Can I retire at age 35 with 537,000?

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 $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%14.8%
1 years$44,345$43,950$43,565$43,188$42,821$41,974
2 years$21,953$21,544$21,148$20,764$20,391$19,541
3 years$14,490$14,079$13,684$13,303$12,937$12,110
4 years$10,759$10,350$9,958$9,584$9,227$8,430
5 years$8,521$8,114$7,728$7,362$7,014$6,250
6 years$7,030$6,626$6,246$5,887$5,550$4,819
7 years$5,965$5,564$5,190$4,840$4,514$3,816
8 years$5,167$4,770$4,402$4,060$3,744$3,080
9 years$4,546$4,153$3,791$3,459$3,153$2,522
10 years$4,050$3,661$3,305$2,981$2,687$2,088
11 years$3,644$3,259$2,910$2,595$2,311$1,743
12 years$3,306$2,925$2,582$2,276$2,002$1,465
13 years$3,021$2,643$2,307$2,009$1,746$1,239
14 years$2,776$2,403$2,073$1,784$1,531$1,052
15 years$2,564$2,195$1,872$1,591$1,348$897
16 years$2,379$2,014$1,697$1,424$1,191$767
17 years$2,216$1,855$1,544$1,280$1,056$658
18 years$2,071$1,714$1,410$1,153$939$565
19 years$1,942$1,588$1,290$1,042$837$487
20 years$1,825$1,476$1,184$944$748$420
21 years$1,720$1,375$1,089$857$669$362
22 years$1,624$1,283$1,004$779$600$313
23 years$1,537$1,200$927$709$538$271
24 years$1,458$1,125$857$647$484$235
25 years$1,384$1,055$794$591$435$204
26 years$1,317$992$736$540$392$177
27 years$1,255$933$684$494$354$153
28 years$1,197$880$636$453$319$133
29 years$1,143$830$592$415$288$116
30 years$1,093$784$551$381$260$100
31 years$1,046$741$514$350$235$87
32 years$1,003$701$479$322$213$76
33 years$962$664$448$296$193$66
34 years$923$629$418$272$174$57
35 years$887$597$391$251$158$50
36 years$853$566$366$231$143$43
37 years$821$538$342$213$130$38
38 years$790$511$321$196$118$33
39 years$761$486$300$181$107$29
40 years$734$463$281$167$97$25
41 years$708$440$264$154$88$22
42 years$684$419$248$142$80$19
43 years$660$400$232$131$72$16
44 years$638$381$218$121$66$14
45 years$617$363$205$112$60$12
46 years$597$346$192$103$54$11
47 years$577$331$181$95$49$9
48 years$559$316$170$88$45$8
49 years$541$301$160$81$41$7
50 years$524$288$150$75$37$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $537,000, adding $6,280 every year, while hoping to spend $28,861 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: 51/24/25 Blend
34$537,000$537,000$537,000$537,000
35$598,252$569,791$561,467$624,282
36$628,566$567,003$549,569$640,226
37$661,004$563,111$536,304$654,119
38$695,754$558,030$521,597$668,642
39$733,018$551,671$505,369$683,866
40$773,022$543,940$487,535$699,871
41$816,012$534,734$468,008$716,749
42$862,257$523,947$446,698$734,599
43$912,053$511,467$423,509$753,536
44$965,728$497,174$398,341$773,688
45$1,023,637$480,940$371,091$795,196
46$1,086,174$462,633$341,648$818,219
47$1,153,771$442,109$309,901$842,935
48$1,226,902$419,219$275,729$869,542
49$1,306,089$393,804$239,009$898,262
50$1,391,906$365,696$199,612$929,342
51$1,484,983$334,717$157,401$963,055
52$1,586,013$300,680$112,236$999,709
53$1,695,759$263,387$63,969$1,039,643
54$1,815,061$222,627$12,446$1,083,237
55$1,944,842$178,180$0$1,130,914
56$2,086,116$129,811$0$1,194,487
57$2,240,001$77,273$0$1,267,412
58$2,407,727$20,306$0$1,346,990
59$2,590,648$0$0$1,433,912
60$2,790,253$0$0$1,539,866
61$3,008,181$0$0$1,661,454
62$3,246,237$0$0$1,794,327
63$3,506,409$0$0$1,939,599
64$3,790,883$0$0$2,098,501
65$4,102,069$0$0$2,272,384
66$4,442,617$0$0$2,462,738
67$4,815,449$0$0$2,671,203
68$5,223,781$0$0$2,899,585
69$5,671,152$0$0$3,149,873
70$6,161,463$0$0$3,424,259
71$6,699,009$0$0$3,725,155
72$7,288,521$0$0$4,055,218
73$7,935,209$0$0$4,417,376
74$8,644,812$0$0$4,814,852
75$9,423,651$0$0$5,251,198
76$10,278,689$0$0$5,730,327
77$11,217,597$0$0$6,256,547
78$12,248,823$0$0$6,834,606
79$13,381,676$0$0$7,469,733
80$14,626,410$0$0$8,167,691
81$15,994,319$0$0$8,934,825
82$17,497,851$0$0$9,778,129
83$19,150,713$0$0$10,705,307
84$20,968,013$0$0$11,724,845
85$22,966,391$0$0$12,846,096
86$25,164,181$0$0$14,079,362
87$27,581,586$0$0$15,435,995
88$30,240,862$0$0$16,928,500
89$33,166,532$0$0$18,570,660
90$36,385,615$0$0$20,377,657
91$39,927,881$0$0$22,366,220
92$43,826,133$0$0$24,554,783
93$48,116,513$0$0$26,963,656
94$52,838,845$0$0$29,615,220
95$58,037,011$0$0$32,534,133
96$63,759,360$0$0$35,747,567
97$70,059,170$0$0$39,285,463
98$76,995,146$0$0$43,180,810
99$84,631,975$0$0$47,469,962
100$93,040,934$0$0$52,192,977