Can I retire at age 35 with 552,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%12.1%
1 years$45,584$45,178$44,781$44,395$44,017$43,630
2 years$22,566$22,146$21,739$21,344$20,961$20,571
3 years$14,895$14,473$14,066$13,675$13,298$12,917
4 years$11,060$10,639$10,237$9,852$9,484$9,116
5 years$8,759$8,341$7,944$7,567$7,210$6,854
6 years$7,226$6,811$6,420$6,052$5,705$5,363
7 years$6,132$5,720$5,335$4,975$4,640$4,311
8 years$5,311$4,903$4,525$4,174$3,849$3,534
9 years$4,673$4,269$3,897$3,555$3,241$2,940
10 years$4,163$3,763$3,397$3,065$2,762$2,474
11 years$3,746$3,350$2,991$2,667$2,375$2,101
12 years$3,399$3,007$2,655$2,339$2,058$1,797
13 years$3,105$2,717$2,372$2,065$1,795$1,546
14 years$2,854$2,470$2,131$1,833$1,573$1,337
15 years$2,636$2,256$1,924$1,635$1,385$1,161
16 years$2,446$2,070$1,744$1,464$1,224$1,012
17 years$2,278$1,906$1,587$1,315$1,086$884
18 years$2,129$1,762$1,449$1,185$965$775
19 years$1,996$1,633$1,326$1,071$860$680
20 years$1,876$1,517$1,217$970$769$599
21 years$1,768$1,413$1,120$880$688$527
22 years$1,670$1,319$1,032$801$616$466
23 years$1,580$1,234$953$729$553$411
24 years$1,498$1,156$881$665$497$364
25 years$1,423$1,085$816$607$448$322
26 years$1,354$1,020$757$555$403$286
27 years$1,290$960$703$508$363$253
28 years$1,230$904$653$466$328$225
29 years$1,175$853$608$427$296$200
30 years$1,124$806$566$392$268$177
31 years$1,076$761$528$360$242$158
32 years$1,031$721$493$331$219$140
33 years$989$682$460$304$198$125
34 years$949$647$430$280$179$111
35 years$912$613$402$258$162$99
36 years$877$582$376$237$147$88
37 years$844$553$352$219$133$78
38 years$812$526$330$202$121$70
39 years$783$500$309$186$110$62
40 years$755$475$289$171$99$55
41 years$728$453$271$158$90$49
42 years$703$431$255$146$82$44
43 years$679$411$239$135$74$39
44 years$656$391$224$124$67$35
45 years$634$373$210$115$61$31
46 years$613$356$198$106$56$28
47 years$593$340$186$98$50$25
48 years$574$324$175$91$46$22
49 years$556$310$164$84$42$20
50 years$539$296$154$77$38$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $552,000, adding $4,577 every year, while hoping to spend $33,788 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: 56/33/11 Blend
34$552,000$552,000$552,000$552,000
35$613,025$583,769$575,213$645,423
36$639,604$576,424$558,533$660,517
37$667,761$567,586$540,161$672,832
38$697,621$557,147$520,006$685,445
39$729,323$544,991$497,970$698,388
40$763,016$530,998$473,954$711,702
41$798,863$515,036$447,851$725,430
42$837,044$496,970$419,551$739,623
43$877,756$476,655$388,939$754,339
44$921,213$453,937$355,895$769,645
45$967,651$428,654$320,292$785,615
46$1,017,330$400,636$281,999$802,335
47$1,070,531$369,701$240,880$819,902
48$1,127,566$335,657$196,790$838,425
49$1,188,775$298,302$149,580$858,026
50$1,254,533$257,422$99,094$878,846
51$1,325,250$212,790$45,168$901,041
52$1,401,377$164,168$0$924,787
53$1,483,409$111,304$0$951,735
54$1,571,889$53,931$0$986,407
55$1,667,416$0$0$1,023,767
56$1,770,645$0$0$1,067,106
57$1,882,297$0$0$1,135,203
58$2,003,166$0$0$1,208,962
59$2,134,124$0$0$1,288,920
60$2,276,128$0$0$1,375,669
61$2,430,232$0$0$1,469,857
62$2,597,596$0$0$1,572,199
63$2,779,495$0$0$1,683,482
64$2,977,332$0$0$1,804,569
65$3,192,649$0$0$1,936,412
66$3,427,144$0$0$2,080,058
67$3,682,687$0$0$2,236,659
68$3,961,334$0$0$2,407,484
69$4,265,347$0$0$2,593,927
70$4,597,218$0$0$2,797,524
71$4,959,690$0$0$3,019,968
72$5,355,780$0$0$3,263,120
73$5,788,814$0$0$3,529,029
74$6,262,449$0$0$3,819,953
75$6,780,715$0$0$4,138,376
76$7,348,048$0$0$4,487,035
77$7,969,334$0$0$4,868,944
78$8,649,952$0$0$5,287,421
79$9,395,827$0$0$5,746,120
80$10,213,484$0$0$6,249,067
81$11,110,109$0$0$6,800,696
82$12,093,619$0$0$7,405,888
83$13,172,729$0$0$8,070,023
84$14,357,045$0$0$8,799,025
85$15,657,142$0$0$9,599,420
86$17,084,673$0$0$10,478,397
87$18,652,474$0$0$11,443,873
88$20,374,682$0$0$12,504,574
89$22,266,875$0$0$13,670,109
90$24,346,212$0$0$14,951,066
91$26,631,597$0$0$16,359,108
92$29,143,857$0$0$17,907,087
93$31,905,936$0$0$19,609,159
94$34,943,113$0$0$21,480,921
95$38,283,239$0$0$23,539,560
96$41,957,001$0$0$25,804,009
97$45,998,205$0$0$28,295,130
98$50,444,102$0$0$31,035,906
99$55,335,734$0$0$34,051,665
100$60,718,322$0$0$37,370,308