Can I retire at age 35 with 530,000?

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 $530,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$43,767$43,377$42,997$42,625$42,263$41,580
2 years$21,667$21,263$20,872$20,493$20,125$19,439
3 years$14,301$13,896$13,506$13,130$12,768$12,100
4 years$10,619$10,215$9,829$9,459$9,106$8,462
5 years$8,410$8,009$7,627$7,266$6,923$6,303
6 years$6,938$6,540$6,164$5,811$5,478$4,884
7 years$5,887$5,492$5,122$4,777$4,455$3,887
8 years$5,099$4,708$4,344$4,007$3,696$3,154
9 years$4,487$4,099$3,742$3,413$3,112$2,596
10 years$3,997$3,613$3,262$2,942$2,652$2,161
11 years$3,597$3,216$2,872$2,561$2,281$1,814
12 years$3,263$2,887$2,549$2,246$1,976$1,534
13 years$2,981$2,609$2,277$1,983$1,723$1,305
14 years$2,740$2,371$2,046$1,760$1,511$1,115
15 years$2,531$2,166$1,847$1,570$1,330$956
16 years$2,348$1,988$1,675$1,406$1,176$823
17 years$2,187$1,830$1,524$1,263$1,042$710
18 years$2,044$1,691$1,391$1,138$927$614
19 years$1,916$1,568$1,274$1,028$826$532
20 years$1,801$1,457$1,169$931$738$462
21 years$1,697$1,357$1,075$845$660$402
22 years$1,603$1,267$991$769$592$350
23 years$1,517$1,185$915$700$531$305
24 years$1,439$1,110$846$638$478$266
25 years$1,366$1,042$784$583$430$232
26 years$1,300$979$727$533$387$203
27 years$1,238$921$675$488$349$177
28 years$1,181$868$627$447$315$155
29 years$1,128$819$584$410$284$136
30 years$1,079$773$544$376$257$119
31 years$1,033$731$507$346$232$104
32 years$990$692$473$318$210$91
33 years$949$655$442$292$190$80
34 years$911$621$413$269$172$70
35 years$875$589$386$247$156$61
36 years$842$559$361$228$141$54
37 years$810$531$338$210$128$47
38 years$780$505$316$193$116$41
39 years$752$480$296$178$105$36
40 years$725$456$278$165$95$32
41 years$699$435$261$152$87$28
42 years$675$414$244$140$79$25
43 years$652$394$229$129$71$22
44 years$630$376$215$119$65$19
45 years$609$358$202$110$59$17
46 years$589$342$190$102$53$15
47 years$570$326$178$94$48$13
48 years$552$311$168$87$44$11
49 years$534$297$158$80$40$10
50 years$517$284$148$74$36$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $530,000, adding $3,138 every year, while hoping to spend $26,270 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: 54/19/27 Blend
34$530,000$530,000$530,000$530,000
35$587,297$559,207$550,992$614,458
36$619,250$558,657$541,499$633,004
37$653,582$557,200$530,808$650,226
38$690,508$554,763$518,850$668,443
39$730,263$551,269$505,555$687,764
40$773,107$546,639$490,848$708,303
41$819,324$540,785$474,652$730,193
42$869,228$533,615$456,885$753,579
43$923,160$525,034$437,463$778,621
44$981,501$514,939$416,295$805,500
45$1,044,663$503,220$393,291$834,414
46$1,113,104$489,763$368,351$865,586
47$1,187,326$474,446$341,376$899,262
48$1,267,879$457,141$312,258$935,714
49$1,355,372$437,710$280,888$975,247
50$1,450,471$416,009$247,149$1,018,195
51$1,553,911$391,885$210,921$1,064,933
52$1,666,500$365,178$172,077$1,115,873
53$1,789,127$335,715$130,485$1,171,474
54$1,922,771$303,318$86,009$1,232,244
55$2,068,507$267,794$38,503$1,298,745
56$2,227,521$228,942$0$1,371,601
57$2,401,117$186,549$0$1,455,015
58$2,590,731$140,391$0$1,558,303
59$2,797,944$90,228$0$1,671,256
60$3,024,496$35,811$0$1,794,857
61$3,272,303$0$0$1,930,194
62$3,543,475$0$0$2,083,302
63$3,840,334$0$0$2,259,158
64$4,165,438$0$0$2,451,797
65$4,521,605$0$0$2,662,896
66$4,911,937$0$0$2,894,298
67$5,339,850$0$0$3,148,036
68$5,809,107$0$0$3,426,349
69$6,323,853$0$0$3,731,703
70$6,888,653$0$0$4,066,812
71$7,508,535$0$0$4,434,668
72$8,189,039$0$0$4,838,566
73$8,936,265$0$0$5,282,137
74$9,756,934$0$0$5,769,377
75$10,658,450$0$0$6,304,693
76$11,648,969$0$0$6,892,936
77$12,737,477$0$0$7,539,453
78$13,933,873$0$0$8,250,133
79$15,249,062$0$0$9,031,464
80$16,695,060$0$0$9,890,595
81$18,285,103$0$0$10,835,402
82$20,033,775$0$0$11,874,563
83$21,957,145$0$0$13,017,637
84$24,072,917$0$0$14,275,159
85$26,400,596$0$0$15,658,734
86$28,961,673$0$0$17,181,151
87$31,779,829$0$0$18,856,498
88$34,881,156$0$0$20,700,302
89$38,294,400$0$0$22,729,667
90$42,051,240$0$0$24,963,442
91$46,186,578$0$0$27,422,396
92$50,738,873$0$0$30,129,413
93$55,750,502$0$0$33,109,708
94$61,268,159$0$0$36,391,067
95$67,343,297$0$0$40,004,106
96$74,032,611$0$0$43,982,562
97$81,398,575$0$0$48,363,607
98$89,510,029$0$0$53,188,207
99$98,442,828$0$0$58,501,498
100$108,280,559$0$0$64,353,220