Can I retire at age 35 with 529,000?

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 $529,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$43,684$43,295$42,916$42,545$42,183$41,570
2 years$21,626$21,223$20,833$20,454$20,087$19,471
3 years$14,274$13,870$13,480$13,105$12,744$12,144
4 years$10,599$10,196$9,810$9,442$9,089$8,509
5 years$8,394$7,993$7,613$7,252$6,910$6,352
6 years$6,925$6,527$6,152$5,800$5,467$4,932
7 years$5,876$5,482$5,113$4,768$4,446$3,934
8 years$5,090$4,699$4,336$4,000$3,689$3,199
9 years$4,478$4,091$3,735$3,407$3,106$2,640
10 years$3,990$3,606$3,256$2,937$2,647$2,203
11 years$3,590$3,210$2,866$2,556$2,276$1,854
12 years$3,257$2,881$2,544$2,242$1,973$1,572
13 years$2,976$2,604$2,273$1,979$1,720$1,340
14 years$2,735$2,367$2,042$1,757$1,508$1,148
15 years$2,526$2,162$1,844$1,567$1,328$988
16 years$2,344$1,984$1,672$1,403$1,173$852
17 years$2,183$1,827$1,521$1,261$1,040$738
18 years$2,040$1,688$1,389$1,136$925$640
19 years$1,913$1,565$1,271$1,027$825$556
20 years$1,798$1,454$1,167$930$737$484
21 years$1,694$1,354$1,073$844$659$422
22 years$1,600$1,264$989$767$591$369
23 years$1,514$1,182$913$699$530$322
24 years$1,436$1,108$845$637$477$282
25 years$1,364$1,040$782$582$429$247
26 years$1,297$977$725$532$386$217
27 years$1,236$920$674$487$348$190
28 years$1,179$866$626$446$314$167
29 years$1,126$817$583$409$284$146
30 years$1,077$772$543$376$256$129
31 years$1,031$730$506$345$232$113
32 years$988$690$472$317$210$99
33 years$947$654$441$292$190$87
34 years$909$620$412$268$172$77
35 years$874$588$385$247$156$68
36 years$840$558$360$227$141$59
37 years$808$530$337$210$128$52
38 years$778$504$316$193$116$46
39 years$750$479$296$178$105$40
40 years$723$456$277$164$95$36
41 years$698$434$260$152$86$31
42 years$673$413$244$140$78$28
43 years$650$394$229$129$71$24
44 years$629$375$215$119$65$21
45 years$608$358$202$110$59$19
46 years$588$341$189$102$53$17
47 years$569$326$178$94$48$15
48 years$551$311$167$87$44$13
49 years$533$297$157$80$40$11
50 years$516$284$148$74$36$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $529,000, adding $6,211 every year, while hoping to spend $34,026 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: 55/19/26 Blend
34$529,000$529,000$529,000$529,000
35$589,365$561,328$553,128$617,248
36$613,276$552,629$535,455$628,417
37$638,487$542,364$516,048$636,521
38$665,092$530,420$494,816$644,648
39$693,198$516,677$471,659$652,811
40$722,919$501,009$446,474$661,027
41$754,381$483,282$419,155$669,318
42$787,720$463,355$389,589$677,707
43$823,086$441,078$357,658$686,224
44$860,642$416,293$323,242$694,904
45$900,568$388,831$286,210$703,787
46$943,058$358,516$246,431$712,921
47$988,327$325,161$203,763$722,361
48$1,036,610$288,567$158,063$732,170
49$1,088,163$248,526$109,177$742,422
50$1,143,268$204,815$56,946$753,201
51$1,202,232$157,203$1,205$764,602
52$1,265,396$105,441$0$776,735
53$1,333,129$49,270$0$805,894
54$1,405,838$0$0$837,458
55$1,483,971$0$0$873,728
56$1,568,017$0$0$923,859
57$1,658,516$0$0$977,875
58$1,756,059$0$0$1,036,134
59$1,861,294$0$0$1,099,028
60$1,974,936$0$0$1,166,990
61$2,097,769$0$0$1,240,493
62$2,230,655$0$0$1,320,060
63$2,374,541$0$0$1,406,263
64$2,530,469$0$0$1,499,733
65$2,699,583$0$0$1,601,163
66$2,883,144$0$0$1,711,315
67$3,082,537$0$0$1,831,028
68$3,299,285$0$0$1,961,224
69$3,535,064$0$0$2,102,918
70$3,791,720$0$0$2,257,227
71$4,071,281$0$0$2,425,379
72$4,375,980$0$0$2,608,728
73$4,708,276$0$0$2,808,760
74$5,070,874$0$0$3,027,115
75$5,466,750$0$0$3,265,596
76$5,899,183$0$0$3,526,188
77$6,371,782$0$0$3,811,077
78$6,888,518$0$0$4,122,669
79$7,453,766$0$0$4,463,613
80$8,072,341$0$0$4,836,827
81$8,749,548$0$0$5,245,524
82$9,491,225$0$0$5,693,241
83$10,303,804$0$0$6,183,874
84$11,194,367$0$0$6,721,714
85$12,170,714$0$0$7,311,488
86$13,241,435$0$0$7,958,399
87$14,415,994$0$0$8,668,181
88$15,704,811$0$0$9,447,148
89$17,119,367$0$0$10,302,257
90$18,672,306$0$0$11,241,169
91$20,377,559$0$0$12,272,325
92$22,250,468$0$0$13,405,022
93$24,307,938$0$0$14,649,504
94$26,568,589$0$0$16,017,053
95$29,052,936$0$0$17,520,101
96$31,783,578$0$0$19,172,344
97$34,785,414$0$0$20,988,868
98$38,085,874$0$0$22,986,298
99$41,715,181$0$0$25,182,948
100$45,706,629$0$0$27,598,995