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%16.2%
1 years$44,840$44,441$44,051$43,671$43,300$42,201
2 years$22,198$21,785$21,384$20,996$20,619$19,520
3 years$14,652$14,237$13,837$13,452$13,081$12,016
4 years$10,879$10,465$10,070$9,691$9,330$8,305
5 years$8,616$8,205$7,815$7,444$7,092$6,112
6 years$7,108$6,700$6,315$5,953$5,612$4,677
7 years$6,032$5,627$5,248$4,894$4,564$3,675
8 years$5,224$4,823$4,451$4,106$3,786$2,942
9 years$4,597$4,199$3,833$3,497$3,189$2,388
10 years$4,095$3,702$3,342$3,015$2,717$1,960
11 years$3,685$3,295$2,942$2,624$2,337$1,622
12 years$3,343$2,958$2,611$2,301$2,025$1,351
13 years$3,054$2,673$2,333$2,032$1,766$1,132
14 years$2,807$2,430$2,096$1,803$1,548$952
15 years$2,593$2,219$1,893$1,608$1,363$804
16 years$2,406$2,036$1,716$1,440$1,204$680
17 years$2,241$1,875$1,561$1,294$1,068$578
18 years$2,094$1,733$1,425$1,166$950$491
19 years$1,963$1,606$1,305$1,054$846$419
20 years$1,845$1,492$1,198$954$756$357
21 years$1,739$1,390$1,101$866$677$305
22 years$1,643$1,298$1,015$787$606$261
23 years$1,555$1,214$937$717$544$223
24 years$1,474$1,137$867$654$489$191
25 years$1,400$1,067$803$597$440$164
26 years$1,332$1,003$745$546$397$141
27 years$1,269$944$691$500$358$121
28 years$1,210$889$643$458$323$104
29 years$1,156$839$598$420$291$89
30 years$1,105$792$557$386$263$76
31 years$1,058$749$519$354$238$66
32 years$1,014$709$485$325$215$56
33 years$972$671$453$299$195$49
34 years$934$636$423$275$176$42
35 years$897$603$395$253$160$36
36 years$862$573$370$233$145$31
37 years$830$544$346$215$131$27
38 years$799$517$324$198$119$23
39 years$770$492$304$183$108$20
40 years$742$468$285$169$98$17
41 years$716$445$267$156$89$15
42 years$691$424$250$144$81$13
43 years$668$404$235$133$73$11
44 years$645$385$221$122$66$9
45 years$624$367$207$113$60$8
46 years$603$350$194$104$55$7
47 years$584$334$183$96$50$6
48 years$565$319$172$89$45$5
49 years$547$305$161$82$41$4
50 years$530$291$152$76$37$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $543,000, adding $2,685 every year, while hoping to spend $22,551 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: 40/35/25 Blend
34$543,000$543,000$543,000$543,000
35$601,156$572,377$563,960$620,667
36$638,479$576,429$558,859$639,064
37$678,854$579,924$552,831$656,637
38$722,568$582,811$545,821$675,207
39$769,936$585,035$537,772$694,877
40$821,306$586,538$528,624$715,764
41$877,061$587,260$518,314$737,999
42$937,620$587,134$506,776$761,724
43$1,003,445$586,092$493,942$787,102
44$1,075,045$584,059$479,738$814,309
45$1,152,981$580,959$464,089$843,546
46$1,237,866$576,707$446,918$875,032
47$1,330,379$571,216$428,140$909,012
48$1,431,265$564,393$407,670$945,759
49$1,541,345$556,140$385,418$985,575
50$1,661,522$546,350$361,289$1,028,796
51$1,792,790$534,914$335,185$1,075,793
52$1,936,244$521,715$307,004$1,126,980
53$2,093,089$506,627$276,636$1,182,814
54$2,264,652$489,519$243,971$1,243,803
55$2,452,393$470,252$208,891$1,310,509
56$2,657,921$448,679$171,273$1,383,556
57$2,883,008$424,643$130,989$1,463,634
58$3,129,604$397,979$87,907$1,551,509
59$3,399,857$368,514$41,885$1,648,027
60$3,696,134$336,063$0$1,754,126
61$4,021,040$300,430$0$1,872,771
62$4,377,445$261,410$0$2,015,233
63$4,768,511$218,786$0$2,171,641
64$5,197,719$172,326$0$2,343,443
65$5,668,905$121,789$0$2,532,241
66$6,186,295$66,918$0$2,739,803
67$6,754,541$7,442$0$2,968,082
68$7,378,772$0$0$3,219,231
69$8,064,636$0$0$3,517,553
70$8,818,354$0$0$3,848,616
71$9,646,783$0$0$4,212,574
72$10,557,473$0$0$4,612,755
73$11,558,744$0$0$5,052,824
74$12,659,765$0$0$5,536,823
75$13,870,634$0$0$6,069,200
76$15,202,477$0$0$6,654,860
77$16,667,556$0$0$7,299,206
78$18,279,377$0$0$8,008,189
79$20,052,823$0$0$8,788,369
80$22,004,293$0$0$9,646,973
81$24,151,854$0$0$10,591,964
82$26,515,414$0$0$11,632,115
83$29,116,910$0$0$12,777,094
84$31,980,512$0$0$14,037,554
85$35,132,852$0$0$15,425,233
86$38,603,276$0$0$16,953,064
87$42,424,120$0$0$18,635,299
88$46,631,014$0$0$20,487,642
89$51,263,220$0$0$22,527,398
90$56,364,000$0$0$24,773,635
91$61,981,025$0$0$27,247,364
92$68,166,825$0$0$29,971,738
93$74,979,285$0$0$32,972,270
94$82,482,188$0$0$36,277,074
95$90,745,820$0$0$39,917,129
96$99,847,632$0$0$43,926,573
97$109,872,970$0$0$48,343,025
98$120,915,880$0$0$53,207,936
99$133,079,996$0$0$58,566,988
100$146,479,519$0$0$64,470,515