Can I retire at age 35 with 537,000?

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 $537,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$44,345$43,950$43,565$43,188$42,821$42,216
2 years$21,953$21,544$21,148$20,764$20,391$19,783
3 years$14,490$14,079$13,684$13,303$12,937$12,344
4 years$10,759$10,350$9,958$9,584$9,227$8,654
5 years$8,521$8,114$7,728$7,362$7,014$6,463
6 years$7,030$6,626$6,246$5,887$5,550$5,021
7 years$5,965$5,564$5,190$4,840$4,514$4,008
8 years$5,167$4,770$4,402$4,060$3,744$3,261
9 years$4,546$4,153$3,791$3,459$3,153$2,692
10 years$4,050$3,661$3,305$2,981$2,687$2,248
11 years$3,644$3,259$2,910$2,595$2,311$1,893
12 years$3,306$2,925$2,582$2,276$2,002$1,606
13 years$3,021$2,643$2,307$2,009$1,746$1,370
14 years$2,776$2,403$2,073$1,784$1,531$1,175
15 years$2,564$2,195$1,872$1,591$1,348$1,011
16 years$2,379$2,014$1,697$1,424$1,191$873
17 years$2,216$1,855$1,544$1,280$1,056$756
18 years$2,071$1,714$1,410$1,153$939$656
19 years$1,942$1,588$1,290$1,042$837$571
20 years$1,825$1,476$1,184$944$748$498
21 years$1,720$1,375$1,089$857$669$434
22 years$1,624$1,283$1,004$779$600$380
23 years$1,537$1,200$927$709$538$332
24 years$1,458$1,125$857$647$484$291
25 years$1,384$1,055$794$591$435$255
26 years$1,317$992$736$540$392$224
27 years$1,255$933$684$494$354$196
28 years$1,197$880$636$453$319$172
29 years$1,143$830$592$415$288$151
30 years$1,093$784$551$381$260$133
31 years$1,046$741$514$350$235$117
32 years$1,003$701$479$322$213$103
33 years$962$664$448$296$193$91
34 years$923$629$418$272$174$80
35 years$887$597$391$251$158$70
36 years$853$566$366$231$143$62
37 years$821$538$342$213$130$54
38 years$790$511$321$196$118$48
39 years$761$486$300$181$107$42
40 years$734$463$281$167$97$37
41 years$708$440$264$154$88$33
42 years$684$419$248$142$80$29
43 years$660$400$232$131$72$25
44 years$638$381$218$121$66$22
45 years$617$363$205$112$60$20
46 years$597$346$192$103$54$17
47 years$577$331$181$95$49$15
48 years$559$316$170$88$45$14
49 years$541$301$160$81$41$12
50 years$524$288$150$75$37$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $537,000, adding $5,790 every year, while hoping to spend $33,581 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: 31/40/29 Blend
34$537,000$537,000$537,000$537,000
35$597,746$569,285$560,962$610,839
36$622,987$561,450$544,024$613,639
37$649,676$552,106$525,394$613,320
38$677,926$541,143$504,978$612,323
39$707,861$528,445$482,681$610,611
40$739,614$513,890$458,401$608,150
41$773,331$497,347$432,035$604,902
42$809,173$478,680$403,470$600,832
43$847,316$457,742$372,593$595,905
44$887,950$434,379$339,284$590,086
45$931,287$408,430$303,416$583,340
46$977,557$379,721$264,858$575,635
47$1,027,011$348,071$223,474$566,939
48$1,079,926$313,286$179,121$557,223
49$1,136,606$275,165$131,649$546,462
50$1,197,382$233,491$80,902$534,631
51$1,262,621$188,037$26,717$521,711
52$1,332,722$138,564$0$507,689
53$1,408,124$84,819$0$502,179
54$1,489,310$26,533$0$505,001
55$1,576,811$0$0$507,943
56$1,671,207$0$0$527,176
57$1,773,140$0$0$560,621
58$1,883,310$0$0$596,836
59$2,002,492$0$0$636,085
60$2,131,533$0$0$678,655
61$2,271,367$0$0$724,866
62$2,423,020$0$0$775,064
63$2,587,621$0$0$829,636
64$2,766,411$0$0$889,002
65$2,960,756$0$0$953,628
66$3,172,157$0$0$1,024,026
67$3,402,267$0$0$1,100,757
68$3,652,905$0$0$1,184,442
69$3,926,071$0$0$1,275,762
70$4,223,969$0$0$1,375,467
71$4,549,021$0$0$1,484,385
72$4,903,896$0$0$1,603,423
73$5,291,531$0$0$1,733,584
74$5,715,159$0$0$1,875,969
75$6,178,339$0$0$2,031,793
76$6,684,992$0$0$2,202,392
77$7,239,431$0$0$2,389,237
78$7,846,409$0$0$2,593,950
79$8,511,159$0$0$2,818,316
80$9,239,442$0$0$3,064,300
81$10,037,604$0$0$3,334,068
82$10,912,635$0$0$3,630,004
83$11,872,232$0$0$3,954,736
84$12,924,873$0$0$4,311,156
85$14,079,895$0$0$4,702,451
86$15,347,586$0$0$5,132,132
87$16,739,274$0$0$5,604,067
88$18,267,441$0$0$6,122,516
89$19,945,835$0$0$6,692,172
90$21,789,602$0$0$7,318,205
91$23,815,425$0$0$8,006,312
92$26,041,686$0$0$8,762,767
93$28,488,633$0$0$9,594,485
94$31,178,576$0$0$10,509,083
95$34,136,093$0$0$11,514,952
96$37,388,261$0$0$12,621,339
97$40,964,915$0$0$13,838,432
98$44,898,923$0$0$15,177,453
99$49,226,501$0$0$16,650,772
100$53,987,550$0$0$18,272,013