Can I retire at age 35 with 539,000?

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 $539,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$44,510$44,114$43,727$43,349$42,981$42,356
2 years$22,035$21,624$21,227$20,841$20,467$19,839
3 years$14,544$14,132$13,735$13,353$12,985$12,373
4 years$10,799$10,388$9,996$9,620$9,261$8,670
5 years$8,553$8,145$7,757$7,389$7,040$6,472
6 years$7,056$6,651$6,269$5,909$5,571$5,025
7 years$5,987$5,585$5,209$4,858$4,530$4,009
8 years$5,186$4,788$4,418$4,075$3,758$3,260
9 years$4,563$4,168$3,805$3,471$3,165$2,690
10 years$4,065$3,674$3,317$2,992$2,697$2,244
11 years$3,658$3,271$2,921$2,604$2,319$1,889
12 years$3,319$2,936$2,592$2,284$2,010$1,602
13 years$3,032$2,653$2,316$2,017$1,753$1,366
14 years$2,786$2,412$2,081$1,790$1,536$1,170
15 years$2,574$2,203$1,879$1,597$1,353$1,006
16 years$2,388$2,021$1,703$1,430$1,196$868
17 years$2,224$1,862$1,550$1,284$1,060$752
18 years$2,079$1,720$1,415$1,158$943$652
19 years$1,949$1,594$1,295$1,046$840$567
20 years$1,832$1,481$1,189$947$750$493
21 years$1,726$1,380$1,093$860$672$430
22 years$1,630$1,288$1,008$782$602$376
23 years$1,543$1,205$930$712$540$329
24 years$1,463$1,129$861$649$486$288
25 years$1,390$1,059$797$593$437$252
26 years$1,322$996$739$542$394$221
27 years$1,259$937$686$496$355$194
28 years$1,201$883$638$455$320$170
29 years$1,147$833$594$417$289$149
30 years$1,097$787$553$383$261$131
31 years$1,050$744$516$351$236$115
32 years$1,006$704$481$323$214$101
33 years$965$666$449$297$193$89
34 years$927$631$420$273$175$78
35 years$890$599$392$252$159$69
36 years$856$568$367$232$144$61
37 years$824$540$344$213$130$53
38 years$793$513$322$197$118$47
39 years$764$488$301$181$107$41
40 years$737$464$283$167$97$36
41 years$711$442$265$154$88$32
42 years$686$421$249$142$80$28
43 years$663$401$233$132$73$25
44 years$640$382$219$121$66$22
45 years$619$364$206$112$60$19
46 years$599$348$193$104$54$17
47 years$579$332$181$96$49$15
48 years$561$317$170$88$45$13
49 years$543$302$160$82$41$12
50 years$526$289$151$76$37$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $539,000, adding $2,617 every year, while hoping to spend $28,028 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: 50/29/21 Blend
34$539,000$539,000$539,000$539,000
35$596,677$568,110$559,756$622,886
36$627,717$566,126$548,686$639,332
37$660,983$563,106$536,306$654,124
38$696,673$558,968$522,543$669,613
39$735,005$553,628$507,318$685,877
40$776,215$546,995$490,553$703,002
41$820,565$538,974$472,163$721,084
42$868,342$529,463$452,059$740,232
43$919,860$518,354$430,151$760,566
44$975,467$505,534$406,342$782,222
45$1,035,541$490,882$380,531$805,351
46$1,100,501$474,270$352,613$830,121
47$1,170,806$455,563$322,480$856,721
48$1,246,960$434,618$290,015$885,360
49$1,329,520$411,284$255,101$916,272
50$1,419,095$385,401$217,610$949,719
51$1,516,356$356,799$177,414$985,990
52$1,622,042$325,300$134,375$1,025,408
53$1,736,965$290,715$88,351$1,068,332
54$1,862,019$252,843$39,194$1,115,162
55$1,998,187$211,474$0$1,166,341
56$2,146,550$166,384$0$1,225,336
57$2,308,300$117,339$0$1,299,287
58$2,484,746$64,088$0$1,380,049
59$2,677,332$6,370$0$1,468,336
60$2,887,644$0$0$1,564,938
61$3,117,430$0$0$1,688,630
62$3,368,615$0$0$1,826,117
63$3,643,317$0$0$1,976,533
64$3,943,868$0$0$2,141,162
65$4,272,837$0$0$2,321,419
66$4,633,051$0$0$2,518,860
67$5,027,625$0$0$2,735,201
68$5,459,990$0$0$2,972,331
69$5,933,920$0$0$3,232,329
70$6,453,578$0$0$3,517,486
71$7,023,545$0$0$3,830,327
72$7,648,866$0$0$4,173,630
73$8,335,102$0$0$4,550,458
74$9,088,374$0$0$4,964,182
75$9,915,427$0$0$5,418,518
76$10,823,690$0$0$5,917,557
77$11,821,349$0$0$6,465,809
78$12,917,419$0$0$7,068,239
79$14,121,832$0$0$7,730,319
80$15,445,530$0$0$8,458,076
81$16,900,569$0$0$9,258,151
82$18,500,228$0$0$10,137,861
83$20,259,141$0$0$11,105,265
84$22,193,428$0$0$12,169,245
85$24,320,849$0$0$13,339,585
86$26,660,973$0$0$14,627,066
87$29,235,361$0$0$16,043,565
88$32,067,768$0$0$17,602,170
89$35,184,369$0$0$19,317,301
90$38,614,001$0$0$21,204,846
91$42,388,443$0$0$23,282,312
92$46,542,705$0$0$25,568,988
93$51,115,367$0$0$28,086,130
94$56,148,939$0$0$30,857,157
95$61,690,258$0$0$33,907,875
96$67,790,936$0$0$37,266,720
97$74,507,845$0$0$40,965,025
98$81,903,649$0$0$45,037,316
99$90,047,398$0$0$49,521,637
100$99,015,182$0$0$54,459,909