Can I retire at age 35 with 555,000?

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 $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%14.2%
1 years$45,831$45,423$45,025$44,636$44,256$43,488
2 years$22,689$22,266$21,857$21,460$21,075$20,302
3 years$14,976$14,551$14,143$13,749$13,371$12,619
4 years$11,120$10,697$10,292$9,906$9,536$8,811
5 years$8,807$8,386$7,987$7,609$7,249$6,553
6 years$7,265$6,848$6,455$6,085$5,736$5,069
7 years$6,165$5,751$5,364$5,002$4,665$4,028
8 years$5,340$4,930$4,549$4,196$3,870$3,262
9 years$4,698$4,292$3,918$3,574$3,259$2,681
10 years$4,186$3,783$3,416$3,081$2,777$2,227
11 years$3,766$3,368$3,007$2,682$2,388$1,866
12 years$3,417$3,023$2,669$2,352$2,070$1,575
13 years$3,122$2,732$2,385$2,077$1,805$1,337
14 years$2,869$2,483$2,143$1,843$1,582$1,140
15 years$2,650$2,268$1,934$1,644$1,393$976
16 years$2,459$2,081$1,754$1,472$1,231$838
17 years$2,290$1,917$1,596$1,323$1,092$722
18 years$2,140$1,771$1,457$1,192$971$623
19 years$2,007$1,642$1,334$1,077$865$539
20 years$1,886$1,525$1,224$975$773$467
21 years$1,778$1,421$1,126$885$691$405
22 years$1,679$1,326$1,038$805$620$352
23 years$1,589$1,240$958$733$556$306
24 years$1,507$1,162$886$669$500$266
25 years$1,431$1,091$821$611$450$232
26 years$1,361$1,025$761$558$405$202
27 years$1,297$965$707$511$365$176
28 years$1,237$909$657$468$330$154
29 years$1,181$858$611$429$298$134
30 years$1,130$810$570$394$269$117
31 years$1,081$766$531$362$243$102
32 years$1,036$724$495$333$220$89
33 years$994$686$463$306$199$78
34 years$954$650$432$281$180$68
35 years$917$617$404$259$163$60
36 years$881$585$378$239$148$52
37 years$848$556$354$220$134$46
38 years$817$528$331$203$122$40
39 years$787$502$310$187$110$35
40 years$759$478$291$172$100$31
41 years$732$455$273$159$91$27
42 years$707$433$256$147$82$23
43 years$682$413$240$135$75$21
44 years$659$394$225$125$68$18
45 years$637$375$212$115$62$16
46 years$617$358$199$107$56$14
47 years$597$342$187$99$51$12
48 years$578$326$175$91$46$11
49 years$559$311$165$84$42$9
50 years$542$298$155$78$38$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $555,000, adding $6,079 every year, while hoping to spend $20,010 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: 73/12/15 Blend
34$555,000$555,000$555,000$555,000
35$617,880$588,465$579,863$660,494
36$659,614$596,010$577,998$697,080
37$704,933$603,253$575,400$734,104
38$754,184$610,160$572,023$774,129
39$807,744$616,691$567,819$817,447
40$866,031$622,806$562,738$864,382
41$929,505$628,462$556,728$915,289
42$998,669$633,612$549,734$970,560
43$1,074,081$638,206$541,697$1,030,627
44$1,156,351$642,192$532,558$1,095,966
45$1,246,153$645,514$522,253$1,167,103
46$1,344,229$648,112$510,717$1,244,615
47$1,451,394$649,923$497,879$1,329,141
48$1,568,546$650,880$483,668$1,421,383
49$1,696,675$650,910$468,008$1,522,116
50$1,836,869$649,938$450,820$1,632,196
51$1,990,328$647,883$432,020$1,752,562
52$2,158,371$644,659$411,523$1,884,255
53$2,342,454$640,176$389,238$2,028,417
54$2,544,176$634,337$365,070$2,186,310
55$2,765,303$627,040$338,920$2,359,325
56$3,007,775$618,176$310,685$2,548,994
57$3,273,732$607,631$280,258$2,757,008
58$3,565,531$595,283$247,524$2,985,230
59$3,885,767$581,004$212,368$3,235,712
60$4,237,297$564,655$174,664$3,510,718
61$4,623,272$546,094$134,286$3,812,744
62$5,047,161$525,167$91,100$4,144,540
63$5,512,784$501,713$44,964$4,509,139
64$6,024,351$475,560$0$4,909,882
65$6,586,499$446,527$0$5,351,138
66$7,204,339$414,424$0$5,844,009
67$7,883,497$379,046$0$6,385,793
68$8,630,175$340,181$0$6,981,452
69$9,451,206$297,602$0$7,636,452
70$10,354,115$251,071$0$8,356,819
71$11,347,196$200,335$0$9,149,192
72$12,439,585$145,127$0$10,020,887
73$13,641,350$85,165$0$10,979,968
74$14,963,582$20,152$0$12,035,320
75$16,418,502$0$0$13,196,734
76$18,019,576$0$0$14,481,634
77$19,781,641$0$0$15,898,691
78$21,721,045$0$0$17,458,396
79$23,855,800$0$0$19,175,239
80$26,205,756$0$0$21,065,187
81$28,792,782$0$0$23,145,833
82$31,640,977$0$0$25,436,562
83$34,776,895$0$0$27,958,737
84$38,229,796$0$0$30,735,894
85$42,031,921$0$0$33,793,970
86$46,218,796$0$0$37,161,545
87$50,829,572$0$0$40,870,111
88$55,907,384$0$0$44,954,370
89$61,499,770$0$0$49,452,563
90$67,659,108$0$0$54,406,825
91$74,443,120$0$0$59,863,591
92$81,915,408$0$0$65,874,026
93$90,146,060$0$0$72,494,512
94$99,212,311$0$0$79,787,180
95$109,199,267$0$0$87,820,494
96$120,200,713$0$0$96,669,900
97$132,319,994$0$0$106,418,533
98$145,670,994$0$0$117,158,009
99$160,379,209$0$0$128,989,283
100$176,582,929$0$0$142,023,602