Can I retire at age 35 with 546,000?

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 $546,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$45,088$44,687$44,295$43,912$43,539$41,977
2 years$22,321$21,905$21,502$21,112$20,733$19,176
3 years$14,733$14,315$13,913$13,526$13,154$11,652
4 years$10,939$10,523$10,125$9,745$9,381$7,945
5 years$8,664$8,250$7,858$7,485$7,132$5,764
6 years$7,148$6,737$6,350$5,986$5,643$4,346
7 years$6,065$5,658$5,277$4,921$4,589$3,362
8 years$5,253$4,850$4,475$4,128$3,807$2,649
9 years$4,622$4,223$3,855$3,516$3,206$2,116
10 years$4,118$3,722$3,361$3,031$2,732$1,707
11 years$3,705$3,313$2,959$2,638$2,349$1,388
12 years$3,362$2,974$2,626$2,314$2,036$1,136
13 years$3,071$2,688$2,346$2,043$1,775$934
14 years$2,823$2,443$2,108$1,813$1,556$771
15 years$2,607$2,232$1,903$1,617$1,370$639
16 years$2,419$2,048$1,725$1,448$1,211$530
17 years$2,253$1,886$1,570$1,301$1,074$441
18 years$2,106$1,742$1,433$1,173$955$368
19 years$1,974$1,615$1,312$1,059$851$307
20 years$1,856$1,501$1,204$960$760$257
21 years$1,749$1,398$1,108$871$680$215
22 years$1,652$1,305$1,021$792$610$180
23 years$1,563$1,220$943$721$547$151
24 years$1,482$1,143$872$658$492$126
25 years$1,408$1,073$807$601$443$106
26 years$1,339$1,008$749$549$399$89
27 years$1,276$949$695$503$360$75
28 years$1,217$894$646$461$324$63
29 years$1,162$844$602$422$293$53
30 years$1,111$797$560$388$265$44
31 years$1,064$753$522$356$239$37
32 years$1,019$713$487$327$216$31
33 years$978$675$455$301$196$26
34 years$939$640$425$277$177$22
35 years$902$607$397$255$161$19
36 years$867$576$372$235$146$16
37 years$834$547$348$216$132$13
38 years$803$520$326$199$120$11
39 years$774$494$305$184$108$9
40 years$746$470$286$170$98$8
41 years$720$448$268$156$89$7
42 years$695$426$252$144$81$6
43 years$671$406$236$133$73$5
44 years$649$387$222$123$67$4
45 years$627$369$208$114$61$3
46 years$607$352$196$105$55$3
47 years$587$336$184$97$50$2
48 years$568$321$173$90$45$2
49 years$550$306$162$83$41$2
50 years$533$293$153$77$37$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $546,000, adding $5,954 every year, while hoping to spend $38,536 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: 40/33/27 Blend
34$546,000$546,000$546,000$546,000
35$607,834$578,896$570,433$627,100
36$628,831$566,259$548,540$628,985
37$650,678$551,713$524,623$626,990
38$673,421$535,121$498,572$624,091
39$697,110$516,342$470,274$620,226
40$721,798$495,225$439,610$615,336
41$747,541$471,611$406,458$609,355
42$774,403$445,332$370,686$602,216
43$802,448$416,210$332,160$593,849
44$831,749$384,056$290,739$584,182
45$862,384$348,671$246,276$573,139
46$894,436$309,845$198,615$560,640
47$927,997$267,355$147,596$546,604
48$963,164$220,966$93,052$530,947
49$1,000,043$170,431$34,806$513,581
50$1,038,752$115,486$0$494,414
51$1,079,415$55,856$0$481,233
52$1,122,170$0$0$477,275
53$1,167,163$0$0$475,639
54$1,214,558$0$0$495,307
55$1,264,530$0$0$516,073
56$1,317,271$0$0$538,019
57$1,372,990$0$0$561,237
58$1,431,915$0$0$585,826
59$1,494,295$0$0$611,894
60$1,560,402$0$0$639,560
61$1,630,533$0$0$668,953
62$1,705,013$0$0$700,216
63$1,784,197$0$0$733,503
64$1,868,474$0$0$768,983
65$1,958,269$0$0$806,844
66$2,054,049$0$0$847,288
67$2,156,323$0$0$890,540
68$2,265,652$0$0$936,842
69$2,382,647$0$0$986,466
70$2,507,982$0$0$1,039,703
71$2,642,393$0$0$1,096,879
72$2,786,691$0$0$1,158,346
73$2,941,762$0$0$1,224,496
74$3,108,581$0$0$1,295,754
75$3,288,219$0$0$1,372,592
76$3,481,850$0$0$1,455,524
77$3,690,766$0$0$1,545,117
78$3,916,386$0$0$1,641,994
79$4,160,267$0$0$1,746,840
80$4,424,123$0$0$1,860,407
81$4,709,837$0$0$1,983,522
82$5,019,479$0$0$2,117,097
83$5,355,325$0$0$2,262,130
84$5,719,880$0$0$2,419,723
85$6,115,895$0$0$2,591,086
86$6,546,401$0$0$2,777,552
87$7,014,729$0$0$2,980,585
88$7,524,545$0$0$3,201,800
89$8,079,884$0$0$3,442,970
90$8,685,183$0$0$3,706,049
91$9,345,330$0$0$3,993,186
92$10,065,700$0$0$4,306,749
93$10,852,214$0$0$4,649,343
94$11,711,385$0$0$5,023,835
95$12,650,389$0$0$5,433,383
96$13,677,120$0$0$5,881,465
97$14,800,274$0$0$6,371,908
98$16,029,425$0$0$6,908,928
99$17,375,114$0$0$7,497,167
100$18,848,950$0$0$8,141,738