Can I retire at age 35 with 554,000?

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 $554,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$45,749$45,341$44,944$44,556$44,177$43,752
2 years$22,648$22,226$21,817$21,421$21,037$20,608
3 years$14,949$14,525$14,117$13,725$13,346$12,929
4 years$11,100$10,677$10,274$9,888$9,519$9,114
5 years$8,791$8,371$7,973$7,595$7,236$6,846
6 years$7,252$6,836$6,443$6,074$5,726$5,351
7 years$6,154$5,741$5,354$4,993$4,656$4,297
8 years$5,330$4,921$4,541$4,189$3,863$3,518
9 years$4,690$4,284$3,911$3,568$3,253$2,924
10 years$4,178$3,777$3,410$3,076$2,772$2,457
11 years$3,760$3,362$3,002$2,677$2,384$2,084
12 years$3,411$3,018$2,664$2,348$2,066$1,780
13 years$3,116$2,727$2,380$2,073$1,801$1,530
14 years$2,864$2,479$2,139$1,840$1,579$1,321
15 years$2,645$2,264$1,931$1,641$1,390$1,146
16 years$2,454$2,078$1,751$1,469$1,229$997
17 years$2,286$1,913$1,593$1,320$1,090$870
18 years$2,137$1,768$1,454$1,190$969$761
19 years$2,003$1,639$1,331$1,075$864$668
20 years$1,883$1,523$1,222$974$771$586
21 years$1,774$1,418$1,124$884$690$516
22 years$1,676$1,324$1,036$803$619$455
23 years$1,586$1,238$956$732$555$401
24 years$1,504$1,160$884$667$499$354
25 years$1,428$1,089$819$609$449$313
26 years$1,359$1,023$760$557$405$277
27 years$1,294$963$705$510$365$245
28 years$1,235$907$656$467$329$218
29 years$1,179$856$610$429$297$193
30 years$1,128$808$568$393$269$171
31 years$1,080$764$530$361$243$152
32 years$1,034$723$494$332$220$135
33 years$992$685$462$305$199$120
34 years$952$649$431$281$180$106
35 years$915$616$403$259$163$94
36 years$880$584$377$238$148$84
37 years$847$555$353$219$134$75
38 years$815$527$331$202$121$66
39 years$786$502$310$186$110$59
40 years$757$477$290$172$100$52
41 years$731$454$272$159$91$47
42 years$705$433$255$146$82$42
43 years$681$412$240$135$75$37
44 years$658$393$225$125$68$33
45 years$636$375$211$115$61$29
46 years$615$357$198$106$56$26
47 years$596$341$186$98$51$23
48 years$577$326$175$91$46$21
49 years$558$311$165$84$42$18
50 years$541$297$155$78$38$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $554,000, adding $5,590 every year, while hoping to spend $32,010 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: 73/6/21 Blend
34$554,000$554,000$554,000$554,000
35$616,274$586,912$578,325$657,738
36$645,076$581,612$563,641$680,750
37$675,742$574,980$547,391$701,566
38$708,430$566,916$529,491$723,563
39$743,310$557,316$509,850$746,852
40$780,571$546,068$488,373$771,557
41$820,418$533,053$464,962$797,815
42$863,077$518,149$439,514$825,777
43$908,794$501,222$411,921$855,610
44$957,842$482,132$382,071$887,499
45$1,010,517$460,733$349,846$921,650
46$1,067,148$436,866$315,124$958,288
47$1,128,091$410,367$277,775$997,664
48$1,193,742$381,060$237,666$1,040,056
49$1,264,532$348,761$194,656$1,085,768
50$1,340,938$313,274$148,601$1,135,139
51$1,423,481$274,391$99,346$1,188,544
52$1,512,735$231,895$46,733$1,246,396
53$1,609,330$185,555$0$1,309,151
54$1,713,961$135,126$0$1,379,425
55$1,827,389$80,351$0$1,466,977
56$1,950,453$20,958$0$1,561,983
57$2,084,074$0$0$1,665,164
58$2,229,267$0$0$1,780,180
59$2,387,147$0$0$1,906,773
60$2,558,942$0$0$2,044,547
61$2,746,001$0$0$2,194,587
62$2,949,811$0$0$2,358,088
63$3,172,006$0$0$2,536,366
64$3,414,387$0$0$2,730,867
65$3,678,934$0$0$2,943,184
66$3,967,827$0$0$3,175,072
67$4,283,468$0$0$3,428,460
68$4,628,498$0$0$3,705,474
69$5,005,826$0$0$4,008,454
70$5,418,656$0$0$4,339,976
71$5,870,516$0$0$4,702,876
72$6,365,289$0$0$5,100,280
73$6,907,252$0$0$5,535,627
74$7,501,115$0$0$6,012,705
75$8,152,066$0$0$6,535,688
76$8,865,818$0$0$7,109,169
77$9,648,663$0$0$7,738,212
78$10,507,532$0$0$8,428,389
79$11,450,059$0$0$9,185,843
80$12,484,653$0$0$10,017,336
81$13,620,576$0$0$10,930,320
82$14,868,031$0$0$11,933,001
83$16,238,259$0$0$13,034,420
84$17,743,642$0$0$14,244,539
85$19,397,819$0$0$15,574,329
86$21,215,818$0$0$17,035,878
87$23,214,196$0$0$18,642,504
88$25,411,190$0$0$20,408,877
89$27,826,896$0$0$22,351,164
90$30,483,453$0$0$24,487,172
91$33,405,251$0$0$26,836,522
92$36,619,167$0$0$29,420,834
93$40,154,810$0$0$32,263,925
94$44,044,803$0$0$35,392,041
95$48,325,093$0$0$38,834,095
96$53,035,286$0$0$42,621,949
97$58,219,021$0$0$46,790,708
98$63,924,382$0$0$51,379,052
99$70,204,351$0$0$56,429,601
100$77,117,307$0$0$61,989,317