Can I retire at age 35 with 536,000?

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 $536,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$44,262$43,868$43,483$43,108$42,741$41,111
2 years$21,912$21,504$21,108$20,725$20,353$18,729
3 years$14,463$14,053$13,659$13,279$12,913$11,347
4 years$10,739$10,331$9,940$9,567$9,210$7,714
5 years$8,505$8,099$7,714$7,348$7,001$5,579
6 years$7,017$6,614$6,234$5,876$5,540$4,193
7 years$5,954$5,554$5,180$4,831$4,505$3,233
8 years$5,157$4,761$4,393$4,053$3,737$2,538
9 years$4,538$4,145$3,784$3,452$3,147$2,020
10 years$4,042$3,654$3,299$2,976$2,682$1,623
11 years$3,637$3,253$2,904$2,590$2,306$1,315
12 years$3,300$2,920$2,578$2,272$1,999$1,072
13 years$3,015$2,638$2,303$2,005$1,743$878
14 years$2,771$2,398$2,069$1,780$1,528$722
15 years$2,559$2,191$1,868$1,588$1,345$595
16 years$2,375$2,010$1,694$1,422$1,189$492
17 years$2,212$1,851$1,541$1,277$1,054$408
18 years$2,067$1,711$1,407$1,151$937$338
19 years$1,938$1,585$1,288$1,040$835$281
20 years$1,822$1,473$1,182$942$746$234
21 years$1,717$1,372$1,087$855$668$195
22 years$1,621$1,281$1,002$777$599$162
23 years$1,534$1,198$925$708$537$135
24 years$1,455$1,122$856$646$483$113
25 years$1,382$1,053$793$590$435$94
26 years$1,315$990$735$539$391$79
27 years$1,252$932$683$494$353$66
28 years$1,195$878$635$452$318$55
29 years$1,141$828$590$415$288$46
30 years$1,091$782$550$381$260$38
31 years$1,044$739$513$349$235$32
32 years$1,001$700$478$321$212$27
33 years$960$663$447$295$192$22
34 years$921$628$417$272$174$19
35 years$885$596$390$250$158$16
36 years$851$565$365$230$143$13
37 years$819$537$342$212$130$11
38 years$789$510$320$196$117$9
39 years$760$485$300$180$106$8
40 years$733$462$281$166$97$6
41 years$707$439$263$154$88$5
42 years$682$419$247$142$79$5
43 years$659$399$232$131$72$4
44 years$637$380$218$121$65$3
45 years$616$362$204$112$59$3
46 years$595$346$192$103$54$2
47 years$576$330$180$95$49$2
48 years$558$315$169$88$45$2
49 years$540$301$159$81$40$1
50 years$523$287$150$75$37$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $536,000, adding $3,802 every year, while hoping to spend $23,486 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: 68/24/8 Blend
34$536,000$536,000$536,000$536,000
35$594,594$566,186$557,878$633,904
36$630,253$568,940$551,578$663,222
37$668,763$571,042$544,280$692,071
38$710,389$572,435$535,925$722,992
39$755,423$573,059$526,453$756,183
40$804,187$572,849$515,800$791,863
41$857,033$571,738$503,898$830,275
42$914,351$569,654$490,679$871,686
43$976,567$566,519$476,069$916,390
44$1,044,151$562,252$459,991$964,713
45$1,117,619$556,768$442,366$1,017,014
46$1,197,541$549,974$423,110$1,073,689
47$1,284,542$541,774$402,136$1,135,175
48$1,379,309$532,065$379,352$1,201,955
49$1,482,601$520,739$354,662$1,274,560
50$1,595,250$507,679$327,967$1,353,579
51$1,718,175$492,764$299,163$1,439,659
52$1,852,384$475,865$268,140$1,533,516
53$1,998,990$456,845$234,786$1,635,938
54$2,159,216$435,559$198,980$1,747,797
55$2,334,409$411,855$160,599$1,870,054
56$2,526,053$385,570$119,513$2,003,769
57$2,735,781$356,534$75,588$2,150,112
58$2,965,392$324,565$28,681$2,310,373
59$3,216,865$289,472$0$2,485,975
60$3,492,382$251,053$0$2,680,316
61$3,794,346$209,095$0$2,896,033
62$4,125,400$163,372$0$3,132,603
63$4,488,459$113,645$0$3,392,147
64$4,886,731$59,663$0$3,677,008
65$5,323,751$1,160$0$3,989,767
66$5,803,412$0$0$4,333,271
67$6,330,003$0$0$4,727,070
68$6,908,247$0$0$5,159,867
69$7,543,349$0$0$5,635,255
70$8,241,041$0$0$6,157,528
71$9,007,637$0$0$6,731,418
72$9,850,096$0$0$7,362,139
73$10,776,081$0$0$8,055,433
74$11,794,037$0$0$8,817,627
75$12,913,267$0$0$9,655,692
76$14,144,020$0$0$10,577,307
77$15,497,587$0$0$11,590,935
78$16,986,412$0$0$12,705,896
79$18,624,200$0$0$13,932,464
80$20,426,057$0$0$15,281,954
81$22,408,621$0$0$16,766,836
82$24,590,229$0$0$18,400,849
83$26,991,082$0$0$20,199,131
84$29,633,441$0$0$22,178,362
85$32,541,833$0$0$24,356,920
86$35,743,282$0$0$26,755,056
87$39,267,568$0$0$29,395,085
88$43,147,504$0$0$32,301,594
89$47,419,244$0$0$35,501,675
90$52,122,628$0$0$39,025,182
91$57,301,556$0$0$42,905,011
92$63,004,401$0$0$47,177,409
93$69,284,466$0$0$51,882,318
94$76,200,486$0$0$57,063,751
95$83,817,184$0$0$62,770,208
96$92,205,879$0$0$69,055,130
97$101,445,161$0$0$75,977,410
98$111,621,628$0$0$83,601,939
99$122,830,711$0$0$92,000,228
100$135,177,567$0$0$101,251,076