Can I retire at age 35 with 522,000?

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 $522,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$43,106$42,722$42,348$41,982$41,625$40,244
2 years$21,340$20,942$20,557$20,184$19,821$18,444
3 years$14,085$13,686$13,302$12,932$12,576$11,244
4 years$10,459$10,061$9,680$9,317$8,969$7,694
5 years$8,283$7,888$7,512$7,156$6,818$5,603
6 years$6,833$6,441$6,071$5,723$5,395$4,241
7 years$5,798$5,409$5,045$4,705$4,388$3,294
8 years$5,022$4,637$4,279$3,947$3,640$2,606
9 years$4,419$4,037$3,685$3,362$3,065$2,091
10 years$3,937$3,558$3,213$2,898$2,612$1,694
11 years$3,542$3,168$2,829$2,522$2,246$1,384
12 years$3,214$2,843$2,510$2,212$1,947$1,138
13 years$2,936$2,569$2,243$1,953$1,697$940
14 years$2,699$2,336$2,015$1,734$1,488$780
15 years$2,493$2,134$1,819$1,546$1,310$649
16 years$2,313$1,958$1,650$1,384$1,158$542
17 years$2,154$1,803$1,501$1,244$1,027$453
18 years$2,013$1,666$1,370$1,121$913$380
19 years$1,887$1,544$1,254$1,013$814$319
20 years$1,774$1,435$1,151$917$727$268
21 years$1,672$1,336$1,059$833$650$225
22 years$1,579$1,247$976$757$583$190
23 years$1,494$1,167$901$689$523$160
24 years$1,417$1,093$833$629$470$135
25 years$1,346$1,026$772$574$423$114
26 years$1,280$964$716$525$381$96
27 years$1,220$907$665$481$344$81
28 years$1,163$855$618$440$310$68
29 years$1,111$807$575$404$280$58
30 years$1,063$762$536$371$253$49
31 years$1,017$720$499$340$229$41
32 years$975$681$466$313$207$35
33 years$935$645$435$288$187$30
34 years$897$612$406$265$170$25
35 years$862$580$380$244$154$21
36 years$829$551$356$224$139$18
37 years$798$523$333$207$126$15
38 years$768$497$312$191$114$13
39 years$740$473$292$176$104$11
40 years$714$450$274$162$94$9
41 years$688$428$257$150$85$8
42 years$665$408$241$138$77$7
43 years$642$388$226$127$70$6
44 years$620$370$212$118$64$5
45 years$600$353$199$109$58$4
46 years$580$337$187$100$53$3
47 years$561$321$176$93$48$3
48 years$543$307$165$86$43$2
49 years$526$293$155$79$39$2
50 years$510$280$146$73$36$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $522,000, adding $6,179 every year, while hoping to spend $37,036 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: 40/48/12 Blend
34$522,000$522,000$522,000$522,000
35$581,618$553,952$545,861$602,565
36$601,537$541,689$524,741$605,680
37$622,246$527,585$501,672$604,931
38$643,787$511,509$476,551$603,304
39$666,205$493,324$449,267$600,736
40$689,548$472,886$419,707$597,161
41$713,865$450,042$387,751$592,510
42$739,214$424,628$353,275$586,711
43$765,653$396,474$316,149$579,688
44$793,247$365,399$276,237$571,359
45$822,065$331,210$233,397$561,643
46$852,180$293,704$187,481$550,451
47$883,676$252,668$138,335$537,692
48$916,637$207,876$85,795$523,271
49$951,160$159,087$29,695$507,088
50$987,346$106,051$0$489,040
51$1,025,307$48,499$0$472,882
52$1,065,164$0$0$458,947
53$1,107,047$0$0$450,652
54$1,151,099$0$0$468,894
55$1,197,476$0$0$488,124
56$1,246,345$0$0$508,414
57$1,297,890$0$0$529,845
58$1,352,312$0$0$552,503
59$1,409,830$0$0$576,483
60$1,470,681$0$0$601,890
61$1,535,126$0$0$628,836
62$1,603,449$0$0$657,446
63$1,675,961$0$0$687,854
64$1,753,001$0$0$720,210
65$1,834,942$0$0$754,675
66$1,922,189$0$0$791,427
67$2,015,188$0$0$830,661
68$2,114,426$0$0$872,590
69$2,220,438$0$0$917,447
70$2,333,808$0$0$965,489
71$2,455,180$0$0$1,016,997
72$2,585,256$0$0$1,072,280
73$2,724,808$0$0$1,131,674
74$2,874,684$0$0$1,195,553
75$3,035,814$0$0$1,264,324
76$3,209,219$0$0$1,338,434
77$3,396,019$0$0$1,418,375
78$3,597,446$0$0$1,504,688
79$3,814,851$0$0$1,597,967
80$4,049,722$0$0$1,698,864
81$4,303,691$0$0$1,808,096
82$4,578,552$0$0$1,926,453
83$4,876,281$0$0$2,054,801
84$5,199,044$0$0$2,194,093
85$5,549,230$0$0$2,345,379
86$5,929,461$0$0$2,509,812
87$6,342,622$0$0$2,688,661
88$6,791,890$0$0$2,883,322
89$7,280,756$0$0$3,095,332
90$7,813,063$0$0$3,326,382
91$8,393,040$0$0$3,578,331
92$9,025,341$0$0$3,853,227
93$9,715,087$0$0$4,153,325
94$10,467,915$0$0$4,481,106
95$11,290,032$0$0$4,839,301
96$12,188,268$0$0$5,230,917
97$13,170,143$0$0$5,659,265
98$14,243,938$0$0$6,127,990
99$15,418,769$0$0$6,641,107
100$16,704,674$0$0$7,203,037