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%19%
1 years$43,519$43,132$42,753$42,384$42,024$40,500
2 years$21,544$21,143$20,754$20,377$20,011$18,493
3 years$14,220$13,817$13,429$13,056$12,696$11,231
4 years$10,559$10,157$9,773$9,406$9,055$7,654
5 years$8,363$7,963$7,584$7,225$6,883$5,551
6 years$6,899$6,503$6,129$5,778$5,447$4,183
7 years$5,854$5,461$5,093$4,750$4,430$3,234
8 years$5,070$4,681$4,320$3,985$3,675$2,547
9 years$4,461$4,076$3,720$3,394$3,095$2,033
10 years$3,974$3,592$3,244$2,926$2,637$1,639
11 years$3,576$3,198$2,856$2,546$2,268$1,332
12 years$3,245$2,870$2,534$2,233$1,965$1,089
13 years$2,964$2,594$2,264$1,972$1,714$895
14 years$2,724$2,358$2,034$1,750$1,502$739
15 years$2,517$2,154$1,837$1,561$1,323$611
16 years$2,335$1,976$1,665$1,398$1,169$507
17 years$2,175$1,820$1,515$1,256$1,036$422
18 years$2,032$1,682$1,383$1,132$922$351
19 years$1,905$1,559$1,266$1,023$821$293
20 years$1,791$1,448$1,162$926$734$245
21 years$1,688$1,349$1,069$841$657$205
22 years$1,594$1,259$985$764$589$171
23 years$1,509$1,178$910$696$528$143
24 years$1,431$1,104$841$635$475$120
25 years$1,359$1,036$779$580$427$101
26 years$1,292$973$723$530$385$84
27 years$1,231$916$671$485$347$71
28 years$1,175$863$624$445$313$59
29 years$1,122$814$581$408$283$50
30 years$1,073$769$541$374$255$42
31 years$1,027$727$504$344$231$35
32 years$984$688$470$316$209$30
33 years$944$651$439$290$189$25
34 years$906$617$410$267$171$21
35 years$870$586$384$246$155$18
36 years$837$556$359$227$140$15
37 years$805$528$336$209$127$12
38 years$776$502$315$192$115$10
39 years$747$477$295$177$105$9
40 years$720$454$276$164$95$7
41 years$695$432$259$151$86$6
42 years$671$411$243$139$78$5
43 years$648$392$228$129$71$4
44 years$626$374$214$119$64$4
45 years$605$356$201$110$58$3
46 years$585$340$189$101$53$3
47 years$567$324$177$94$48$2
48 years$548$310$167$86$44$2
49 years$531$296$157$80$40$2
50 years$515$283$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 $527,000, adding $2,382 every year, while hoping to spend $28,396 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: 53/27/20 Blend
34$527,000$527,000$527,000$527,000
35$583,211$555,280$547,112$610,808
36$612,485$552,276$535,227$627,016
37$643,794$548,172$521,992$641,475
38$677,315$542,886$507,332$656,598
39$713,242$536,328$491,169$672,458
40$751,788$528,405$473,419$689,136
41$793,190$519,016$453,998$706,723
42$837,703$508,055$432,814$725,320
43$885,610$495,411$409,775$745,042
44$937,221$480,965$384,781$766,016
45$992,876$464,591$357,730$788,383
46$1,052,950$446,157$328,515$812,304
47$1,117,854$425,522$297,023$837,954
48$1,188,040$402,537$263,138$865,531
49$1,264,004$377,045$226,737$895,256
50$1,346,291$348,879$187,692$927,375
51$1,435,503$317,864$145,869$962,160
52$1,532,299$283,814$101,131$999,915
53$1,637,405$246,533$53,330$1,040,979
54$1,751,620$205,812$2,316$1,085,729
55$1,875,821$161,433$0$1,134,581
56$2,010,975$113,163$0$1,199,125
57$2,158,145$60,759$0$1,270,004
58$2,318,500$3,961$0$1,347,332
59$2,493,330$0$0$1,431,785
60$2,684,049$0$0$1,541,192
61$2,892,219$0$0$1,661,942
62$3,119,555$0$0$1,793,861
63$3,367,948$0$0$1,938,051
64$3,639,479$0$0$2,095,726
65$3,936,438$0$0$2,268,225
66$4,261,346$0$0$2,457,018
67$4,616,983$0$0$2,663,727
68$5,006,405$0$0$2,890,138
69$5,432,981$0$0$3,138,216
70$5,900,419$0$0$3,410,126
71$6,412,804$0$0$3,708,253
72$6,974,634$0$0$4,035,223
73$7,590,864$0$0$4,393,930
74$8,266,951$0$0$4,787,558
75$9,008,907$0$0$5,219,618
76$9,823,352$0$0$5,693,976
77$10,717,579$0$0$6,214,890
78$11,699,624$0$0$6,787,051
79$12,778,336$0$0$7,415,628
80$13,963,465$0$0$8,106,312
81$15,265,752$0$0$8,865,376
82$16,697,030$0$0$9,699,730
83$18,270,335$0$0$10,616,986
84$20,000,028$0$0$11,625,530
85$21,901,933$0$0$12,734,602
86$23,993,482$0$0$13,954,383
87$26,293,881$0$0$15,296,088
88$28,824,293$0$0$16,772,075
89$31,608,033$0$0$18,395,960
90$34,670,790$0$0$20,182,746
91$38,040,868$0$0$22,148,961
92$41,749,454$0$0$24,312,818
93$45,830,911$0$0$26,694,386
94$50,323,101$0$0$29,315,776
95$55,267,745$0$0$32,201,352
96$60,710,810$0$0$35,377,961
97$66,702,949$0$0$38,875,185
98$73,299,974$0$0$42,725,619
99$80,563,386$0$0$46,965,179
100$88,560,951$0$0$51,633,444