Can I retire at age 35 with 543,000?

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 $543,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$44,840$44,441$44,051$43,671$43,300$42,973
2 years$22,198$21,785$21,384$20,996$20,619$20,289
3 years$14,652$14,237$13,837$13,452$13,081$12,759
4 years$10,879$10,465$10,070$9,691$9,330$9,018
5 years$8,616$8,205$7,815$7,444$7,092$6,791
6 years$7,108$6,700$6,315$5,953$5,612$5,322
7 years$6,032$5,627$5,248$4,894$4,564$4,286
8 years$5,224$4,823$4,451$4,106$3,786$3,519
9 years$4,597$4,199$3,833$3,497$3,189$2,933
10 years$4,095$3,702$3,342$3,015$2,717$2,473
11 years$3,685$3,295$2,942$2,624$2,337$2,103
12 years$3,343$2,958$2,611$2,301$2,025$1,802
13 years$3,054$2,673$2,333$2,032$1,766$1,554
14 years$2,807$2,430$2,096$1,803$1,548$1,346
15 years$2,593$2,219$1,893$1,608$1,363$1,171
16 years$2,406$2,036$1,716$1,440$1,204$1,023
17 years$2,241$1,875$1,561$1,294$1,068$896
18 years$2,094$1,733$1,425$1,166$950$787
19 years$1,963$1,606$1,305$1,054$846$692
20 years$1,845$1,492$1,198$954$756$610
21 years$1,739$1,390$1,101$866$677$539
22 years$1,643$1,298$1,015$787$606$477
23 years$1,555$1,214$937$717$544$422
24 years$1,474$1,137$867$654$489$374
25 years$1,400$1,067$803$597$440$332
26 years$1,332$1,003$745$546$397$295
27 years$1,269$944$691$500$358$262
28 years$1,210$889$643$458$323$233
29 years$1,156$839$598$420$291$208
30 years$1,105$792$557$386$263$185
31 years$1,058$749$519$354$238$165
32 years$1,014$709$485$325$215$147
33 years$972$671$453$299$195$131
34 years$934$636$423$275$176$117
35 years$897$603$395$253$160$104
36 years$862$573$370$233$145$93
37 years$830$544$346$215$131$83
38 years$799$517$324$198$119$74
39 years$770$492$304$183$108$66
40 years$742$468$285$169$98$59
41 years$716$445$267$156$89$53
42 years$691$424$250$144$81$47
43 years$668$404$235$133$73$42
44 years$645$385$221$122$66$38
45 years$624$367$207$113$60$34
46 years$603$350$194$104$55$30
47 years$584$334$183$96$50$27
48 years$565$319$172$89$45$24
49 years$547$305$161$82$41$22
50 years$530$291$152$76$37$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $543,000, adding $2,070 every year, while hoping to spend $31,209 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: 54/38/8 Blend
34$543,000$543,000$543,000$543,000
35$600,521$571,742$563,326$631,679
36$628,568$566,551$548,991$647,814
37$658,430$560,060$533,130$661,765
38$690,259$552,172$515,659$676,199
39$724,221$542,785$496,489$691,168
40$760,500$531,789$475,530$706,728
41$799,295$519,071$452,684$722,946
42$840,825$504,508$427,851$739,895
43$885,332$487,971$400,927$757,658
44$933,079$469,324$371,801$776,329
45$984,355$448,424$340,358$796,014
46$1,039,479$425,116$306,480$816,831
47$1,098,799$399,240$270,040$838,913
48$1,162,698$370,625$230,909$862,408
49$1,231,598$339,089$188,948$887,485
50$1,305,960$304,444$144,017$914,331
51$1,386,292$266,486$95,966$943,154
52$1,473,152$225,002$44,639$974,190
53$1,567,154$179,768$0$1,007,701
54$1,668,972$130,545$0$1,044,844
55$1,779,348$77,082$0$1,089,204
56$1,899,096$19,114$0$1,137,344
57$2,029,114$0$0$1,189,688
58$2,170,387$0$0$1,264,952
59$2,324,001$0$0$1,355,527
60$2,491,149$0$0$1,454,129
61$2,673,144$0$0$1,561,539
62$2,871,431$0$0$1,678,616
63$3,087,600$0$0$1,806,305
64$3,323,403$0$0$1,945,648
65$3,580,764$0$0$2,097,789
66$3,861,805$0$0$2,263,990
67$4,168,861$0$0$2,445,639
68$4,504,500$0$0$2,644,263
69$4,871,552$0$0$2,861,546
70$5,273,133$0$0$3,099,340
71$5,712,673$0$0$3,359,686
72$6,193,948$0$0$3,644,829
73$6,721,119$0$0$3,957,244
74$7,298,767$0$0$4,299,656
75$7,931,935$0$0$4,675,066
76$8,626,180$0$0$5,086,778
77$9,387,622$0$0$5,538,432
78$10,223,000$0$0$6,034,038
79$11,139,739$0$0$6,578,013
80$12,146,016$0$0$7,175,221
81$13,250,839$0$0$7,831,021
82$14,464,130$0$0$8,551,317
83$15,796,822$0$0$9,342,611
84$17,260,954$0$0$10,212,067
85$18,869,792$0$0$11,167,578
86$20,637,952$0$0$12,217,838
87$22,581,531$0$0$13,372,427
88$24,718,269$0$0$14,641,897
89$27,067,707$0$0$16,037,876
90$29,651,375$0$0$17,573,173
91$32,492,995$0$0$19,261,903
92$35,618,700$0$0$21,119,616
93$39,057,287$0$0$23,163,446
94$42,840,483$0$0$25,412,269
95$47,003,245$0$0$27,886,885
96$51,584,088$0$0$30,610,214
97$56,625,453$0$0$33,607,506
98$62,174,100$0$0$36,906,586
99$68,281,554$0$0$40,538,113
100$75,004,588$0$0$44,535,867