Can I retire at age 35 with 543,000?

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 $543,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$44,840$44,441$44,051$43,671$43,300$42,973
2 years$22,198$21,785$21,384$20,996$20,619$20,289
3 years$14,652$14,237$13,837$13,452$13,081$12,759
4 years$10,879$10,465$10,070$9,691$9,330$9,018
5 years$8,616$8,205$7,815$7,444$7,092$6,791
6 years$7,108$6,700$6,315$5,953$5,612$5,322
7 years$6,032$5,627$5,248$4,894$4,564$4,286
8 years$5,224$4,823$4,451$4,106$3,786$3,519
9 years$4,597$4,199$3,833$3,497$3,189$2,933
10 years$4,095$3,702$3,342$3,015$2,717$2,473
11 years$3,685$3,295$2,942$2,624$2,337$2,103
12 years$3,343$2,958$2,611$2,301$2,025$1,802
13 years$3,054$2,673$2,333$2,032$1,766$1,554
14 years$2,807$2,430$2,096$1,803$1,548$1,346
15 years$2,593$2,219$1,893$1,608$1,363$1,171
16 years$2,406$2,036$1,716$1,440$1,204$1,023
17 years$2,241$1,875$1,561$1,294$1,068$896
18 years$2,094$1,733$1,425$1,166$950$787
19 years$1,963$1,606$1,305$1,054$846$692
20 years$1,845$1,492$1,198$954$756$610
21 years$1,739$1,390$1,101$866$677$539
22 years$1,643$1,298$1,015$787$606$477
23 years$1,555$1,214$937$717$544$422
24 years$1,474$1,137$867$654$489$374
25 years$1,400$1,067$803$597$440$332
26 years$1,332$1,003$745$546$397$295
27 years$1,269$944$691$500$358$262
28 years$1,210$889$643$458$323$233
29 years$1,156$839$598$420$291$208
30 years$1,105$792$557$386$263$185
31 years$1,058$749$519$354$238$165
32 years$1,014$709$485$325$215$147
33 years$972$671$453$299$195$131
34 years$934$636$423$275$176$117
35 years$897$603$395$253$160$104
36 years$862$573$370$233$145$93
37 years$830$544$346$215$131$83
38 years$799$517$324$198$119$74
39 years$770$492$304$183$108$66
40 years$742$468$285$169$98$59
41 years$716$445$267$156$89$53
42 years$691$424$250$144$81$47
43 years$668$404$235$133$73$42
44 years$645$385$221$122$66$38
45 years$624$367$207$113$60$34
46 years$603$350$194$104$55$30
47 years$584$334$183$96$50$27
48 years$565$319$172$89$45$24
49 years$547$305$161$82$41$22
50 years$530$291$152$76$37$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $543,000, adding $3,782 every year, while hoping to spend $28,325 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: 63/14/23 Blend
34$543,000$543,000$543,000$543,000
35$602,287$573,508$565,092$636,387
36$633,583$571,472$553,885$657,834
37$667,121$568,388$541,353$677,762
38$703,102$564,173$527,422$698,888
39$741,742$558,741$512,014$721,334
40$783,281$552,001$495,049$745,233
41$827,983$543,856$476,440$770,732
42$876,136$534,204$456,099$797,998
43$928,057$522,935$433,934$827,211
44$984,094$509,934$409,846$858,573
45$1,044,631$495,080$383,735$892,309
46$1,110,087$478,242$355,494$928,666
47$1,180,925$459,286$325,012$967,918
48$1,257,654$438,065$292,174$1,010,371
49$1,340,831$414,427$256,859$1,056,360
50$1,431,072$388,209$218,939$1,106,258
51$1,529,051$359,242$178,284$1,160,479
52$1,635,513$327,344$134,756$1,219,479
53$1,751,275$292,323$88,209$1,283,764
54$1,877,236$253,978$38,495$1,353,891
55$2,014,386$212,095$0$1,430,482
56$2,163,814$166,448$0$1,517,791
57$2,326,719$116,800$0$1,623,317
58$2,504,419$62,897$0$1,738,482
59$2,698,366$4,476$0$1,864,253
60$2,910,158$0$0$2,001,700
61$3,141,555$0$0$2,161,049
62$3,394,493$0$0$2,336,023
63$3,671,104$0$0$2,527,413
64$3,973,737$0$0$2,736,848
65$4,304,975$0$0$2,966,122
66$4,667,667$0$0$3,217,211
67$5,064,945$0$0$3,492,289
68$5,500,263$0$0$3,793,754
69$5,977,423$0$0$4,124,244
70$6,500,611$0$0$4,486,665
71$7,074,439$0$0$4,884,218
72$7,703,987$0$0$5,320,428
73$8,394,849$0$0$5,799,179
74$9,153,188$0$0$6,324,750
75$9,985,793$0$0$6,901,851
76$10,900,141$0$0$7,535,673
77$11,904,471$0$0$8,231,936
78$13,007,857$0$0$8,996,937
79$14,220,295$0$0$9,837,617
80$15,552,800$0$0$10,761,620
81$17,017,504$0$0$11,777,369
82$18,627,775$0$0$12,894,144
83$20,398,340$0$0$14,122,168
84$22,345,425$0$0$15,472,704
85$24,486,905$0$0$16,958,162
86$26,842,477$0$0$18,592,215
87$29,433,842$0$0$20,389,927
88$32,284,909$0$0$22,367,898
89$35,422,022$0$0$24,544,414
90$38,874,209$0$0$26,939,627
91$42,673,452$0$0$29,575,740
92$46,854,990$0$0$32,477,217
93$51,457,655$0$0$35,671,015
94$56,524,230$0$0$39,186,835
95$62,101,859$0$0$43,057,406
96$68,242,490$0$0$47,318,791
97$75,003,361$0$0$52,010,727
98$82,447,545$0$0$57,177,002
99$90,644,543$0$0$62,865,864
100$99,670,935$0$0$69,130,479