Can I retire at age 35 with 559,000?

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 $559,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$46,162$45,751$45,349$44,958$44,575$42,807
2 years$22,852$22,427$22,014$21,614$21,226$19,467
3 years$15,084$14,656$14,245$13,849$13,467$11,771
4 years$11,200$10,774$10,366$9,977$9,605$7,986
5 years$8,870$8,447$8,045$7,663$7,301$5,764
6 years$7,318$6,897$6,501$6,128$5,777$4,322
7 years$6,209$5,792$5,403$5,039$4,698$3,325
8 years$5,378$4,965$4,582$4,227$3,898$2,604
9 years$4,732$4,323$3,946$3,600$3,283$2,067
10 years$4,216$3,811$3,441$3,103$2,797$1,657
11 years$3,793$3,392$3,029$2,701$2,405$1,339
12 years$3,442$3,045$2,688$2,369$2,084$1,088
13 years$3,144$2,752$2,402$2,092$1,818$889
14 years$2,890$2,501$2,158$1,857$1,593$729
15 years$2,669$2,285$1,948$1,656$1,403$599
16 years$2,477$2,096$1,766$1,483$1,240$494
17 years$2,307$1,931$1,607$1,332$1,099$408
18 years$2,156$1,784$1,467$1,200$978$338
19 years$2,021$1,653$1,343$1,085$871$280
20 years$1,900$1,536$1,233$982$778$232
21 years$1,790$1,431$1,134$892$696$193
22 years$1,691$1,336$1,045$811$624$160
23 years$1,600$1,249$965$738$560$133
24 years$1,517$1,171$892$673$504$111
25 years$1,441$1,099$827$615$453$92
26 years$1,371$1,032$767$562$408$77
27 years$1,306$972$712$515$368$64
28 years$1,246$916$662$472$332$53
29 years$1,190$864$616$432$300$44
30 years$1,138$816$574$397$271$37
31 years$1,089$771$535$364$245$31
32 years$1,044$730$499$335$222$26
33 years$1,001$691$466$308$201$21
34 years$961$655$435$283$182$18
35 years$923$621$407$261$164$15
36 years$888$590$381$240$149$12
37 years$854$560$356$221$135$10
38 years$823$532$334$204$122$9
39 years$793$506$313$188$111$7
40 years$764$481$293$174$101$6
41 years$737$458$275$160$91$5
42 years$712$436$258$148$83$4
43 years$687$416$242$136$75$3
44 years$664$396$227$126$68$3
45 years$642$378$213$116$62$2
46 years$621$361$200$107$56$2
47 years$601$344$188$99$51$2
48 years$582$329$177$92$46$1
49 years$563$314$166$85$42$1
50 years$546$300$156$78$38$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $559,000, adding $5,538 every year, while hoping to spend $45,550 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: 31/42/27 Blend
34$559,000$559,000$559,000$559,000
35$621,730$592,103$583,439$635,720
36$636,682$572,652$554,519$627,506
37$651,632$550,720$523,104$614,278
38$666,532$526,139$489,062$599,136
39$681,328$498,729$452,255$581,943
40$695,958$468,301$412,539$562,555
41$710,351$434,654$369,765$540,817
42$724,430$397,574$323,775$516,566
43$738,106$356,840$274,406$489,628
44$751,280$312,212$221,486$459,815
45$763,841$263,441$164,836$426,931
46$775,665$210,262$104,271$390,764
47$786,614$152,396$39,595$351,089
48$796,532$89,547$0$307,668
49$805,246$21,403$0$268,721
50$812,565$0$0$238,223
51$818,274$0$0$228,730
52$822,134$0$0$228,448
53$823,880$0$0$227,393
54$823,218$0$0$225,464
55$819,820$0$0$222,547
56$813,324$0$0$218,516
57$803,326$0$0$213,232
58$789,381$0$0$206,540
59$770,992$0$0$198,269
60$747,613$0$0$188,231
61$718,635$0$0$176,216
62$683,387$0$0$161,992
63$641,123$0$0$145,303
64$591,022$0$0$125,865
65$532,173$0$0$103,366
66$463,568$0$0$77,458
67$384,095$0$0$47,760
68$292,522$0$0$13,848
69$187,491$0$0$0
70$67,498$0$0$0
71$0$0$0$0
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0