Can I retire at age 35 with 549,000?

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 $549,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$45,336$44,932$44,538$44,154$43,778$43,106
2 years$22,444$22,026$21,620$21,228$20,847$20,171
3 years$14,814$14,394$13,990$13,601$13,226$12,568
4 years$11,000$10,581$10,181$9,799$9,433$8,798
5 years$8,712$8,296$7,901$7,526$7,171$6,560
6 years$7,187$6,774$6,385$6,019$5,674$5,089
7 years$6,098$5,689$5,306$4,948$4,614$4,054
8 years$5,282$4,876$4,500$4,151$3,828$3,294
9 years$4,648$4,246$3,876$3,536$3,224$2,714
10 years$4,140$3,742$3,379$3,048$2,747$2,262
11 years$3,726$3,332$2,975$2,653$2,362$1,902
12 years$3,380$2,990$2,640$2,327$2,047$1,610
13 years$3,088$2,702$2,359$2,054$1,785$1,371
14 years$2,838$2,456$2,119$1,823$1,565$1,173
15 years$2,622$2,244$1,913$1,626$1,378$1,008
16 years$2,432$2,059$1,735$1,456$1,218$868
17 years$2,265$1,896$1,579$1,308$1,080$750
18 years$2,117$1,752$1,441$1,179$960$650
19 years$1,985$1,624$1,319$1,065$856$564
20 years$1,866$1,509$1,211$965$764$491
21 years$1,758$1,405$1,114$876$684$427
22 years$1,661$1,312$1,026$796$613$372
23 years$1,572$1,227$948$725$550$325
24 years$1,490$1,150$876$661$495$284
25 years$1,415$1,079$812$604$445$248
26 years$1,346$1,014$753$552$401$217
27 years$1,283$954$699$505$362$190
28 years$1,224$899$650$463$326$167
29 years$1,169$848$605$425$295$146
30 years$1,118$801$563$390$266$128
31 years$1,070$757$525$358$241$112
32 years$1,025$717$490$329$218$99
33 years$983$679$458$303$197$87
34 years$944$643$427$278$178$76
35 years$907$610$400$256$162$67
36 years$872$579$374$236$146$59
37 years$839$550$350$217$133$52
38 years$808$523$328$200$120$45
39 years$778$497$307$185$109$40
40 years$751$473$288$170$99$35
41 years$724$450$270$157$90$31
42 years$699$429$253$145$81$27
43 years$675$408$238$134$74$24
44 years$652$389$223$124$67$21
45 years$631$371$209$114$61$18
46 years$610$354$197$106$55$16
47 years$590$338$185$97$50$14
48 years$571$323$174$90$46$12
49 years$553$308$163$83$41$11
50 years$536$294$153$77$38$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $549,000, adding $4,576 every year, while hoping to spend $32,943 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: 50/23/27 Blend
34$549,000$549,000$549,000$549,000
35$609,718$580,621$572,112$635,349
36$636,858$574,020$556,226$647,115
37$665,663$565,992$538,705$656,238
38$696,266$556,432$519,457$665,504
39$728,816$545,228$498,390$674,942
40$763,475$532,264$475,406$684,583
41$800,419$517,414$450,401$694,468
42$839,842$500,547$423,270$704,642
43$881,956$481,524$393,899$715,156
44$926,994$460,197$362,173$726,072
45$975,210$436,411$327,970$737,456
46$1,026,886$409,998$291,160$749,390
47$1,082,326$380,786$251,612$761,961
48$1,141,869$348,590$209,186$775,273
49$1,205,882$313,214$163,737$789,441
50$1,274,773$274,453$115,113$804,598
51$1,348,986$232,087$63,156$820,891
52$1,429,011$185,888$7,700$838,489
53$1,515,385$135,611$0$857,581
54$1,608,699$81,000$0$893,211
55$1,709,600$21,784$0$934,120
56$1,818,804$0$0$978,410
57$1,937,093$0$0$1,037,153
58$2,065,330$0$0$1,106,860
59$2,204,463$0$0$1,182,542
60$2,355,534$0$0$1,264,770
61$2,519,690$0$0$1,354,176
62$2,698,193$0$0$1,451,455
63$2,892,429$0$0$1,557,369
64$3,103,928$0$0$1,672,759
65$3,334,368$0$0$1,798,550
66$3,585,598$0$0$1,935,760
67$3,859,655$0$0$2,085,508
68$4,158,778$0$0$2,249,028
69$4,485,432$0$0$2,427,677
70$4,842,333$0$0$2,622,950
71$5,232,468$0$0$2,836,492
72$5,659,128$0$0$3,070,113
73$6,125,935$0$0$3,325,810
74$6,636,879$0$0$3,605,778
75$7,196,350$0$0$3,912,436
76$7,809,187$0$0$4,248,447
77$8,480,715$0$0$4,616,745
78$9,216,801$0$0$5,020,561
79$10,023,907$0$0$5,463,452
80$10,909,147$0$0$5,949,338
81$11,880,361$0$0$6,482,536
82$12,946,180$0$0$7,067,801
83$14,116,114$0$0$7,710,370
84$15,400,639$0$0$8,416,014
85$16,811,292$0$0$9,191,087
86$18,360,786$0$0$10,042,592
87$20,063,122$0$0$10,978,242
88$21,933,727$0$0$12,006,534
89$23,989,595$0$0$13,136,831
90$26,249,448$0$0$14,379,444
91$28,733,913$0$0$15,745,739
92$31,465,715$0$0$17,248,232
93$34,469,890$0$0$18,900,717
94$37,774,023$0$0$20,718,390
95$41,408,506$0$0$22,717,995
96$45,406,824$0$0$24,917,979
97$49,805,873$0$0$27,338,667
98$54,646,303$0$0$30,002,456
99$59,972,903$0$0$32,934,022
100$65,835,026$0$0$36,160,554