Can I retire at age 35 with 535,000?

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 $535,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$44,180$43,786$43,402$43,028$42,662$41,681
2 years$21,871$21,464$21,069$20,686$20,315$19,333
3 years$14,436$14,027$13,633$13,254$12,889$11,935
4 years$10,719$10,311$9,921$9,549$9,192$8,275
5 years$8,490$8,084$7,699$7,334$6,988$6,109
6 years$7,004$6,601$6,222$5,865$5,529$4,690
7 years$5,943$5,544$5,171$4,822$4,497$3,697
8 years$5,147$4,752$4,385$4,045$3,731$2,970
9 years$4,529$4,137$3,777$3,446$3,142$2,420
10 years$4,035$3,647$3,293$2,970$2,677$1,994
11 years$3,631$3,247$2,899$2,585$2,302$1,656
12 years$3,294$2,914$2,573$2,267$1,995$1,385
13 years$3,009$2,633$2,299$2,002$1,740$1,165
14 years$2,766$2,394$2,065$1,777$1,525$984
15 years$2,555$2,187$1,865$1,585$1,343$834
16 years$2,370$2,006$1,691$1,419$1,187$709
17 years$2,208$1,848$1,538$1,275$1,052$604
18 years$2,063$1,707$1,404$1,149$936$516
19 years$1,934$1,582$1,286$1,038$834$442
20 years$1,818$1,470$1,180$940$745$379
21 years$1,714$1,370$1,085$853$667$325
22 years$1,618$1,279$1,000$776$597$279
23 years$1,532$1,196$924$707$536$240
24 years$1,452$1,120$854$644$482$207
25 years$1,379$1,051$791$589$434$178
26 years$1,312$988$734$538$391$154
27 years$1,250$930$681$493$352$132
28 years$1,192$876$633$451$318$114
29 years$1,139$827$589$414$287$99
30 years$1,089$781$549$380$259$85
31 years$1,042$738$512$349$234$73
32 years$999$698$478$321$212$63
33 years$958$661$446$295$192$55
34 years$920$627$417$271$174$47
35 years$884$595$389$250$157$41
36 years$850$564$364$230$143$35
37 years$818$536$341$212$129$31
38 years$787$509$319$195$117$26
39 years$759$484$299$180$106$23
40 years$731$461$280$166$96$20
41 years$706$439$263$153$87$17
42 years$681$418$247$141$79$15
43 years$658$398$231$131$72$13
44 years$636$379$217$121$65$11
45 years$615$362$204$111$59$10
46 years$594$345$192$103$54$8
47 years$575$329$180$95$49$7
48 years$557$314$169$88$44$6
49 years$539$300$159$81$40$5
50 years$522$287$149$75$37$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $535,000, adding $4,554 every year, while hoping to spend $41,839 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: 46/42/12 Blend
34$535,000$535,000$535,000$535,000
35$594,267$565,912$557,620$619,396
36$610,366$549,126$531,784$620,476
37$626,705$530,114$503,680$616,998
38$643,264$508,725$473,188$612,290
39$660,020$484,795$440,183$606,254
40$676,946$458,154$404,533$598,785
41$694,011$428,620$366,101$589,771
42$711,179$396,002$324,745$579,091
43$728,409$360,096$280,313$566,616
44$745,654$320,688$232,652$552,210
45$762,861$277,552$181,596$535,724
46$779,970$230,449$126,976$517,003
47$796,911$179,125$68,614$495,877
48$813,609$123,315$6,325$472,168
49$829,974$62,735$0$445,683
50$845,911$0$0$423,918
51$861,308$0$0$401,662
52$876,043$0$0$408,030
53$889,978$0$0$413,959
54$902,958$0$0$419,367
55$914,811$0$0$424,167
56$925,346$0$0$428,261
57$934,348$0$0$431,539
58$941,578$0$0$433,878
59$946,772$0$0$435,143
60$949,634$0$0$435,182
61$949,836$0$0$433,829
62$947,013$0$0$430,897
63$940,762$0$0$426,180
64$930,634$0$0$419,448
65$916,131$0$0$410,448
66$896,702$0$0$398,900
67$871,735$0$0$384,490
68$840,554$0$0$366,876
69$802,410$0$0$345,674
70$756,472$0$0$320,464
71$701,824$0$0$290,777
72$637,450$0$0$256,097
73$562,226$0$0$215,853
74$474,913$0$0$169,414
75$374,136$0$0$116,081
76$258,381$0$0$55,084
77$125,969$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0