Can I retire at age 35 with 503,000?

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 $503,000?

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$41,537$41,167$40,806$40,454$40,110$39,462
2 years$20,563$20,180$19,809$19,449$19,100$18,449
3 years$13,572$13,188$12,818$12,461$12,118$11,484
4 years$10,078$9,694$9,328$8,978$8,643$8,031
5 years$7,982$7,601$7,239$6,896$6,570$5,982
6 years$6,585$6,206$5,850$5,514$5,199$4,635
7 years$5,587$5,212$4,861$4,534$4,228$3,689
8 years$4,839$4,468$4,123$3,803$3,507$2,993
9 years$4,258$3,890$3,551$3,240$2,954$2,464
10 years$3,793$3,429$3,096$2,793$2,517$2,051
11 years$3,413$3,053$2,726$2,430$2,164$1,722
12 years$3,097$2,740$2,419$2,132$1,876$1,456
13 years$2,829$2,476$2,161$1,882$1,636$1,238
14 years$2,600$2,251$1,942$1,671$1,434$1,058
15 years$2,402$2,056$1,753$1,490$1,262$907
16 years$2,228$1,886$1,589$1,334$1,116$781
17 years$2,076$1,737$1,446$1,199$989$674
18 years$1,940$1,605$1,320$1,080$880$583
19 years$1,819$1,488$1,209$976$784$505
20 years$1,710$1,382$1,109$884$700$439
21 years$1,611$1,288$1,020$802$627$381
22 years$1,522$1,202$940$729$562$332
23 years$1,440$1,124$868$664$504$289
24 years$1,365$1,053$803$606$453$252
25 years$1,297$989$744$553$408$220
26 years$1,234$929$690$506$367$193
27 years$1,175$874$641$463$331$168
28 years$1,121$824$595$424$299$147
29 years$1,071$777$554$389$270$129
30 years$1,024$734$516$357$244$113
31 years$980$694$481$328$220$99
32 years$939$657$449$301$199$87
33 years$901$622$419$277$180$76
34 years$865$589$392$255$163$66
35 years$831$559$366$235$148$58
36 years$799$531$343$216$134$51
37 years$769$504$321$199$122$45
38 years$740$479$300$184$110$39
39 years$713$455$281$169$100$34
40 years$688$433$264$156$91$30
41 years$663$412$247$144$82$27
42 years$640$393$232$133$75$23
43 years$618$374$218$123$68$20
44 years$598$357$204$113$61$18
45 years$578$340$192$105$56$16
46 years$559$324$180$97$51$14
47 years$541$310$169$89$46$12
48 years$523$296$159$83$42$11
49 years$507$282$149$76$38$9
50 years$491$270$141$71$34$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $503,000, adding $2,152 every year, while hoping to spend $39,971 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: 46/46/8 Blend
34$503,000$503,000$503,000$503,000
35$556,526$529,867$522,070$580,801
36$570,763$513,301$497,031$581,182
37$585,112$494,585$469,813$577,271
38$599,543$473,569$440,301$572,105
39$614,021$450,098$408,376$565,581
40$628,505$424,007$373,910$557,590
41$642,950$395,121$336,774$548,013
42$657,303$363,255$296,828$536,722
43$671,508$328,213$253,932$523,584
44$685,496$289,791$207,933$508,451
45$699,195$247,768$158,677$491,169
46$712,520$201,916$105,999$471,571
47$725,377$151,990$49,731$449,477
48$737,661$97,734$0$424,695
49$749,255$38,875$0$397,900
50$760,026$0$0$372,578
51$769,828$0$0$356,849
52$778,497$0$0$360,192
53$785,849$0$0$362,834
54$791,681$0$0$364,671
55$795,768$0$0$365,588
56$797,856$0$0$365,456
57$797,665$0$0$364,131
58$794,887$0$0$361,456
59$789,174$0$0$357,253
60$780,144$0$0$351,328
61$767,374$0$0$343,464
62$750,392$0$0$333,421
63$728,677$0$0$320,934
64$701,653$0$0$305,708
65$668,679$0$0$287,419
66$629,049$0$0$265,706
67$581,981$0$0$240,171
68$526,607$0$0$210,374
69$461,971$0$0$175,826
70$387,014$0$0$135,991
71$300,566$0$0$90,272
72$201,333$0$0$38,014
73$87,888$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