Can I retire at age 35 with 533,000?

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 $533,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$44,015$43,623$43,240$42,867$42,502$40,962
2 years$21,789$21,384$20,990$20,609$20,239$18,704
3 years$14,382$13,974$13,582$13,204$12,841$11,359
4 years$10,679$10,273$9,884$9,513$9,158$7,741
5 years$8,458$8,054$7,671$7,307$6,962$5,614
6 years$6,977$6,577$6,199$5,843$5,509$4,230
7 years$5,920$5,523$5,151$4,804$4,480$3,271
8 years$5,128$4,734$4,369$4,030$3,717$2,576
9 years$4,512$4,122$3,763$3,433$3,130$2,056
10 years$4,020$3,633$3,281$2,959$2,667$1,658
11 years$3,617$3,235$2,888$2,575$2,294$1,347
12 years$3,282$2,903$2,563$2,259$1,988$1,102
13 years$2,998$2,624$2,290$1,994$1,733$905
14 years$2,755$2,385$2,058$1,770$1,519$747
15 years$2,545$2,179$1,858$1,579$1,338$618
16 years$2,361$1,999$1,684$1,414$1,182$513
17 years$2,199$1,841$1,533$1,270$1,048$427
18 years$2,056$1,701$1,399$1,145$932$355
19 years$1,927$1,576$1,281$1,034$831$296
20 years$1,811$1,465$1,175$937$742$248
21 years$1,707$1,365$1,081$850$664$207
22 years$1,612$1,274$996$773$595$173
23 years$1,526$1,191$920$704$534$145
24 years$1,447$1,116$851$642$480$122
25 years$1,374$1,047$788$586$432$102
26 years$1,307$984$731$536$389$85
27 years$1,245$926$679$491$351$72
28 years$1,188$873$631$450$317$60
29 years$1,135$824$587$412$286$50
30 years$1,085$778$547$378$258$42
31 years$1,039$735$510$348$234$36
32 years$995$696$476$319$211$30
33 years$955$659$444$294$191$25
34 years$916$624$415$270$173$21
35 years$880$592$388$249$157$18
36 years$847$562$363$229$142$15
37 years$815$534$340$211$129$12
38 years$784$507$318$195$117$10
39 years$756$483$298$179$106$9
40 years$729$459$279$165$96$7
41 years$703$437$262$153$87$6
42 years$679$416$246$141$79$5
43 years$655$397$231$130$72$4
44 years$633$378$216$120$65$4
45 years$612$360$203$111$59$3
46 years$592$344$191$102$54$3
47 years$573$328$179$95$49$2
48 years$555$313$169$87$44$2
49 years$537$299$158$81$40$2
50 years$520$286$149$75$37$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $533,000, adding $3,921 every year, while hoping to spend $26,496 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: 50/25/25 Blend
34$533,000$533,000$533,000$533,000
35$591,411$563,162$554,900$616,639
36$623,543$562,565$545,298$634,015
37$658,065$561,051$534,486$649,910
38$695,192$558,547$522,395$666,652
39$735,161$554,975$508,955$684,333
40$778,232$550,254$494,090$703,056
41$824,691$544,296$477,722$722,936
42$874,853$537,009$459,768$744,099
43$929,060$528,296$440,143$766,689
44$987,694$518,052$418,757$790,863
45$1,051,171$506,168$395,517$816,799
46$1,119,947$492,527$370,325$844,692
47$1,194,529$477,008$343,077$874,763
48$1,275,468$459,479$313,668$907,255
49$1,363,375$439,802$281,985$942,438
50$1,458,919$417,833$247,911$980,612
51$1,562,838$393,416$211,326$1,022,114
52$1,675,943$366,388$172,100$1,067,313
53$1,799,126$336,578$130,102$1,116,622
54$1,933,369$303,802$85,192$1,170,499
55$2,079,752$267,869$37,226$1,229,450
56$2,239,466$228,573$0$1,294,040
57$2,413,820$185,701$0$1,368,617
58$2,604,254$139,026$0$1,460,987
59$2,812,356$88,306$0$1,562,022
60$3,039,872$33,288$0$1,672,616
61$3,288,725$0$0$1,793,760
62$3,561,032$0$0$1,933,778
63$3,859,127$0$0$2,097,135
64$4,185,575$0$0$2,276,087
65$4,543,205$0$0$2,472,191
66$4,935,130$0$0$2,687,161
67$5,364,779$0$0$2,922,887
68$5,835,931$0$0$3,181,449
69$6,352,744$0$0$3,465,137
70$6,919,801$0$0$3,776,476
71$7,542,148$0$0$4,118,245
72$8,225,346$0$0$4,493,506
73$8,975,517$0$0$4,905,632
74$9,799,408$0$0$5,358,340
75$10,704,451$0$0$5,855,723
76$11,698,831$0$0$6,402,290
77$12,791,567$0$0$7,003,009
78$13,992,596$0$0$7,663,354
79$15,312,862$0$0$8,389,354
80$16,764,426$0$0$9,187,653
81$18,360,574$0$0$10,065,569
82$20,115,943$0$0$11,031,167
83$22,046,661$0$0$12,093,333
84$24,170,497$0$0$13,261,854
85$26,507,030$0$0$14,547,516
86$29,077,830$0$0$15,962,205
87$31,906,665$0$0$17,519,013
88$35,019,722$0$0$19,232,368
89$38,445,856$0$0$21,118,168
90$42,216,861$0$0$23,193,928
91$46,367,769$0$0$25,478,950
92$50,937,179$0$0$27,994,500
93$55,967,627$0$0$30,764,012
94$61,505,978$0$0$33,813,308
95$67,603,875$0$0$37,170,840
96$74,318,222$0$0$40,867,960
97$81,711,724$0$0$44,939,216
98$89,853,473$0$0$49,422,676
99$98,819,607$0$0$54,360,288
100$108,694,020$0$0$59,798,276