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%16.1%
1 years$45,584$45,178$44,781$44,395$44,017$42,918
2 years$22,566$22,146$21,739$21,344$20,961$19,860
3 years$14,895$14,473$14,066$13,675$13,298$12,231
4 years$11,060$10,639$10,237$9,852$9,484$8,459
5 years$8,759$8,341$7,944$7,567$7,210$6,228
6 years$7,226$6,811$6,420$6,052$5,705$4,769
7 years$6,132$5,720$5,335$4,975$4,640$3,749
8 years$5,311$4,903$4,525$4,174$3,849$3,003
9 years$4,673$4,269$3,897$3,555$3,241$2,439
10 years$4,163$3,763$3,397$3,065$2,762$2,003
11 years$3,746$3,350$2,991$2,667$2,375$1,659
12 years$3,399$3,007$2,655$2,339$2,058$1,383
13 years$3,105$2,717$2,372$2,065$1,795$1,159
14 years$2,854$2,470$2,131$1,833$1,573$975
15 years$2,636$2,256$1,924$1,635$1,385$824
16 years$2,446$2,070$1,744$1,464$1,224$698
17 years$2,278$1,906$1,587$1,315$1,086$593
18 years$2,129$1,762$1,449$1,185$965$505
19 years$1,996$1,633$1,326$1,071$860$430
20 years$1,876$1,517$1,217$970$769$368
21 years$1,768$1,413$1,120$880$688$314
22 years$1,670$1,319$1,032$801$616$269
23 years$1,580$1,234$953$729$553$230
24 years$1,498$1,156$881$665$497$198
25 years$1,423$1,085$816$607$448$170
26 years$1,354$1,020$757$555$403$146
27 years$1,290$960$703$508$363$125
28 years$1,230$904$653$466$328$107
29 years$1,175$853$608$427$296$92
30 years$1,124$806$566$392$268$79
31 years$1,076$761$528$360$242$68
32 years$1,031$721$493$331$219$59
33 years$989$682$460$304$198$50
34 years$949$647$430$280$179$43
35 years$912$613$402$258$162$37
36 years$877$582$376$237$147$32
37 years$844$553$352$219$133$28
38 years$812$526$330$202$121$24
39 years$783$500$309$186$110$21
40 years$755$475$289$171$99$18
41 years$728$453$271$158$90$15
42 years$703$431$255$146$82$13
43 years$679$411$239$135$74$11
44 years$656$391$224$124$67$10
45 years$634$373$210$115$61$8
46 years$613$356$198$106$56$7
47 years$593$340$186$98$50$6
48 years$574$324$175$91$46$5
49 years$556$310$164$84$42$5
50 years$539$296$154$77$38$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $552,000, adding $2,766 every year, while hoping to spend $35,143 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: 26/48/26 Blend
34$552,000$552,000$552,000$552,000
35$611,157$581,901$573,345$622,004
36$636,103$573,022$555,160$622,158
37$662,416$562,531$535,188$619,117
38$690,198$550,310$513,333$615,123
39$719,560$536,237$489,491$610,117
40$750,625$520,182$463,559$604,041
41$783,524$502,007$435,424$596,834
42$818,405$481,566$404,971$588,433
43$855,424$458,705$372,080$578,774
44$894,755$433,260$336,623$567,790
45$936,589$405,059$298,468$555,412
46$981,133$373,918$257,479$541,572
47$1,028,614$339,646$213,510$526,199
48$1,079,282$302,038$166,412$509,222
49$1,133,409$260,877$116,027$490,566
50$1,191,294$215,938$62,191$470,161
51$1,253,265$166,978$4,733$447,932
52$1,319,681$113,743$0$423,806
53$1,390,938$55,965$0$413,410
54$1,467,467$0$0$403,396
55$1,549,743$0$0$395,940
56$1,638,289$0$0$419,795
57$1,733,676$0$0$445,563
58$1,836,533$0$0$473,422
59$1,947,551$0$0$503,568
60$2,067,490$0$0$536,218
61$2,197,183$0$0$571,609
62$2,337,547$0$0$610,001
63$2,489,590$0$0$651,682
64$2,654,420$0$0$696,968
65$2,833,256$0$0$746,205
66$3,027,439$0$0$799,777
67$3,238,441$0$0$858,102
68$3,467,885$0$0$921,644
69$3,717,554$0$0$990,913
70$3,989,412$0$0$1,066,467
71$4,285,619$0$0$1,148,924
72$4,608,551$0$0$1,238,962
73$4,960,825$0$0$1,337,329
74$5,345,320$0$0$1,444,847
75$5,765,206$0$0$1,562,422
76$6,223,973$0$0$1,691,051
77$6,725,461$0$0$1,831,832
78$7,273,900$0$0$1,985,973
79$7,873,947$0$0$2,154,807
80$8,530,730$0$0$2,339,799
81$9,249,893$0$0$2,542,565
82$10,037,656$0$0$2,764,882
83$10,900,865$0$0$3,008,708
84$11,847,062$0$0$3,276,203
85$12,884,551$0$0$3,569,740
86$14,022,481$0$0$3,891,939
87$15,270,926$0$0$4,245,681
88$16,640,985$0$0$4,634,143
89$18,144,880$0$0$5,060,824
90$19,796,079$0$0$5,529,577
91$21,609,413$0$0$6,044,647
92$23,601,222$0$0$6,610,714
93$25,789,506$0$0$7,232,929
94$28,194,096$0$0$7,916,969
95$30,836,837$0$0$8,669,089
96$33,741,796$0$0$9,496,180
97$36,935,488$0$0$10,405,834
98$40,447,126$0$0$11,406,415
99$44,308,894$0$0$12,507,141
100$48,556,252$0$0$13,718,164