Can I retire at age 35 with 539,000?

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 $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%14.5%
1 years$44,510$44,114$43,727$43,349$42,981$42,182
2 years$22,035$21,624$21,227$20,841$20,467$19,665
3 years$14,544$14,132$13,735$13,353$12,985$12,205
4 years$10,799$10,388$9,996$9,620$9,261$8,509
5 years$8,553$8,145$7,757$7,389$7,040$6,318
6 years$7,056$6,651$6,269$5,909$5,571$4,880
7 years$5,987$5,585$5,209$4,858$4,530$3,871
8 years$5,186$4,788$4,418$4,075$3,758$3,130
9 years$4,563$4,168$3,805$3,471$3,165$2,567
10 years$4,065$3,674$3,317$2,992$2,697$2,129
11 years$3,658$3,271$2,921$2,604$2,319$1,781
12 years$3,319$2,936$2,592$2,284$2,010$1,500
13 years$3,032$2,653$2,316$2,017$1,753$1,271
14 years$2,786$2,412$2,081$1,790$1,536$1,081
15 years$2,574$2,203$1,879$1,597$1,353$924
16 years$2,388$2,021$1,703$1,430$1,196$792
17 years$2,224$1,862$1,550$1,284$1,060$680
18 years$2,079$1,720$1,415$1,158$943$586
19 years$1,949$1,594$1,295$1,046$840$505
20 years$1,832$1,481$1,189$947$750$437
21 years$1,726$1,380$1,093$860$672$378
22 years$1,630$1,288$1,008$782$602$328
23 years$1,543$1,205$930$712$540$284
24 years$1,463$1,129$861$649$486$247
25 years$1,390$1,059$797$593$437$214
26 years$1,322$996$739$542$394$186
27 years$1,259$937$686$496$355$162
28 years$1,201$883$638$455$320$141
29 years$1,147$833$594$417$289$123
30 years$1,097$787$553$383$261$107
31 years$1,050$744$516$351$236$93
32 years$1,006$704$481$323$214$81
33 years$965$666$449$297$193$71
34 years$927$631$420$273$175$62
35 years$890$599$392$252$159$54
36 years$856$568$367$232$144$47
37 years$824$540$344$213$130$41
38 years$793$513$322$197$118$36
39 years$764$488$301$181$107$31
40 years$737$464$283$167$97$27
41 years$711$442$265$154$88$24
42 years$686$421$249$142$80$21
43 years$663$401$233$132$73$18
44 years$640$382$219$121$66$16
45 years$619$364$206$112$60$14
46 years$599$348$193$104$54$12
47 years$579$332$181$96$49$11
48 years$561$317$170$88$45$9
49 years$543$302$160$82$41$8
50 years$526$289$151$76$37$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $539,000, adding $6,844 every year, while hoping to spend $48,614 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: 69/25/6 Blend
34$539,000$539,000$539,000$539,000
35$601,038$572,471$564,116$641,531
36$610,619$548,797$531,289$645,547
37$619,547$522,334$495,733$643,330
38$627,706$492,893$457,305$639,572
39$634,964$460,276$415,856$634,113
40$641,173$424,273$371,231$626,777
41$646,172$384,661$323,266$617,372
42$649,777$341,206$271,791$605,686
43$651,788$293,658$216,630$591,491
44$651,980$241,757$157,596$574,536
45$650,103$185,224$94,496$554,547
46$645,880$123,767$27,129$531,224
47$639,005$57,076$0$504,240
48$629,137$0$0$476,102
49$615,899$0$0$449,768
50$598,871$0$0$436,236
51$577,592$0$0$419,453
52$551,548$0$0$399,028
53$520,171$0$0$374,529
54$482,833$0$0$345,476
55$438,839$0$0$311,342
56$387,421$0$0$271,541
57$327,728$0$0$225,425
58$258,822$0$0$172,282
59$179,663$0$0$111,319
60$89,106$0$0$41,664
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