Can I retire at age 35 with 556,000?

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 $556,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$45,914$45,505$45,106$44,717$44,336$43,388
2 years$22,730$22,306$21,896$21,498$21,112$20,162
3 years$15,003$14,577$14,168$13,774$13,395$12,471
4 years$11,140$10,716$10,311$9,924$9,553$8,664
5 years$8,823$8,401$8,002$7,622$7,262$6,410
6 years$7,279$6,860$6,467$6,096$5,746$4,932
7 years$6,176$5,761$5,374$5,011$4,673$3,896
8 years$5,349$4,939$4,557$4,204$3,877$3,138
9 years$4,707$4,300$3,925$3,581$3,265$2,563
10 years$4,193$3,790$3,422$3,087$2,782$2,116
11 years$3,773$3,374$3,013$2,686$2,393$1,762
12 years$3,423$3,028$2,674$2,356$2,073$1,478
13 years$3,128$2,737$2,389$2,080$1,808$1,246
14 years$2,874$2,488$2,146$1,847$1,585$1,055
15 years$2,655$2,273$1,938$1,647$1,395$897
16 years$2,463$2,085$1,757$1,475$1,233$765
17 years$2,294$1,920$1,599$1,325$1,094$654
18 years$2,144$1,774$1,459$1,194$972$560
19 years$2,010$1,644$1,336$1,079$867$481
20 years$1,890$1,528$1,226$977$774$414
21 years$1,781$1,423$1,128$887$693$356
22 years$1,682$1,329$1,039$806$621$307
23 years$1,592$1,243$960$734$557$265
24 years$1,509$1,164$888$670$501$229
25 years$1,433$1,093$822$612$451$198
26 years$1,364$1,027$762$559$406$171
27 years$1,299$966$708$512$366$148
28 years$1,239$911$658$469$330$128
29 years$1,184$859$613$430$298$111
30 years$1,132$811$571$395$270$96
31 years$1,083$767$532$363$244$83
32 years$1,038$726$496$333$220$72
33 years$996$687$463$306$199$62
34 years$956$651$433$282$181$54
35 years$918$618$405$260$164$47
36 years$883$586$379$239$148$41
37 years$850$557$354$220$134$35
38 years$818$529$332$203$122$31
39 years$788$503$311$187$110$27
40 years$760$479$291$173$100$23
41 years$733$456$273$159$91$20
42 years$708$434$256$147$82$17
43 years$684$414$241$136$75$15
44 years$661$394$226$125$68$13
45 years$639$376$212$116$62$11
46 years$618$359$199$107$56$10
47 years$598$342$187$99$51$9
48 years$579$327$176$91$46$7
49 years$560$312$165$84$42$6
50 years$543$298$155$78$38$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $556,000, adding $2,698 every year, while hoping to spend $26,830 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: 37/45/18 Blend
34$556,000$556,000$556,000$556,000
35$615,495$586,027$577,409$634,828
36$649,729$586,195$568,205$649,216
37$686,555$585,473$557,794$662,013
38$726,210$583,787$546,106$675,273
39$768,953$581,062$533,071$689,053
40$815,068$577,217$518,611$703,416
41$864,870$572,165$502,649$718,435
42$918,701$565,816$485,102$734,192
43$976,940$558,072$465,885$750,779
44$1,040,002$548,832$444,906$768,301
45$1,108,344$537,987$422,072$786,875
46$1,182,468$525,421$397,285$806,634
47$1,262,927$511,013$370,440$827,725
48$1,350,327$494,635$341,432$850,318
49$1,445,338$476,149$310,147$874,597
50$1,548,694$455,412$276,469$900,774
51$1,661,204$432,271$240,274$929,083
52$1,783,758$406,563$201,434$959,787
53$1,917,336$378,119$159,817$993,180
54$2,063,015$346,758$115,282$1,029,590
55$2,221,982$312,289$67,683$1,069,385
56$2,395,543$274,509$16,869$1,112,973
57$2,585,134$233,207$0$1,160,809
58$2,792,340$188,155$0$1,220,578
59$3,018,901$139,118$0$1,289,594
60$3,266,736$85,842$0$1,365,277
61$3,537,958$28,062$0$1,448,363
62$3,834,891$0$0$1,539,667
63$4,160,098$0$0$1,657,178
64$4,516,399$0$0$1,801,225
65$4,906,899$0$0$1,959,179
66$5,335,020$0$0$2,132,431
67$5,804,529$0$0$2,322,519
68$6,319,576$0$0$2,531,131
69$6,884,732$0$0$2,760,131
70$7,505,031$0$0$3,011,570
71$8,186,020$0$0$3,287,707
72$8,933,807$0$0$3,591,033
73$9,755,122$0$0$3,924,290
74$10,657,378$0$0$4,290,498
75$11,648,742$0$0$4,692,986
76$12,738,212$0$0$5,135,421
77$13,935,698$0$0$5,621,842
78$15,252,120$0$0$6,156,701
79$16,699,509$0$0$6,744,900
80$18,291,120$0$0$7,391,843
81$20,041,555$0$0$8,103,481
82$21,966,904$0$0$8,886,372
83$24,084,894$0$0$9,747,743
84$26,415,056$0$0$10,695,555
85$28,978,909$0$0$11,738,581
86$31,800,165$0$0$12,886,486
87$34,904,950$0$0$14,149,920
88$38,322,050$0$0$15,540,618
89$42,083,182$0$0$17,071,510
90$46,223,298$0$0$18,756,845
91$50,780,905$0$0$20,612,321
92$55,798,438$0$0$22,655,238
93$61,322,652$0$0$24,904,656
94$67,405,068$0$0$27,381,581
95$74,102,457$0$0$30,109,156
96$81,477,375$0$0$33,112,886
97$89,598,753$0$0$36,420,873
98$98,542,549$0$0$40,064,084
99$108,392,461$0$0$44,076,644
100$119,240,718$0$0$48,496,155