Can I retire at age 35 with 532,000?

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 $532,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$43,932$43,541$43,159$42,786$42,422$41,617
2 years$21,749$21,343$20,951$20,570$20,201$19,393
3 years$14,355$13,948$13,557$13,180$12,816$12,030
4 years$10,659$10,253$9,866$9,495$9,141$8,383
5 years$8,442$8,039$7,656$7,293$6,949$6,222
6 years$6,964$6,564$6,187$5,832$5,498$4,802
7 years$5,909$5,513$5,142$4,795$4,472$3,807
8 years$5,119$4,725$4,361$4,023$3,710$3,077
9 years$4,504$4,114$3,756$3,426$3,124$2,522
10 years$4,012$3,627$3,274$2,954$2,662$2,090
11 years$3,610$3,229$2,883$2,570$2,289$1,747
12 years$3,276$2,898$2,558$2,255$1,984$1,471
13 years$2,993$2,619$2,286$1,990$1,730$1,245
14 years$2,750$2,380$2,054$1,767$1,516$1,059
15 years$2,540$2,174$1,854$1,576$1,335$904
16 years$2,357$1,995$1,681$1,411$1,180$774
17 years$2,195$1,837$1,530$1,268$1,046$665
18 years$2,052$1,698$1,396$1,142$930$572
19 years$1,923$1,574$1,278$1,032$829$493
20 years$1,808$1,462$1,173$935$741$426
21 years$1,704$1,362$1,079$849$663$368
22 years$1,609$1,271$995$772$594$319
23 years$1,523$1,189$918$703$533$277
24 years$1,444$1,114$849$641$479$240
25 years$1,372$1,045$787$585$431$208
26 years$1,305$983$730$535$389$181
27 years$1,243$925$677$490$350$157
28 years$1,186$871$630$449$316$137
29 years$1,132$822$586$412$285$119
30 years$1,083$776$546$378$258$104
31 years$1,037$734$509$347$233$90
32 years$993$694$475$319$211$79
33 years$953$658$443$293$191$68
34 years$915$623$414$270$173$60
35 years$879$591$387$248$157$52
36 years$845$561$362$229$142$45
37 years$813$533$339$211$129$40
38 years$783$506$318$194$117$34
39 years$754$482$298$179$106$30
40 years$727$458$279$165$96$26
41 years$702$436$261$152$87$23
42 years$677$415$245$141$79$20
43 years$654$396$230$130$72$17
44 years$632$377$216$120$65$15
45 years$611$360$203$111$59$13
46 years$591$343$191$102$54$12
47 years$572$328$179$94$49$10
48 years$554$313$168$87$44$9
49 years$536$299$158$81$40$8
50 years$519$285$149$75$36$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $532,000, adding $6,634 every year, while hoping to spend $36,244 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: 32/49/19 Blend
34$532,000$532,000$532,000$532,000
35$593,107$564,911$556,665$608,401
36$615,041$554,028$536,750$609,493
37$637,997$541,398$514,953$606,892
38$662,041$526,895$491,173$603,326
39$687,246$510,389$465,304$598,732
40$713,688$491,742$437,234$593,044
41$741,452$470,805$406,850$586,193
42$770,630$447,424$374,029$578,109
43$801,321$421,434$338,645$568,716
44$833,632$392,661$300,567$557,939
45$867,683$360,922$259,656$545,697
46$903,601$326,022$215,769$531,907
47$941,527$287,755$168,755$516,484
48$981,612$245,904$118,458$499,339
49$1,024,023$200,240$64,713$480,381
50$1,068,942$150,521$7,350$459,516
51$1,116,568$96,490$0$436,646
52$1,167,117$37,877$0$422,595
53$1,220,827$0$0$408,640
54$1,277,958$0$0$407,031
55$1,338,793$0$0$427,109
56$1,403,643$0$0$448,561
57$1,472,849$0$0$471,503
58$1,546,784$0$0$496,067
59$1,625,858$0$0$522,396
60$1,710,517$0$0$550,646
61$1,801,256$0$0$580,988
62$1,898,611$0$0$613,612
63$2,003,177$0$0$648,725
64$2,115,601$0$0$686,554
65$2,236,598$0$0$727,348
66$2,366,951$0$0$771,382
67$2,507,519$0$0$818,959
68$2,659,249$0$0$870,408
69$2,823,178$0$0$926,094
70$3,000,447$0$0$986,418
71$3,192,310$0$0$1,051,819
72$3,400,147$0$0$1,122,783
73$3,625,473$0$0$1,199,840
74$3,869,956$0$0$1,283,577
75$4,135,428$0$0$1,374,638
76$4,423,907$0$0$1,473,731
77$4,737,610$0$0$1,581,636
78$5,078,979$0$0$1,699,212
79$5,450,699$0$0$1,827,402
80$5,855,725$0$0$1,967,246
81$6,297,308$0$0$2,119,888
82$6,779,028$0$0$2,286,587
83$7,304,825$0$0$2,468,729
84$7,879,035$0$0$2,667,840
85$8,506,431$0$0$2,885,601
86$9,192,269$0$0$3,123,860
87$9,942,336$0$0$3,384,656
88$10,763,001$0$0$3,670,231
89$11,661,281$0$0$3,983,056
90$12,644,899$0$0$4,325,850
91$13,722,363$0$0$4,701,609
92$14,903,041$0$0$5,113,634
93$16,197,248$0$0$5,565,557
94$17,616,349$0$0$6,061,383
95$19,172,859$0$0$6,605,518
96$20,880,560$0$0$7,202,821
97$22,754,638$0$0$7,858,640
98$24,811,816$0$0$8,578,868
99$27,070,516$0$0$9,369,997
100$29,551,033$0$0$10,239,178