Can I retire at age 35 with 527,000?

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 $527,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$43,519$43,132$42,753$42,384$42,024$41,226
2 years$21,544$21,143$20,754$20,377$20,011$19,211
3 years$14,220$13,817$13,429$13,056$12,696$11,917
4 years$10,559$10,157$9,773$9,406$9,055$8,304
5 years$8,363$7,963$7,584$7,225$6,883$6,163
6 years$6,899$6,503$6,129$5,778$5,447$4,757
7 years$5,854$5,461$5,093$4,750$4,430$3,771
8 years$5,070$4,681$4,320$3,985$3,675$3,048
9 years$4,461$4,076$3,720$3,394$3,095$2,498
10 years$3,974$3,592$3,244$2,926$2,637$2,070
11 years$3,576$3,198$2,856$2,546$2,268$1,731
12 years$3,245$2,870$2,534$2,233$1,965$1,457
13 years$2,964$2,594$2,264$1,972$1,714$1,233
14 years$2,724$2,358$2,034$1,750$1,502$1,049
15 years$2,517$2,154$1,837$1,561$1,323$895
16 years$2,335$1,976$1,665$1,398$1,169$767
17 years$2,175$1,820$1,515$1,256$1,036$658
18 years$2,032$1,682$1,383$1,132$922$567
19 years$1,905$1,559$1,266$1,023$821$489
20 years$1,791$1,448$1,162$926$734$422
21 years$1,688$1,349$1,069$841$657$365
22 years$1,594$1,259$985$764$589$316
23 years$1,509$1,178$910$696$528$274
24 years$1,431$1,104$841$635$475$238
25 years$1,359$1,036$779$580$427$206
26 years$1,292$973$723$530$385$179
27 years$1,231$916$671$485$347$156
28 years$1,175$863$624$445$313$136
29 years$1,122$814$581$408$283$118
30 years$1,073$769$541$374$255$103
31 years$1,027$727$504$344$231$89
32 years$984$688$470$316$209$78
33 years$944$651$439$290$189$68
34 years$906$617$410$267$171$59
35 years$870$586$384$246$155$51
36 years$837$556$359$227$140$45
37 years$805$528$336$209$127$39
38 years$776$502$315$192$115$34
39 years$747$477$295$177$105$30
40 years$720$454$276$164$95$26
41 years$695$432$259$151$86$23
42 years$671$411$243$139$78$20
43 years$648$392$228$129$71$17
44 years$626$374$214$119$64$15
45 years$605$356$201$110$58$13
46 years$585$340$189$101$53$11
47 years$567$324$177$94$48$10
48 years$548$310$167$86$44$9
49 years$531$296$157$80$40$8
50 years$515$283$147$74$36$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $527,000, adding $5,105 every year, while hoping to spend $26,481 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: 62/16/22 Blend
34$527,000$527,000$527,000$527,000
35$586,020$558,089$549,920$618,684
36$617,618$557,260$540,167$640,540
37$651,552$555,502$529,200$661,006
38$688,032$552,743$516,949$682,754
39$727,288$548,905$503,344$705,912
40$769,575$543,904$488,309$730,622
41$815,170$537,654$471,766$757,043
42$864,379$530,060$453,632$785,348
43$917,538$521,026$433,821$815,732
44$975,017$510,447$412,244$848,409
45$1,037,221$498,211$388,807$883,616
46$1,104,597$484,203$363,411$921,617
47$1,177,635$468,298$335,955$962,702
48$1,256,875$450,365$306,330$1,007,194
49$1,342,909$430,266$274,425$1,055,449
50$1,436,390$407,854$240,123$1,107,862
51$1,538,037$382,973$203,301$1,164,871
52$1,648,638$355,460$163,833$1,226,957
53$1,769,063$325,141$121,585$1,294,656
54$1,900,267$291,833$76,418$1,368,558
55$2,043,303$255,342$28,187$1,449,316
56$2,199,329$215,462$0$1,537,654
57$2,369,619$171,978$0$1,639,835
58$2,555,576$124,662$0$1,758,694
59$2,758,745$73,270$0$1,888,620
60$2,980,826$17,550$0$2,030,733
61$3,223,692$0$0$2,186,266
62$3,489,402$0$0$2,364,109
63$3,780,227$0$0$2,562,183
64$4,098,665$0$0$2,779,103
65$4,447,469$0$0$3,016,750
66$4,829,670$0$0$3,277,194
67$5,248,604$0$0$3,562,714
68$5,707,949$0$0$3,875,821
69$6,211,752$0$0$4,219,281
70$6,764,473$0$0$4,596,140
71$7,371,025$0$0$5,009,753
72$8,036,816$0$0$5,463,816
73$8,767,808$0$0$5,962,401
74$9,570,565$0$0$6,509,991
75$10,452,319$0$0$7,111,527
76$11,421,037$0$0$7,772,451
77$12,485,495$0$0$8,498,760
78$13,655,363$0$0$9,297,057
79$14,941,293$0$0$10,174,621
80$16,355,019$0$0$11,139,469
81$17,909,471$0$0$12,200,432
82$19,618,894$0$0$13,367,243
83$21,498,982$0$0$14,650,624
84$23,567,026$0$0$16,062,386
85$25,842,077$0$0$17,615,547
86$28,345,128$0$0$19,324,446
87$31,099,304$0$0$21,204,884
88$34,130,091$0$0$23,274,272
89$37,465,565$0$0$25,551,791
90$41,136,665$0$0$28,058,579
91$45,177,481$0$0$30,817,925
92$49,625,573$0$0$33,855,491
93$54,522,330$0$0$37,199,555
94$59,913,357$0$0$40,881,274
95$65,848,906$0$0$44,934,979
96$72,384,349$0$0$49,398,503
97$79,580,702$0$0$54,313,532
98$87,505,196$0$0$59,725,999
99$96,231,918$0$0$65,686,521
100$105,842,503$0$0$72,250,873