909,272
57$2,036,811$0$0$952,200
58$2,182,164$0$0$1,001,208
59$2,340,377$0$0$1,075,145
60$2,512,700$0$0$1,155,735
61$2,700,509$0$0$1,243,630
62$2,905,317$0$0$1,339,545
63$3,128,790$0$0$1,444,269
64$3,372,762$0$0$1,558,670
65$3,639,251$0$0$1,683,703
66$3,930,480$0$0$1,820,420
67$4,248,896$0$0$1,969,978
68$4,597,191$0$0$2,133,654
69$4,978,331$0$0$2,312,851
70$5,395,583$0$0$2,509,116
71$5,852,543$0$0$2,724,150
72$6,353,171$0$0$2,959,830
73$6,901,829$0$0$3,218,220
74$7,503,320$0$0$3,501,596
75$8,162,934$0$0$3,812,462
76$8,886,498$0$0$4,153,578
77$9,680,431$0$0$4,527,984
78$10,551,802$0$0$4,939,027
79$11,508,397$0$0$5,390,396
80$12,558,795$0$0$5,886,154
81$13,712,445$0$0$6,430,776
82$14,979,755$0$0$7,029,193
83$16,372,193$0$0$7,686,837
84$17,902,392$0$0$8,409,691
85$19,584,268$0$0$9,204,349
86$21,433,155$0$0$10,078,073
87$23,465,943$0$0$11,038,866
88$25,701,244$0$0$12,095,543
89$28,159,562$0$0$13,257,819
90$30,863,487$0$0$14,536,396
91$33,837,910$0$0$15,943,066
92$37,110,253$0$0$17,490,820
93$40,710,733$0$0$19,193,975
94$44,672,642$0$0$21,068,303
95$49,032,662$0$0$23,131,184
96$53,831,212$0$0$25,401,766
97$59,112,826$0$0$27,901,151
98$64,926,575$0$0$30,652,588
99$71,326,531$0$0$33,681,695
100$78,372,272$0$0$37,016,701