Can I retire at age 35 with 528,000?

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 $528,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$43,602$43,213$42,834$42,465$42,103$40,674
2 years$21,585$21,183$20,793$20,416$20,049$18,624
3 years$14,247$13,843$13,455$13,081$12,720$11,343
4 years$10,579$10,176$9,792$9,424$9,072$7,754
5 years$8,378$7,978$7,599$7,238$6,896$5,641
6 years$6,912$6,515$6,141$5,789$5,457$4,265
7 years$5,865$5,471$5,103$4,759$4,438$3,309
8 years$5,080$4,690$4,328$3,992$3,682$2,615
9 years$4,470$4,083$3,728$3,401$3,101$2,095
10 years$3,982$3,599$3,250$2,931$2,642$1,696
11 years$3,583$3,204$2,861$2,551$2,272$1,383
12 years$3,251$2,876$2,539$2,238$1,969$1,136
13 years$2,970$2,599$2,269$1,976$1,717$937
14 years$2,730$2,362$2,038$1,754$1,505$776
15 years$2,521$2,158$1,840$1,564$1,325$645
16 years$2,339$1,980$1,668$1,400$1,171$538
17 years$2,179$1,824$1,518$1,258$1,038$449
18 years$2,036$1,685$1,386$1,134$923$376
19 years$1,909$1,562$1,269$1,025$823$315
20 years$1,795$1,451$1,164$928$735$264
21 years$1,691$1,352$1,071$842$658$222
22 years$1,597$1,262$987$766$590$187
23 years$1,512$1,180$911$697$529$157
24 years$1,433$1,106$843$636$476$132
25 years$1,361$1,038$781$581$428$111
26 years$1,295$975$724$531$386$94
27 years$1,234$918$672$486$348$79
28 years$1,177$865$625$445$314$67
29 years$1,124$816$582$408$283$56
30 years$1,075$770$542$375$256$47
31 years$1,029$728$505$344$231$40
32 years$986$689$471$316$209$34
33 years$946$653$440$291$189$29
34 years$908$619$411$268$172$24
35 years$872$587$384$246$155$20
36 years$839$557$360$227$141$17
37 years$807$529$337$209$128$14
38 years$777$503$315$193$116$12
39 years$749$478$295$178$105$10
40 years$722$455$277$164$95$9
41 years$696$433$260$151$86$7
42 years$672$412$243$140$78$6
43 years$649$393$228$129$71$5
44 years$627$374$214$119$65$4
45 years$606$357$201$110$59$4
46 years$587$341$189$101$53$3
47 years$568$325$178$94$48$3
48 years$549$310$167$87$44$2
49 years$532$296$157$80$40$2
50 years$516$283$148$74$36$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $528,000, adding $2,514 every year, while hoping to spend $26,008 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: 59/12/29 Blend
34$528,000$528,000$528,000$528,000
35$584,449$556,465$548,281$614,177
36$616,391$556,060$538,976$634,398
37$650,719$554,763$528,488$653,476
38$687,649$552,503$516,749$673,753
39$727,418$549,205$503,690$695,351
40$770,288$544,789$489,236$718,409
41$816,543$539,169$473,311$743,078
42$866,498$532,257$455,835$769,527
43$920,499$523,955$436,724$797,944
44$978,925$514,164$415,889$828,536
45$1,042,194$502,776$393,240$861,535
46$1,110,763$489,678$368,679$897,194
47$1,185,138$474,749$342,106$935,798
48$1,265,873$457,862$313,418$977,659
49$1,353,578$438,884$282,503$1,023,125
50$1,448,924$417,671$249,249$1,072,579
51$1,552,651$394,073$213,535$1,126,447
52$1,665,569$367,930$175,236$1,185,200
53$1,788,573$339,075$134,223$1,249,359
54$1,922,647$307,329$90,359$1,319,500
55$2,068,873$272,504$43,502$1,396,261
56$2,228,443$234,402$0$1,480,348
57$2,402,668$192,811$0$1,574,552
58$2,592,992$147,511$0$1,692,220
59$2,801,005$98,266$0$1,820,881
60$3,028,456$44,830$0$1,961,640
61$3,277,272$0$0$2,115,717
62$3,549,575$0$0$2,286,181
63$3,847,700$0$0$2,479,333
64$4,174,220$0$0$2,690,925
65$4,531,968$0$0$2,922,799
66$4,924,063$0$0$3,176,982
67$5,353,942$0$0$3,455,708
68$5,825,389$0$0$3,761,435
69$6,342,571$0$0$4,096,875
70$6,910,081$0$0$4,465,009
71$7,532,974$0$0$4,869,127
72$8,216,822$0$0$5,312,848
73$8,967,760$0$0$5,800,162
74$9,792,547$0$0$6,335,461
75$10,698,630$0$0$6,923,587
76$11,694,212$0$0$7,569,873
77$12,788,329$0$0$8,280,191
78$13,990,938$0$0$9,061,016
79$15,313,005$0$0$9,919,476
80$16,766,616$0$0$10,863,427
81$18,365,083$0$0$11,901,525
82$20,123,074$0$0$13,043,305
83$22,056,751$0$0$14,299,272
84$24,183,917$0$0$15,681,004
85$26,524,192$0$0$17,201,252
86$29,099,191$0$0$18,874,071
87$31,932,730$0$0$20,714,944
88$35,051,050$0$0$22,740,930
89$38,483,066$0$0$24,970,829
90$42,260,638$0$0$27,425,353
91$46,418,869$0$0$30,127,324
92$50,996,441$0$0$33,101,891
93$56,035,975$0$0$36,376,763
94$61,584,435$0$0$39,982,475
95$67,693,571$0$0$43,952,670
96$74,420,405$0$0$48,324,423
97$81,827,773$0$0$53,138,585
98$89,984,911$0$0$58,440,171
99$98,968,115$0$0$64,278,784
100$108,861,455$0$0$70,709,084