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%14.2%
1 years$44,345$43,950$43,565$43,188$42,821$42,077
2 years$21,953$21,544$21,148$20,764$20,391$19,644
3 years$14,490$14,079$13,684$13,303$12,937$12,210
4 years$10,759$10,350$9,958$9,584$9,227$8,525
5 years$8,521$8,114$7,728$7,362$7,014$6,340
6 years$7,030$6,626$6,246$5,887$5,550$4,905
7 years$5,965$5,564$5,190$4,840$4,514$3,897
8 years$5,167$4,770$4,402$4,060$3,744$3,157
9 years$4,546$4,153$3,791$3,459$3,153$2,594
10 years$4,050$3,661$3,305$2,981$2,687$2,155
11 years$3,644$3,259$2,910$2,595$2,311$1,806
12 years$3,306$2,925$2,582$2,276$2,002$1,524
13 years$3,021$2,643$2,307$2,009$1,746$1,294
14 years$2,776$2,403$2,073$1,784$1,531$1,103
15 years$2,564$2,195$1,872$1,591$1,348$944
16 years$2,379$2,014$1,697$1,424$1,191$811
17 years$2,216$1,855$1,544$1,280$1,056$698
18 years$2,071$1,714$1,410$1,153$939$603
19 years$1,942$1,588$1,290$1,042$837$521
20 years$1,825$1,476$1,184$944$748$451
21 years$1,720$1,375$1,089$857$669$392
22 years$1,624$1,283$1,004$779$600$340
23 years$1,537$1,200$927$709$538$296
24 years$1,458$1,125$857$647$484$257
25 years$1,384$1,055$794$591$435$224
26 years$1,317$992$736$540$392$195
27 years$1,255$933$684$494$354$170
28 years$1,197$880$636$453$319$149
29 years$1,143$830$592$415$288$130
30 years$1,093$784$551$381$260$113
31 years$1,046$741$514$350$235$99
32 years$1,003$701$479$322$213$87
33 years$962$664$448$296$193$76
34 years$923$629$418$272$174$66
35 years$887$597$391$251$158$58
36 years$853$566$366$231$143$51
37 years$821$538$342$213$130$44
38 years$790$511$321$196$118$39
39 years$761$486$300$181$107$34
40 years$734$463$281$167$97$30
41 years$708$440$264$154$88$26
42 years$684$419$248$142$80$23
43 years$660$400$232$131$72$20
44 years$638$381$218$121$66$17
45 years$617$363$205$112$60$15
46 years$597$346$192$103$54$13
47 years$577$331$181$95$49$12
48 years$559$316$170$88$45$10
49 years$541$301$160$81$41$9
50 years$524$288$150$75$37$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $537,000, adding $4,945 every year, while hoping to spend $49,762 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: 55/34/11 Blend
34$537,000$537,000$537,000$537,000
35$596,875$568,414$560,090$627,780
36$604,810$543,320$525,907$624,191
37$611,886$515,328$488,911$614,418
38$617,964$484,245$448,955$602,604
39$622,887$449,864$405,885$588,565
40$626,482$411,967$359,543$572,100
41$628,556$370,326$309,760$552,990
42$628,893$324,697$256,362$530,998
43$627,256$274,823$199,166$505,869
44$623,380$220,433$137,982$477,324
45$616,971$161,241$72,610$445,059
46$607,703$96,943$2,844$408,747
47$595,216$27,220$0$368,030
48$579,110$0$0$330,923
49$558,940$0$0$307,562
50$534,218$0$0$291,594
51$504,399$0$0$272,507
52$468,882$0$0$249,934
53$427,004$0$0$223,473
54$378,029$0$0$192,676
55$321,143$0$0$157,049
56$255,448$0$0$116,047
57$179,952$0$0$69,067
58$93,555$0$0$15,442
59$0$0$0$0
60$0$0$0$0
61$0$0$0$0
62$0$0$0$0
63$0$0$0$0
64$0$0$0$0
65$0$0$0$0
66$0$0$0$0
67$0$0$0$0
68$0$0$0$0
69$0$0$0$0
70$0$0$0$0
71$0$0$0$0
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$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