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%13.9%
1 years$45,831$45,423$45,025$44,636$44,256$43,541
2 years$22,689$22,266$21,857$21,460$21,075$20,356
3 years$14,976$14,551$14,143$13,749$13,371$12,671
4 years$11,120$10,697$10,292$9,906$9,536$8,861
5 years$8,807$8,386$7,987$7,609$7,249$6,600
6 years$7,265$6,848$6,455$6,085$5,736$5,114
7 years$6,165$5,751$5,364$5,002$4,665$4,070
8 years$5,340$4,930$4,549$4,196$3,870$3,302
9 years$4,698$4,292$3,918$3,574$3,259$2,718
10 years$4,186$3,783$3,416$3,081$2,777$2,263
11 years$3,766$3,368$3,007$2,682$2,388$1,900
12 years$3,417$3,023$2,669$2,352$2,070$1,606
13 years$3,122$2,732$2,385$2,077$1,805$1,366
14 years$2,869$2,483$2,143$1,843$1,582$1,167
15 years$2,650$2,268$1,934$1,644$1,393$1,001
16 years$2,459$2,081$1,754$1,472$1,231$862
17 years$2,290$1,917$1,596$1,323$1,092$744
18 years$2,140$1,771$1,457$1,192$971$643
19 years$2,007$1,642$1,334$1,077$865$557
20 years$1,886$1,525$1,224$975$773$484
21 years$1,778$1,421$1,126$885$691$421
22 years$1,679$1,326$1,038$805$620$366
23 years$1,589$1,240$958$733$556$319
24 years$1,507$1,162$886$669$500$279
25 years$1,431$1,091$821$611$450$243
26 years$1,361$1,025$761$558$405$212
27 years$1,297$965$707$511$365$186
28 years$1,237$909$657$468$330$162
29 years$1,181$858$611$429$298$142
30 years$1,130$810$570$394$269$124
31 years$1,081$766$531$362$243$109
32 years$1,036$724$495$333$220$95
33 years$994$686$463$306$199$84
34 years$954$650$432$281$180$73
35 years$917$617$404$259$163$64
36 years$881$585$378$239$148$56
37 years$848$556$354$220$134$49
38 years$817$528$331$203$122$43
39 years$787$502$310$187$110$38
40 years$759$478$291$172$100$33
41 years$732$455$273$159$91$29
42 years$707$433$256$147$82$26
43 years$682$413$240$135$75$23
44 years$659$394$225$125$68$20
45 years$637$375$212$115$62$17
46 years$617$358$199$107$56$15
47 years$597$342$187$99$51$13
48 years$578$326$175$91$46$12
49 years$559$311$165$84$42$10
50 years$542$298$155$78$38$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $555,000, adding $2,196 every year, while hoping to spend $20,415 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: 44/50/6 Blend
34$555,000$555,000$555,000$555,000
35$613,875$584,460$575,858$639,752
36$654,769$591,377$573,428$664,771
37$699,150$597,949$570,232$689,588
38$747,352$604,137$566,223$716,007
39$799,742$609,901$561,352$744,183
40$856,726$615,195$555,567$774,285
41$918,747$619,975$548,814$806,501
42$986,295$624,190$541,035$841,040
43$1,059,909$627,787$532,171$878,129
44$1,140,181$630,710$522,161$918,025
45$1,227,765$632,900$510,938$961,008
46$1,323,377$634,292$498,435$1,007,388
47$1,427,809$634,820$484,580$1,057,509
48$1,541,930$634,411$469,298$1,111,751
49$1,666,699$632,990$452,512$1,170,533
50$1,803,171$630,474$434,139$1,234,320
51$1,952,506$626,779$414,095$1,303,624
52$2,115,984$621,814$392,289$1,379,013
53$2,295,013$615,481$368,630$1,461,112
54$2,491,143$607,679$343,018$1,550,614
55$2,706,084$598,299$315,353$1,648,284
56$2,941,714$587,226$285,527$1,754,967
57$3,200,107$574,338$253,430$1,871,598
58$3,483,543$559,506$218,946$1,999,206
59$3,794,537$542,593$181,952$2,138,933
60$4,135,855$523,456$142,323$2,292,036
61$4,510,547$501,940$99,926$2,459,905
62$4,921,972$477,885$54,623$2,644,077
63$5,373,831$451,118$6,270$2,846,246
64$5,870,197$421,459$0$3,068,284
65$6,415,563$388,716$0$3,315,161
66$7,014,874$352,687$0$3,586,873
67$7,673,580$313,158$0$3,885,550
68$8,397,685$269,902$0$4,213,982
69$9,193,802$222,680$0$4,575,253
70$10,069,219$171,241$0$4,972,763
71$11,031,964$115,317$0$5,410,266
72$12,090,884$54,626$0$5,891,902
73$13,255,724$0$0$6,422,241
74$14,537,222$0$0$7,012,448
75$15,947,209$0$0$7,694,977
76$17,498,721$0$0$8,446,093
77$19,206,122$0$0$9,272,759
78$21,085,237$0$0$10,182,647
79$23,153,505$0$0$11,184,212
80$25,430,140$0$0$12,286,770
81$27,936,314$0$0$13,500,584
82$30,695,355$0$0$14,836,964
83$33,732,968$0$0$16,308,374
84$37,077,478$0$0$17,928,546
85$40,760,097$0$0$19,712,613
86$44,815,215$0$0$21,677,247
87$49,280,729$0$0$23,840,824
88$54,198,399$0$0$26,223,589
89$59,614,238$0$0$28,847,853
90$65,578,952$0$0$31,738,200
91$72,148,415$0$0$34,921,720
92$79,384,196$0$0$38,428,265
93$87,354,141$0$0$42,290,730
94$96,133,012$0$0$46,545,365
95$105,803,193$0$0$51,232,112
96$116,455,469$0$0$56,394,991
97$128,189,877$0$0$62,082,505
98$141,116,658$0$0$68,348,105
99$155,357,290$0$0$75,250,692
100$171,045,638$0$0$82,855,171