Can I retire at age 35 with 555,000?

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 $555,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$45,831$45,423$45,025$44,636$44,256$43,204
2 years$22,689$22,266$21,857$21,460$21,075$20,020
3 years$14,976$14,551$14,143$13,749$13,371$12,348
4 years$11,120$10,697$10,292$9,906$9,536$8,552
5 years$8,807$8,386$7,987$7,609$7,249$6,307
6 years$7,265$6,848$6,455$6,085$5,736$4,837
7 years$6,165$5,751$5,364$5,002$4,665$3,809
8 years$5,340$4,930$4,549$4,196$3,870$3,056
9 years$4,698$4,292$3,918$3,574$3,259$2,487
10 years$4,186$3,783$3,416$3,081$2,777$2,046
11 years$3,766$3,368$3,007$2,682$2,388$1,698
12 years$3,417$3,023$2,669$2,352$2,070$1,418
13 years$3,122$2,732$2,385$2,077$1,805$1,191
14 years$2,869$2,483$2,143$1,843$1,582$1,004
15 years$2,650$2,268$1,934$1,644$1,393$850
16 years$2,459$2,081$1,754$1,472$1,231$722
17 years$2,290$1,917$1,596$1,323$1,092$615
18 years$2,140$1,771$1,457$1,192$971$524
19 years$2,007$1,642$1,334$1,077$865$448
20 years$1,886$1,525$1,224$975$773$383
21 years$1,778$1,421$1,126$885$691$329
22 years$1,679$1,326$1,038$805$620$282
23 years$1,589$1,240$958$733$556$242
24 years$1,507$1,162$886$669$500$208
25 years$1,431$1,091$821$611$450$179
26 years$1,361$1,025$761$558$405$154
27 years$1,297$965$707$511$365$133
28 years$1,237$909$657$468$330$114
29 years$1,181$858$611$429$298$98
30 years$1,130$810$570$394$269$85
31 years$1,081$766$531$362$243$73
32 years$1,036$724$495$333$220$63
33 years$994$686$463$306$199$54
34 years$954$650$432$281$180$47
35 years$917$617$404$259$163$40
36 years$881$585$378$239$148$35
37 years$848$556$354$220$134$30
38 years$817$528$331$203$122$26
39 years$787$502$310$187$110$22
40 years$759$478$291$172$100$19
41 years$732$455$273$159$91$17
42 years$707$433$256$147$82$14
43 years$682$413$240$135$75$12
44 years$659$394$225$125$68$11
45 years$637$375$212$115$62$9
46 years$617$358$199$107$56$8
47 years$597$342$187$99$51$7
48 years$578$326$175$91$46$6
49 years$559$311$165$84$42$5
50 years$542$298$155$78$38$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $555,000, adding $4,671 every year, while hoping to spend $24,608 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: 68/13/19 Blend
34$555,000$555,000$555,000$555,000
35$616,428$587,013$578,411$655,162
36$653,121$589,594$571,605$684,218
37$692,732$591,477$563,746$712,682
38$735,532$592,601$554,773$743,217
39$781,821$592,903$544,622$776,023
40$831,926$592,314$533,226$811,326
41$886,208$590,763$520,515$849,372
42$945,063$588,172$506,414$890,433
43$1,008,928$584,462$490,848$934,810
44$1,078,283$579,544$473,736$982,835
45$1,153,655$573,329$454,993$1,034,874
46$1,235,625$565,719$434,532$1,091,333
47$1,324,831$556,611$412,261$1,152,657
48$1,421,975$545,897$388,084$1,219,340
49$1,527,832$533,462$361,900$1,291,926
50$1,643,252$519,183$333,605$1,371,015
51$1,769,172$502,930$303,088$1,457,270
52$1,906,622$484,569$270,237$1,551,423
53$2,056,738$463,953$234,929$1,654,280
54$2,220,768$440,929$197,042$1,766,733
55$2,400,087$415,336$156,444$1,889,764
56$2,596,211$387,002$113,000$2,024,458
57$2,810,805$355,746$66,566$2,172,012
58$3,045,706$321,376$16,995$2,333,746
59$3,302,936$283,691$0$2,511,118
60$3,584,719$242,476$0$2,713,014
61$3,893,509$197,505$0$2,938,077
62$4,232,004$148,540$0$3,184,850
63$4,603,178$95,329$0$3,455,525
64$5,010,307$37,604$0$3,752,522
65$5,456,997$0$0$4,078,503
66$5,947,222$0$0$4,439,971
67$6,485,360$0$0$4,842,705
68$7,076,230$0$0$5,284,939
69$7,725,143$0$0$5,770,651
70$8,437,951$0$0$6,304,226
71$9,221,098$0$0$6,890,491
72$10,081,683$0$0$7,534,767
73$11,027,530$0$0$8,242,916
74$12,067,254$0$0$9,021,392
75$13,210,350$0$0$9,877,311
76$14,467,278$0$0$10,818,509
77$15,849,560$0$0$11,853,622
78$17,369,894$0$0$12,992,162
79$19,042,268$0$0$14,244,611
80$20,882,094$0$0$15,622,519
81$22,906,354$0$0$17,138,610
82$25,133,759$0$0$18,806,903
83$27,584,924$0$0$20,642,847
84$30,282,565$0$0$22,663,463
85$33,251,711$0$0$24,887,506
86$36,519,939$0$0$27,335,641
87$40,117,639$0$0$30,030,639
88$44,078,292$0$0$32,997,589
89$48,438,796$0$0$36,264,138
90$53,239,802$0$0$39,860,751
91$58,526,109$0$0$43,820,995
92$64,347,079$0$0$48,181,859
93$70,757,104$0$0$52,984,101
94$77,816,120$0$0$58,272,634
95$85,590,172$0$0$64,096,949
96$94,152,037$0$0$70,511,579
97$103,581,909$0$0$77,576,619
98$113,968,159$0$0$85,358,289
99$125,408,165$0$0$93,929,557
100$138,009,231$0$0$103,370,834