Can I retire at age 35 with 549,000?

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 $549,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$45,336$44,932$44,538$44,154$43,778$42,754
2 years$22,444$22,026$21,620$21,228$20,847$19,821
3 years$14,814$14,394$13,990$13,601$13,226$12,231
4 years$11,000$10,581$10,181$9,799$9,433$8,476
5 years$8,712$8,296$7,901$7,526$7,171$6,254
6 years$7,187$6,774$6,385$6,019$5,674$4,799
7 years$6,098$5,689$5,306$4,948$4,614$3,781
8 years$5,282$4,876$4,500$4,151$3,828$3,036
9 years$4,648$4,246$3,876$3,536$3,224$2,472
10 years$4,140$3,742$3,379$3,048$2,747$2,035
11 years$3,726$3,332$2,975$2,653$2,362$1,689
12 years$3,380$2,990$2,640$2,327$2,047$1,412
13 years$3,088$2,702$2,359$2,054$1,785$1,186
14 years$2,838$2,456$2,119$1,823$1,565$1,001
15 years$2,622$2,244$1,913$1,626$1,378$848
16 years$2,432$2,059$1,735$1,456$1,218$721
17 years$2,265$1,896$1,579$1,308$1,080$614
18 years$2,117$1,752$1,441$1,179$960$524
19 years$1,985$1,624$1,319$1,065$856$448
20 years$1,866$1,509$1,211$965$764$384
21 years$1,758$1,405$1,114$876$684$329
22 years$1,661$1,312$1,026$796$613$283
23 years$1,572$1,227$948$725$550$243
24 years$1,490$1,150$876$661$495$209
25 years$1,415$1,079$812$604$445$180
26 years$1,346$1,014$753$552$401$155
27 years$1,283$954$699$505$362$133
28 years$1,224$899$650$463$326$115
29 years$1,169$848$605$425$295$99
30 years$1,118$801$563$390$266$86
31 years$1,070$757$525$358$241$74
32 years$1,025$717$490$329$218$64
33 years$983$679$458$303$197$55
34 years$944$643$427$278$178$47
35 years$907$610$400$256$162$41
36 years$872$579$374$236$146$35
37 years$839$550$350$217$133$31
38 years$808$523$328$200$120$26
39 years$778$497$307$185$109$23
40 years$751$473$288$170$99$20
41 years$724$450$270$157$90$17
42 years$699$429$253$145$81$15
43 years$675$408$238$134$74$13
44 years$652$389$223$124$67$11
45 years$631$371$209$114$61$9
46 years$610$354$197$106$55$8
47 years$590$338$185$97$50$7
48 years$571$323$174$90$46$6
49 years$553$308$163$83$41$5
50 years$536$294$153$77$38$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $549,000, adding $4,424 every year, while hoping to spend $27,996 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: 60/20/20 Blend
34$549,000$549,000$549,000$549,000
35$609,561$580,464$571,955$642,692
36$641,949$579,120$561,328$664,297
37$676,702$576,771$549,406$684,392
38$714,032$573,339$536,118$705,683
39$754,171$568,740$521,386$728,290
40$797,375$562,887$505,130$752,348
41$843,923$555,684$487,268$778,005
42$894,123$547,033$467,712$805,426
43$948,314$536,827$446,370$834,792
44$1,006,866$524,956$423,148$866,307
45$1,070,188$511,301$397,945$900,194
46$1,138,728$495,736$370,657$936,704
47$1,212,981$478,128$341,176$976,111
48$1,293,486$458,339$309,387$1,018,721
49$1,380,843$436,218$275,172$1,064,874
50$1,475,705$411,609$238,407$1,114,943
51$1,578,795$384,345$198,961$1,169,345
52$1,690,905$354,252$156,700$1,228,540
53$1,812,910$321,143$111,482$1,293,037
54$1,945,770$284,822$63,160$1,363,399
55$2,090,542$245,081$11,579$1,440,250
56$2,248,388$201,701$0$1,524,280
57$2,420,591$154,452$0$1,625,528
58$2,608,558$103,087$0$1,738,804
59$2,813,842$47,349$0$1,862,604
60$3,038,150$0$0$1,998,001
61$3,283,362$0$0$2,149,045
62$3,551,548$0$0$2,325,680
63$3,844,987$0$0$2,518,990
64$4,166,190$0$0$2,730,635
65$4,517,919$0$0$2,962,441
66$4,903,219$0$0$3,216,419
67$5,325,439$0$0$3,494,785
68$5,788,272$0$0$3,799,979
69$6,295,783$0$0$4,134,687
70$6,852,448$0$0$4,501,870
71$7,463,200$0$0$4,904,787
72$8,133,471$0$0$5,347,028
73$8,869,243$0$0$5,832,550
74$9,677,108$0$0$6,365,709
75$10,564,326$0$0$6,951,304
76$11,538,895$0$0$7,594,624
77$12,609,626$0$0$8,301,492
78$13,786,225$0$0$9,078,325
79$15,079,386$0$0$9,932,194
80$16,500,888$0$0$10,870,884
81$18,063,710$0$0$11,902,978
82$19,782,152$0$0$13,037,929
83$21,671,968$0$0$14,286,151
84$23,750,513$0$0$15,659,119
85$26,036,913$0$0$17,169,478
86$28,552,236$0$0$18,831,157
87$31,319,699$0$0$20,659,504
88$34,364,879$0$0$22,671,432
89$37,715,961$0$0$24,885,572
90$41,403,998$0$0$27,322,457
91$45,463,206$0$0$30,004,709
92$49,931,288$0$0$32,957,254
93$54,849,785$0$0$36,207,559
94$60,264,472$0$0$39,785,888
95$66,225,788$0$0$43,725,590
96$72,789,310$0$0$48,063,409
97$80,016,279$0$0$52,839,836
98$87,974,175$0$0$58,099,490
99$96,737,359$0$0$63,891,532
100$106,387,766$0$0$70,270,138