Can I retire at age 35 with 552,000?

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 $552,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$45,584$45,178$44,781$44,395$44,017$43,023
2 years$22,566$22,146$21,739$21,344$20,961$19,964
3 years$14,895$14,473$14,066$13,675$13,298$12,331
4 years$11,060$10,639$10,237$9,852$9,484$8,554
5 years$8,759$8,341$7,944$7,567$7,210$6,318
6 years$7,226$6,811$6,420$6,052$5,705$4,853
7 years$6,132$5,720$5,335$4,975$4,640$3,828
8 years$5,311$4,903$4,525$4,174$3,849$3,077
9 years$4,673$4,269$3,897$3,555$3,241$2,509
10 years$4,163$3,763$3,397$3,065$2,762$2,068
11 years$3,746$3,350$2,991$2,667$2,375$1,719
12 years$3,399$3,007$2,655$2,339$2,058$1,438
13 years$3,105$2,717$2,372$2,065$1,795$1,210
14 years$2,854$2,470$2,131$1,833$1,573$1,023
15 years$2,636$2,256$1,924$1,635$1,385$868
16 years$2,446$2,070$1,744$1,464$1,224$738
17 years$2,278$1,906$1,587$1,315$1,086$630
18 years$2,129$1,762$1,449$1,185$965$539
19 years$1,996$1,633$1,326$1,071$860$461
20 years$1,876$1,517$1,217$970$769$396
21 years$1,768$1,413$1,120$880$688$340
22 years$1,670$1,319$1,032$801$616$292
23 years$1,580$1,234$953$729$553$252
24 years$1,498$1,156$881$665$497$217
25 years$1,423$1,085$816$607$448$187
26 years$1,354$1,020$757$555$403$161
27 years$1,290$960$703$508$363$139
28 years$1,230$904$653$466$328$120
29 years$1,175$853$608$427$296$104
30 years$1,124$806$566$392$268$90
31 years$1,076$761$528$360$242$77
32 years$1,031$721$493$331$219$67
33 years$989$682$460$304$198$58
34 years$949$647$430$280$179$50
35 years$912$613$402$258$162$43
36 years$877$582$376$237$147$37
37 years$844$553$352$219$133$32
38 years$812$526$330$202$121$28
39 years$783$500$309$186$110$24
40 years$755$475$289$171$99$21
41 years$728$453$271$158$90$18
42 years$703$431$255$146$82$16
43 years$679$411$239$135$74$14
44 years$656$391$224$124$67$12
45 years$634$373$210$115$61$10
46 years$613$356$198$106$56$9
47 years$593$340$186$98$50$8
48 years$574$324$175$91$46$7
49 years$556$310$164$84$42$6
50 years$539$296$154$77$38$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $552,000, adding $2,607 every year, while hoping to spend $49,601 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: 56/18/26 Blend
34$552,000$552,000$552,000$552,000
35$610,993$581,737$573,181$640,718
36$620,539$557,467$539,608$637,146
37$629,397$530,346$503,247$627,844
38$637,443$500,180$463,953$616,684
39$644,541$466,768$421,575$603,500
40$650,539$429,894$375,952$588,115
41$655,266$389,331$326,919$570,338
42$658,534$344,840$274,302$549,960
43$660,134$296,166$217,920$526,756
44$659,831$243,041$157,583$500,479
45$657,366$185,183$93,095$470,864
46$652,452$122,292$24,249$437,621
47$644,771$54,052$0$400,436
48$633,967$0$0$372,623
49$619,650$0$0$352,157
50$601,384$0$0$339,933
51$578,689$0$0$324,944
52$551,031$0$0$306,863
53$517,822$0$0$285,324
54$478,410$0$0$259,923
55$432,072$0$0$230,214
56$378,010$0$0$195,705
57$315,343$0$0$155,848
58$243,096$0$0$110,042
59$160,190$0$0$57,620
60$65,436$0$0$0
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