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%12.6%
1 years$44,510$44,114$43,727$43,349$42,981$42,514
2 years$22,035$21,624$21,227$20,841$20,467$19,997
3 years$14,544$14,132$13,735$13,353$12,985$12,527
4 years$10,799$10,388$9,996$9,620$9,261$8,818
5 years$8,553$8,145$7,757$7,389$7,040$6,613
6 years$7,056$6,651$6,269$5,909$5,571$5,160
7 years$5,987$5,585$5,209$4,858$4,530$4,137
8 years$5,186$4,788$4,418$4,075$3,758$3,382
9 years$4,563$4,168$3,805$3,471$3,165$2,805
10 years$4,065$3,674$3,317$2,992$2,697$2,353
11 years$3,658$3,271$2,921$2,604$2,319$1,992
12 years$3,319$2,936$2,592$2,284$2,010$1,698
13 years$3,032$2,653$2,316$2,017$1,753$1,457
14 years$2,786$2,412$2,081$1,790$1,536$1,255
15 years$2,574$2,203$1,879$1,597$1,353$1,087
16 years$2,388$2,021$1,703$1,430$1,196$944
17 years$2,224$1,862$1,550$1,284$1,060$822
18 years$2,079$1,720$1,415$1,158$943$717
19 years$1,949$1,594$1,295$1,046$840$628
20 years$1,832$1,481$1,189$947$750$550
21 years$1,726$1,380$1,093$860$672$483
22 years$1,630$1,288$1,008$782$602$425
23 years$1,543$1,205$930$712$540$374
24 years$1,463$1,129$861$649$486$330
25 years$1,390$1,059$797$593$437$291
26 years$1,322$996$739$542$394$257
27 years$1,259$937$686$496$355$227
28 years$1,201$883$638$455$320$200
29 years$1,147$833$594$417$289$177
30 years$1,097$787$553$383$261$157
31 years$1,050$744$516$351$236$139
32 years$1,006$704$481$323$214$123
33 years$965$666$449$297$193$109
34 years$927$631$420$273$175$96
35 years$890$599$392$252$159$85
36 years$856$568$367$232$144$76
37 years$824$540$344$213$130$67
38 years$793$513$322$197$118$60
39 years$764$488$301$181$107$53
40 years$737$464$283$167$97$47
41 years$711$442$265$154$88$42
42 years$686$421$249$142$80$37
43 years$663$401$233$132$73$33
44 years$640$382$219$121$66$29
45 years$619$364$206$112$60$26
46 years$599$348$193$104$54$23
47 years$579$332$181$96$49$20
48 years$561$317$170$88$45$18
49 years$543$302$160$82$41$16
50 years$526$289$151$76$37$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $539,000, adding $4,639 every year, while hoping to spend $22,556 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: 55/38/7 Blend
34$539,000$539,000$539,000$539,000
35$598,763$570,196$561,842$630,480
36$635,838$574,136$556,664$656,365
37$675,938$577,514$550,557$681,632
38$719,348$580,277$543,465$708,592
39$766,382$582,371$535,332$737,407
40$817,384$583,738$526,096$768,260
41$872,732$584,316$515,695$801,350
42$932,843$584,039$504,063$836,900
43$998,174$582,839$491,131$875,153
44$1,069,230$580,640$476,826$916,381
45$1,146,565$577,365$461,073$960,884
46$1,230,789$572,930$443,793$1,008,990
47$1,322,572$567,246$424,903$1,061,068
48$1,422,654$560,221$404,317$1,117,520
49$1,531,848$551,755$381,945$1,178,793
50$1,651,048$541,743$357,692$1,245,382
51$1,781,240$530,073$331,459$1,317,831
52$1,923,507$516,627$303,143$1,396,744
53$2,079,043$501,281$272,638$1,482,786
54$2,249,164$483,902$239,829$1,576,694
55$2,435,316$464,350$204,601$1,679,280
56$2,639,092$442,477$166,829$1,791,443
57$2,862,248$418,127$126,387$1,914,173
58$3,106,716$391,134$83,139$2,048,568
59$3,374,624$361,322$36,947$2,195,838
60$3,668,316$328,507$0$2,357,317
61$3,990,373$292,493$0$2,535,405
62$4,343,638$253,072$0$2,733,813
63$4,731,244$210,027$0$2,951,589
64$5,156,638$163,126$0$3,190,733
65$5,623,621$112,125$0$3,453,450
66$6,136,378$56,767$0$3,742,174
67$6,699,519$0$0$4,059,591
68$7,318,124$0$0$4,410,011
69$7,997,786$0$0$4,821,151
70$8,744,671$0$0$5,273,009
71$9,565,568$0$0$5,769,700
72$10,467,957$0$0$6,315,757
73$11,460,082$0$0$6,916,174
74$12,551,022$0$0$7,576,455
75$13,750,781$0$0$8,302,661
76$15,070,381$0$0$9,101,472
77$16,521,967$0$0$9,980,249
78$18,118,918$0$0$10,947,099
79$19,875,977$0$0$12,010,957
80$21,809,388$0$0$13,181,667
81$23,937,047$0$0$14,470,076
82$26,278,675$0$0$15,888,135
83$28,856,001$0$0$17,449,012
84$31,692,967$0$0$19,167,217
85$34,815,953$0$0$21,058,739
86$38,254,028$0$0$23,141,196
87$42,039,222$0$0$25,433,998
88$46,206,830$0$0$27,958,537
89$50,795,742$0$0$30,738,382
90$55,848,810$0$0$33,799,506
91$61,413,257$0$0$37,170,528
92$67,541,115$0$0$40,882,983
93$74,289,721$0$0$44,971,622
94$81,722,256$0$0$49,474,738
95$89,908,343$0$0$54,434,525
96$98,924,698$0$0$59,897,482
97$108,855,860$0$0$65,914,845
98$119,794,988$0$0$72,543,076
99$131,844,736$0$0$79,844,391
100$145,118,224$0$0$87,887,351