Can I retire at age 35 with 536,000?

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 $536,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$44,262$43,868$43,483$43,108$42,741$41,540
2 years$21,912$21,504$21,108$20,725$20,353$19,152
3 years$14,463$14,053$13,659$13,279$12,913$11,749
4 years$10,739$10,331$9,940$9,567$9,210$8,093
5 years$8,505$8,099$7,714$7,348$7,001$5,934
6 years$7,017$6,614$6,234$5,876$5,540$4,523
7 years$5,954$5,554$5,180$4,831$4,505$3,540
8 years$5,157$4,761$4,393$4,053$3,737$2,822
9 years$4,538$4,145$3,784$3,452$3,147$2,282
10 years$4,042$3,654$3,299$2,976$2,682$1,864
11 years$3,637$3,253$2,904$2,590$2,306$1,536
12 years$3,300$2,920$2,578$2,272$1,999$1,273
13 years$3,015$2,638$2,303$2,005$1,743$1,061
14 years$2,771$2,398$2,069$1,780$1,528$889
15 years$2,559$2,191$1,868$1,588$1,345$746
16 years$2,375$2,010$1,694$1,422$1,189$629
17 years$2,212$1,851$1,541$1,277$1,054$531
18 years$2,067$1,711$1,407$1,151$937$449
19 years$1,938$1,585$1,288$1,040$835$381
20 years$1,822$1,473$1,182$942$746$323
21 years$1,717$1,372$1,087$855$668$275
22 years$1,621$1,281$1,002$777$599$234
23 years$1,534$1,198$925$708$537$199
24 years$1,455$1,122$856$646$483$169
25 years$1,382$1,053$793$590$435$144
26 years$1,315$990$735$539$391$123
27 years$1,252$932$683$494$353$105
28 years$1,195$878$635$452$318$90
29 years$1,141$828$590$415$288$77
30 years$1,091$782$550$381$260$65
31 years$1,044$739$513$349$235$56
32 years$1,001$700$478$321$212$48
33 years$960$663$447$295$192$41
34 years$921$628$417$272$174$35
35 years$885$596$390$250$158$30
36 years$851$565$365$230$143$26
37 years$819$537$342$212$130$22
38 years$789$510$320$196$117$19
39 years$760$485$300$180$106$16
40 years$733$462$281$166$97$14
41 years$707$439$263$154$88$12
42 years$682$419$247$142$79$10
43 years$659$399$232$131$72$9
44 years$637$380$218$121$65$7
45 years$616$362$204$112$59$6
46 years$595$346$192$103$54$5
47 years$576$330$180$95$49$5
48 years$558$315$169$88$45$4
49 years$540$301$159$81$40$3
50 years$523$287$150$75$37$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $536,000, adding $4,131 every year, while hoping to spend $41,192 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: 35/36/29 Blend
34$536,000$536,000$536,000$536,000
35$594,933$566,525$558,217$610,446
36$611,788$550,457$533,089$606,380
37$628,982$532,221$505,739$598,015
38$646,506$511,667$476,049$588,203
39$664,348$488,637$443,895$576,843
40$682,495$462,964$409,149$563,828
41$700,929$434,469$371,676$549,045
42$719,632$402,966$331,335$532,373
43$738,580$368,257$287,980$513,684
44$757,745$330,131$241,457$492,843
45$777,096$288,368$191,607$469,706
46$796,595$242,734$138,261$444,120
47$816,200$192,981$81,245$415,923
48$835,864$138,848$20,378$384,944
49$855,530$80,059$0$351,001
50$875,136$16,324$0$327,692
51$894,610$0$0$308,646
52$913,872$0$0$308,258
53$932,832$0$0$314,178
54$951,386$0$0$319,898
55$969,420$0$0$325,371
56$986,805$0$0$330,548
57$1,003,396$0$0$335,370
58$1,019,032$0$0$339,774
59$1,033,531$0$0$343,688
60$1,046,691$0$0$347,033
61$1,058,287$0$0$349,721
62$1,068,069$0$0$351,652
63$1,075,756$0$0$352,717
64$1,081,037$0$0$352,795
65$1,083,567$0$0$351,750
66$1,082,962$0$0$349,432
67$1,078,794$0$0$345,674
68$1,070,591$0$0$340,292
69$1,057,826$0$0$333,080
70$1,039,917$0$0$323,813
71$1,016,218$0$0$312,238
72$986,015$0$0$298,077
73$948,514$0$0$281,023
74$902,839$0$0$260,734
75$848,018$0$0$236,834
76$782,979$0$0$208,905
77$706,531$0$0$176,487
78$617,362$0$0$139,070
79$514,020$0$0$96,091
80$394,897$0$0$46,927
81$258,220$0$0$0
82$102,027$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