Can I retire at age 35 with 531,000?

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 $531,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$43,849$43,459$43,078$42,706$42,343$40,727
2 years$21,708$21,303$20,912$20,532$20,163$18,554
3 years$14,328$13,922$13,531$13,155$12,792$11,241
4 years$10,639$10,234$9,847$9,477$9,124$7,642
5 years$8,426$8,024$7,642$7,279$6,936$5,527
6 years$6,951$6,552$6,176$5,821$5,488$4,153
7 years$5,898$5,502$5,132$4,786$4,463$3,202
8 years$5,109$4,716$4,352$4,015$3,703$2,514
9 years$4,495$4,107$3,749$3,420$3,118$2,001
10 years$4,005$3,620$3,268$2,948$2,657$1,608
11 years$3,603$3,222$2,877$2,566$2,285$1,303
12 years$3,269$2,892$2,554$2,250$1,980$1,062
13 years$2,987$2,614$2,281$1,987$1,727$869
14 years$2,745$2,376$2,050$1,764$1,514$715
15 years$2,536$2,170$1,851$1,573$1,333$590
16 years$2,353$1,991$1,678$1,408$1,178$487
17 years$2,191$1,834$1,527$1,265$1,044$404
18 years$2,048$1,695$1,394$1,140$929$335
19 years$1,920$1,571$1,276$1,030$828$279
20 years$1,805$1,459$1,171$933$739$232
21 years$1,701$1,359$1,077$847$662$193
22 years$1,606$1,269$993$770$593$161
23 years$1,520$1,187$917$701$532$134
24 years$1,441$1,112$848$640$478$112
25 years$1,369$1,044$785$584$431$93
26 years$1,302$981$728$534$388$78
27 years$1,241$923$676$489$350$65
28 years$1,183$870$629$448$315$55
29 years$1,130$821$585$411$285$46
30 years$1,081$775$545$377$257$38
31 years$1,035$733$508$346$233$32
32 years$991$693$474$318$211$27
33 years$951$656$443$293$191$22
34 years$913$622$413$269$172$19
35 years$877$590$387$248$156$16
36 years$843$560$362$228$142$13
37 years$812$532$338$210$128$11
38 years$781$506$317$194$116$9
39 years$753$481$297$179$105$8
40 years$726$457$278$165$96$6
41 years$700$435$261$152$87$5
42 years$676$415$245$140$79$4
43 years$653$395$230$130$71$4
44 years$631$377$216$120$65$3
45 years$610$359$202$110$59$3
46 years$590$343$190$102$53$2
47 years$571$327$179$94$49$2
48 years$553$312$168$87$44$2
49 years$535$298$158$81$40$1
50 years$518$285$148$74$36$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $531,000, adding $5,918 every year, while hoping to spend $31,133 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: 31/39/30 Blend
34$531,000$531,000$531,000$531,000
35$591,266$563,123$554,893$604,041
36$618,450$557,591$540,357$608,942
37$647,364$550,744$524,290$611,100
38$678,150$542,486$506,608$612,822
39$710,966$532,712$487,225$614,092
40$745,984$521,315$466,046$614,895
41$783,392$508,178$442,977$615,219
42$823,398$493,178$417,917$615,054
43$866,228$476,187$390,760$614,390
44$912,129$457,067$361,397$613,224
45$961,376$435,672$329,713$611,552
46$1,014,266$411,850$295,588$609,378
47$1,071,128$385,437$258,897$606,708
48$1,132,322$356,263$219,509$603,555
49$1,198,245$324,145$177,288$599,937
50$1,269,329$288,892$132,091$595,880
51$1,346,054$250,301$83,769$591,418
52$1,428,943$208,157$32,167$586,595
53$1,518,573$162,234$0$581,464
54$1,615,577$112,294$0$583,424
55$1,720,652$58,082$0$596,686
56$1,834,564$0$0$611,097
57$1,958,154$0$0$627,114
58$2,092,349$0$0$671,641
59$2,238,168$0$0$720,096
60$2,396,731$0$0$772,862
61$2,569,271$0$0$830,359
62$2,757,144$0$0$893,049
63$2,961,844$0$0$961,440
64$3,185,012$0$0$1,036,091
65$3,428,456$0$0$1,117,619
66$3,694,167$0$0$1,206,703
67$3,984,334$0$0$1,304,088
68$4,301,370$0$0$1,410,597
69$4,647,928$0$0$1,527,135
70$5,026,931$0$0$1,654,698
71$5,441,598$0$0$1,794,384
72$5,895,471$0$0$1,947,402
73$6,392,452$0$0$2,115,083
74$6,936,838$0$0$2,298,892
75$7,533,361$0$0$2,500,444
76$8,187,231$0$0$2,721,516
77$8,904,188$0$0$2,964,068
78$9,690,554$0$0$3,230,256
79$10,553,290$0$0$3,522,456
80$11,500,066$0$0$3,843,287
81$12,539,328$0$0$4,195,631
82$13,680,383$0$0$4,582,664
83$14,933,479$0$0$5,007,886
84$16,309,908$0$0$5,475,150
85$17,822,110$0$0$5,988,705
86$19,483,787$0$0$6,553,226
87$21,310,035$0$0$7,173,870
88$23,317,486$0$0$7,856,315
89$25,524,462$0$0$8,606,816
90$27,951,151$0$0$9,432,266
91$30,619,793$0$0$10,340,261
92$33,554,891$0$0$11,339,167
93$36,783,443$0$0$12,438,204
94$40,335,196$0$0$13,647,529
95$44,242,922$0$0$14,978,335
96$48,542,732$0$0$16,442,955
97$53,274,415$0$0$18,054,975
98$58,481,809$0$0$19,829,370
99$64,213,220$0$0$21,782,635
100$70,521,873$0$0$23,932,949