Can I retire at age 35 with 529,000?

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 $529,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$43,684$43,295$42,916$42,545$42,183$41,484
2 years$21,626$21,223$20,833$20,454$20,087$19,385
3 years$14,274$13,870$13,480$13,105$12,744$12,061
4 years$10,599$10,196$9,810$9,442$9,089$8,430
5 years$8,394$7,993$7,613$7,252$6,910$6,276
6 years$6,925$6,527$6,152$5,800$5,467$4,860
7 years$5,876$5,482$5,113$4,768$4,446$3,866
8 years$5,090$4,699$4,336$4,000$3,689$3,135
9 years$4,478$4,091$3,735$3,407$3,106$2,579
10 years$3,990$3,606$3,256$2,937$2,647$2,145
11 years$3,590$3,210$2,866$2,556$2,276$1,800
12 years$3,257$2,881$2,544$2,242$1,973$1,521
13 years$2,976$2,604$2,273$1,979$1,720$1,293
14 years$2,735$2,367$2,042$1,757$1,508$1,104
15 years$2,526$2,162$1,844$1,567$1,328$946
16 years$2,344$1,984$1,672$1,403$1,173$814
17 years$2,183$1,827$1,521$1,261$1,040$702
18 years$2,040$1,688$1,389$1,136$925$607
19 years$1,913$1,565$1,271$1,027$825$525
20 years$1,798$1,454$1,167$930$737$456
21 years$1,694$1,354$1,073$844$659$396
22 years$1,600$1,264$989$767$591$344
23 years$1,514$1,182$913$699$530$300
24 years$1,436$1,108$845$637$477$261
25 years$1,364$1,040$782$582$429$228
26 years$1,297$977$725$532$386$199
27 years$1,236$920$674$487$348$174
28 years$1,179$866$626$446$314$152
29 years$1,126$817$583$409$284$133
30 years$1,077$772$543$376$256$116
31 years$1,031$730$506$345$232$102
32 years$988$690$472$317$210$89
33 years$947$654$441$292$190$78
34 years$909$620$412$268$172$68
35 years$874$588$385$247$156$60
36 years$840$558$360$227$141$52
37 years$808$530$337$210$128$46
38 years$778$504$316$193$116$40
39 years$750$479$296$178$105$35
40 years$723$456$277$164$95$31
41 years$698$434$260$152$86$27
42 years$673$413$244$140$78$24
43 years$650$394$229$129$71$21
44 years$629$375$215$119$65$18
45 years$608$358$202$110$59$16
46 years$588$341$189$102$53$14
47 years$569$326$178$94$48$12
48 years$551$311$167$87$44$11
49 years$533$297$157$80$40$9
50 years$516$284$148$74$36$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $529,000, adding $5,843 every year, while hoping to spend $34,288 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: 49/26/25 Blend
34$529,000$529,000$529,000$529,000
35$588,985$560,948$552,749$613,421
36$612,579$551,952$534,783$622,088
37$637,431$541,367$515,067$627,608
38$663,632$529,077$493,505$632,918
39$691,283$514,962$469,998$638,012
40$720,494$498,895$444,443$642,890
41$751,382$480,739$416,730$647,549
42$784,080$460,351$386,747$651,993
43$818,728$437,581$354,375$656,227
44$855,482$412,266$319,491$660,257
45$894,513$384,239$281,965$664,098
46$936,006$353,319$241,663$667,765
47$980,164$319,317$198,444$671,280
48$1,027,209$282,032$152,161$674,672
49$1,077,386$241,253$102,660$677,973
50$1,130,961$196,756$49,780$681,226
51$1,188,227$148,305$0$684,481
52$1,249,503$95,650$0$689,572
53$1,315,143$38,527$0$709,083
54$1,385,531$0$0$729,852
55$1,461,090$0$0$758,706
56$1,542,284$0$0$801,596
57$1,629,623$0$0$847,775
58$1,723,667$0$0$897,542
59$1,825,030$0$0$951,230
60$1,934,386$0$0$1,009,202
61$2,052,478$0$0$1,071,856
62$2,180,119$0$0$1,139,632
63$2,318,207$0$0$1,213,012
64$2,467,724$0$0$1,292,527
65$2,629,753$0$0$1,378,760
66$2,805,484$0$0$1,472,352
67$2,996,227$0$0$1,574,009
68$3,203,419$0$0$1,684,506
69$3,428,644$0$0$1,804,697
70$3,673,645$0$0$1,935,521
71$3,940,337$0$0$2,078,012
72$4,230,829$0$0$2,233,306
73$4,547,441$0$0$2,402,656
74$4,892,727$0$0$2,587,438
75$5,269,498$0$0$2,789,169
76$5,680,848$0$0$3,009,518
77$6,130,182$0$0$3,250,321
78$6,621,249$0$0$3,513,602
79$7,158,178$0$0$3,801,588
80$7,745,513$0$0$4,116,731
81$8,388,257$0$0$4,461,731
82$9,091,922$0$0$4,839,562
83$9,862,574$0$0$5,253,497
84$10,706,896$0$0$5,707,143
85$11,632,247$0$0$6,204,471
86$12,646,731$0$0$6,749,856
87$13,759,274$0$0$7,348,114
88$14,979,707$0$0$8,004,553
89$16,318,860$0$0$8,725,017
90$17,788,660$0$0$9,515,944
91$19,402,245$0$0$10,384,426
92$21,174,090$0$0$11,338,276
93$23,120,136$0$0$12,386,100
94$25,257,947$0$0$13,537,378
95$27,606,871$0$0$14,802,556
96$30,188,222$0$0$16,193,139
97$33,025,483$0$0$17,721,804
98$36,144,523$0$0$19,402,518
99$39,573,845$0$0$21,250,666
100$43,344,848$0$0$23,283,203