Can I retire at age 35 with 552,000?

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 $552,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$45,584$45,178$44,781$44,395$44,017$43,342
2 years$22,566$22,146$21,739$21,344$20,961$20,282
3 years$14,895$14,473$14,066$13,675$13,298$12,637
4 years$11,060$10,639$10,237$9,852$9,484$8,846
5 years$8,759$8,341$7,944$7,567$7,210$6,596
6 years$7,226$6,811$6,420$6,052$5,705$5,116
7 years$6,132$5,720$5,335$4,975$4,640$4,077
8 years$5,311$4,903$4,525$4,174$3,849$3,312
9 years$4,673$4,269$3,897$3,555$3,241$2,729
10 years$4,163$3,763$3,397$3,065$2,762$2,274
11 years$3,746$3,350$2,991$2,667$2,375$1,912
12 years$3,399$3,007$2,655$2,339$2,058$1,619
13 years$3,105$2,717$2,372$2,065$1,795$1,378
14 years$2,854$2,470$2,131$1,833$1,573$1,179
15 years$2,636$2,256$1,924$1,635$1,385$1,013
16 years$2,446$2,070$1,744$1,464$1,224$873
17 years$2,278$1,906$1,587$1,315$1,086$754
18 years$2,129$1,762$1,449$1,185$965$654
19 years$1,996$1,633$1,326$1,071$860$567
20 years$1,876$1,517$1,217$970$769$493
21 years$1,768$1,413$1,120$880$688$430
22 years$1,670$1,319$1,032$801$616$375
23 years$1,580$1,234$953$729$553$327
24 years$1,498$1,156$881$665$497$286
25 years$1,423$1,085$816$607$448$250
26 years$1,354$1,020$757$555$403$219
27 years$1,290$960$703$508$363$191
28 years$1,230$904$653$466$328$168
29 years$1,175$853$608$427$296$147
30 years$1,124$806$566$392$268$129
31 years$1,076$761$528$360$242$113
32 years$1,031$721$493$331$219$99
33 years$989$682$460$304$198$87
34 years$949$647$430$280$179$76
35 years$912$613$402$258$162$67
36 years$877$582$376$237$147$59
37 years$844$553$352$219$133$52
38 years$812$526$330$202$121$46
39 years$783$500$309$186$110$40
40 years$755$475$289$171$99$35
41 years$728$453$271$158$90$31
42 years$703$431$255$146$82$27
43 years$679$411$239$135$74$24
44 years$656$391$224$124$67$21
45 years$634$373$210$115$61$18
46 years$613$356$198$106$56$16
47 years$593$340$186$98$50$14
48 years$574$324$175$91$46$13
49 years$556$310$164$84$42$11
50 years$539$296$154$77$38$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $552,000, adding $6,565 every year, while hoping to spend $20,992 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: 76/10/14 Blend
34$552,000$552,000$552,000$552,000
35$615,076$585,820$577,264$659,525
36$655,478$592,190$574,267$696,133
37$699,298$598,168$570,466$732,972
38$746,862$603,714$565,812$772,779
39$798,529$608,782$560,253$815,843
40$854,693$613,327$553,736$862,483
41$915,790$617,299$546,205$913,049
42$982,297$620,643$537,599$967,928
43$1,054,741$623,303$527,858$1,027,544
44$1,133,699$625,220$516,916$1,092,367
45$1,219,810$626,329$504,706$1,162,915
46$1,313,773$626,563$491,157$1,239,756
47$1,416,362$625,848$476,194$1,323,520
48$1,528,425$624,109$459,741$1,414,898
49$1,650,898$621,263$441,716$1,514,654
50$1,784,810$617,226$422,034$1,623,629
51$1,931,295$611,904$400,606$1,742,749
52$2,091,601$605,202$377,341$1,873,036
53$2,267,103$597,015$352,140$2,015,618
54$2,459,314$587,235$324,903$2,171,736
55$2,669,901$575,746$295,524$2,342,758
56$2,900,699$562,426$263,893$2,530,192
57$3,153,731$547,146$229,893$2,735,703
58$3,431,222$529,767$193,406$2,961,123
59$3,735,626$510,144$154,304$3,208,472
60$4,069,642$488,124$112,456$3,479,978
61$4,436,248$463,545$67,725$3,778,096
62$4,838,720$436,233$19,969$4,105,532
63$5,280,668$406,007$0$4,465,270
64$5,766,069$372,674$0$4,865,227
65$6,299,305$336,032$0$5,307,882
66$6,885,201$295,864$0$5,794,269
67$7,529,074$251,945$0$6,328,816
68$8,236,783$204,033$0$6,916,404
69$9,014,780$151,875$0$7,562,411
70$9,870,174$95,204$0$8,272,763
71$10,810,799$33,737$0$9,053,992
72$11,845,285$0$0$9,913,292
73$12,983,140$0$0$10,862,206
74$14,234,839$0$0$11,910,169
75$15,611,925$0$0$13,063,135
76$17,127,116$0$0$14,331,754
77$18,794,423$0$0$15,727,762
78$20,629,287$0$0$17,264,090
79$22,648,718$0$0$18,954,983
80$24,871,462$0$0$20,816,142
81$27,318,172$0$0$22,864,863
82$30,011,605$0$0$25,120,206
83$32,976,838$0$0$27,603,172
84$36,241,503$0$0$30,336,903
85$39,836,046$0$0$33,346,898
86$43,794,017$0$0$36,661,255
87$48,152,383$0$0$40,310,935
88$52,951,881$0$0$44,330,055
89$58,237,399$0$0$48,756,208
90$64,058,399$0$0$53,630,820
91$70,469,385$0$0$58,999,539
92$77,530,418$0$0$64,912,666
93$85,307,682$0$0$71,425,631
94$93,874,104$0$0$78,599,511
95$103,310,051$0$0$86,501,615
96$113,704,079$0$0$95,206,108
97$125,153,774$0$0$104,794,722
98$137,766,673$0$0$115,357,519
99$151,661,274$0$0$126,993,744
100$166,968,161$0$0$139,812,761