Can I retire at age 35 with 535,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%15.4%
1 years$44,180$43,786$43,402$43,028$42,662$41,715
2 years$21,871$21,464$21,069$20,686$20,315$19,366
3 years$14,436$14,027$13,633$13,254$12,889$11,967
4 years$10,719$10,311$9,921$9,549$9,192$8,306
5 years$8,490$8,084$7,699$7,334$6,988$6,138
6 years$7,004$6,601$6,222$5,865$5,529$4,718
7 years$5,943$5,544$5,171$4,822$4,497$3,723
8 years$5,147$4,752$4,385$4,045$3,731$2,995
9 years$4,529$4,137$3,777$3,446$3,142$2,443
10 years$4,035$3,647$3,293$2,970$2,677$2,015
11 years$3,631$3,247$2,899$2,585$2,302$1,676
12 years$3,294$2,914$2,573$2,267$1,995$1,403
13 years$3,009$2,633$2,299$2,002$1,740$1,182
14 years$2,766$2,394$2,065$1,777$1,525$999
15 years$2,555$2,187$1,865$1,585$1,343$848
16 years$2,370$2,006$1,691$1,419$1,187$722
17 years$2,208$1,848$1,538$1,275$1,052$617
18 years$2,063$1,707$1,404$1,149$936$528
19 years$1,934$1,582$1,286$1,038$834$452
20 years$1,818$1,470$1,180$940$745$388
21 years$1,714$1,370$1,085$853$667$334
22 years$1,618$1,279$1,000$776$597$287
23 years$1,532$1,196$924$707$536$247
24 years$1,452$1,120$854$644$482$213
25 years$1,379$1,051$791$589$434$184
26 years$1,312$988$734$538$391$159
27 years$1,250$930$681$493$352$137
28 years$1,192$876$633$451$318$119
29 years$1,139$827$589$414$287$102
30 years$1,089$781$549$380$259$89
31 years$1,042$738$512$349$234$77
32 years$999$698$478$321$212$66
33 years$958$661$446$295$192$57
34 years$920$627$417$271$174$50
35 years$884$595$389$250$157$43
36 years$850$564$364$230$143$37
37 years$818$536$341$212$129$32
38 years$787$509$319$195$117$28
39 years$759$484$299$180$106$24
40 years$731$461$280$166$96$21
41 years$706$439$263$153$87$18
42 years$681$418$247$141$79$16
43 years$658$398$231$131$72$14
44 years$636$379$217$121$65$12
45 years$615$362$204$111$59$10
46 years$594$345$192$103$54$9
47 years$575$329$180$95$49$8
48 years$557$314$169$88$44$7
49 years$539$300$159$81$40$6
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 $5,799 every year, while hoping to spend $24,604 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: 64/6/30 Blend
34$535,000$535,000$535,000$535,000
35$595,552$567,197$558,904$628,550
36$630,119$568,811$551,449$653,237
37$667,389$569,679$542,919$676,997
38$707,609$569,740$533,254$702,437
39$751,054$568,926$522,386$729,726
40$798,025$567,168$510,250$759,051
41$848,854$564,389$496,774$790,620
42$903,904$560,512$481,883$824,660
43$963,577$555,451$465,501$861,426
44$1,028,311$549,117$447,544$901,196
45$1,098,591$541,417$427,930$944,280
46$1,174,950$532,249$406,568$991,019
47$1,257,974$521,507$383,366$1,041,792
48$1,348,305$509,079$358,227$1,097,015
49$1,446,654$494,846$331,050$1,157,150
50$1,553,800$478,681$301,728$1,222,706
51$1,670,603$460,451$270,150$1,294,246
52$1,798,006$440,015$236,202$1,372,392
53$1,937,050$417,223$199,762$1,457,830
54$2,088,879$391,917$160,704$1,551,319
55$2,254,753$363,930$118,897$1,653,696
56$2,436,061$333,085$74,202$1,765,886
57$2,634,328$299,195$26,477$1,888,909
58$2,851,237$262,063$0$2,023,894
59$3,088,639$221,480$0$2,179,913
60$3,348,573$177,226$0$2,360,064
61$3,633,285$129,067$0$2,557,432
62$3,945,247$76,759$0$2,773,745
63$4,287,182$20,039$0$3,010,907
64$4,662,089$0$0$3,271,015
65$5,073,272$0$0$3,559,112
66$5,524,368$0$0$3,876,663
67$6,019,385$0$0$4,225,173
68$6,562,737$0$0$4,607,753
69$7,159,286$0$0$5,027,831
70$7,814,389$0$0$5,489,186
71$8,533,945$0$0$5,995,976
72$9,324,454$0$0$6,552,787
73$10,193,076$0$0$7,164,667
74$11,147,700$0$0$7,837,178
75$12,197,016$0$0$8,576,450
76$13,350,599$0$0$9,389,234
77$14,618,995$0$0$10,282,968
78$16,013,827$0$0$11,265,849
79$17,547,898$0$0$12,346,904
80$19,235,315$0$0$13,536,083
81$21,091,621$0$0$14,844,347
82$23,133,940$0$0$16,283,773
83$25,381,142$0$0$17,867,668
84$27,854,016$0$0$19,610,692
85$30,575,469$0$0$21,529,002
86$33,570,741$0$0$23,640,396
87$36,867,643$0$0$25,964,490
88$40,496,819$0$0$28,522,893
89$44,492,034$0$0$31,339,419
90$48,890,493$0$0$34,440,307
91$53,733,194$0$0$37,854,470
92$59,065,311$0$0$41,613,767
93$64,936,620$0$0$45,753,304
94$71,401,973$0$0$50,311,764
95$78,521,808$0$0$55,331,773
96$86,362,727$0$0$60,860,301
97$94,998,118$0$0$66,949,107
98$104,508,851$0$0$73,655,225
99$114,984,037$0$0$81,041,502
100$126,521,874$0$0$89,177,193