Can I retire at age 35 with 560,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $560,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$46,244$45,832$45,430$45,038$44,655$42,867
2 years$22,893$22,467$22,054$21,653$21,264$19,485
3 years$15,111$14,682$14,270$13,873$13,491$11,777
4 years$11,220$10,793$10,385$9,995$9,622$7,986
5 years$8,886$8,462$8,059$7,677$7,314$5,760
6 years$7,331$6,910$6,513$6,139$5,788$4,317
7 years$6,220$5,803$5,412$5,048$4,707$3,319
8 years$5,388$4,974$4,590$4,234$3,905$2,598
9 years$4,741$4,331$3,953$3,607$3,288$2,061
10 years$4,223$3,817$3,447$3,109$2,802$1,651
11 years$3,800$3,398$3,034$2,706$2,410$1,333
12 years$3,448$3,050$2,693$2,373$2,088$1,083
13 years$3,150$2,757$2,406$2,095$1,821$884
14 years$2,895$2,506$2,162$1,860$1,596$724
15 years$2,674$2,289$1,952$1,659$1,405$595
16 years$2,481$2,100$1,770$1,485$1,242$490
17 years$2,311$1,934$1,610$1,334$1,101$405
18 years$2,160$1,787$1,470$1,203$979$335
19 years$2,025$1,656$1,346$1,087$873$277
20 years$1,903$1,539$1,235$984$780$230
21 years$1,794$1,434$1,136$893$698$190
22 years$1,694$1,338$1,047$812$625$158
23 years$1,603$1,252$967$740$561$131
24 years$1,520$1,173$894$675$505$109
25 years$1,444$1,101$828$616$454$91
26 years$1,373$1,034$768$563$409$76
27 years$1,308$973$713$516$369$63
28 years$1,248$917$663$472$333$52
29 years$1,192$865$617$433$300$44
30 years$1,140$817$575$398$271$36
31 years$1,091$773$536$365$245$30
32 years$1,046$731$500$336$222$25
33 years$1,003$692$467$309$201$21
34 years$963$656$436$284$182$17
35 years$925$622$408$261$165$15
36 years$889$591$381$241$149$12
37 years$856$561$357$222$135$10
38 years$824$533$334$204$123$8
39 years$794$507$313$188$111$7
40 years$766$482$294$174$101$6
41 years$739$459$275$160$92$5
42 years$713$437$258$148$83$4
43 years$689$417$242$137$75$3
44 years$665$397$227$126$68$3
45 years$643$379$214$117$62$2
46 years$622$361$201$108$56$2
47 years$602$345$188$99$51$2
48 years$583$329$177$92$47$1
49 years$564$314$166$85$42$1
50 years$547$300$156$78$38$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $560,000, adding $4,075 every year, while hoping to spend $35,375 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: 28/43/29 Blend
34$560,000$560,000$560,000$560,000
35$621,323$591,643$582,963$633,062
36$647,060$582,995$564,854$634,157
37$674,235$572,738$544,952$632,021
38$702,960$560,754$523,161$629,021
39$733,353$546,923$499,378$625,106
40$765,545$531,112$473,497$620,228
41$799,679$513,184$445,407$614,334
42$835,909$492,993$414,991$607,372
43$874,407$470,385$382,129$599,289
44$915,358$445,196$346,692$590,029
45$958,968$417,253$308,549$579,539
46$1,005,457$386,374$267,560$567,763
47$1,055,073$352,365$223,582$554,647
48$1,108,081$315,021$176,463$540,135
49$1,164,776$274,128$126,045$524,174
50$1,225,479$229,456$72,164$506,711
51$1,290,544$180,766$14,647$487,695
52$1,360,357$127,801$0$467,076
53$1,435,345$70,294$0$459,269
54$1,515,972$7,961$0$455,548
55$1,602,751$0$0$451,397
56$1,696,244$0$0$475,001
57$1,797,069$0$0$504,587
58$1,905,904$0$0$536,597
59$2,023,494$0$0$571,259
60$2,150,659$0$0$608,824
61$2,288,300$0$0$649,568
62$2,437,405$0$0$693,796
63$2,599,063$0$0$741,841
64$2,774,471$0$0$794,071
65$2,964,946$0$0$850,891
66$3,171,935$0$0$912,744
67$3,397,030$0$0$980,121
68$3,641,984$0$0$1,053,560
69$3,908,724$0$0$1,133,653
70$4,199,373$0$0$1,221,055
71$4,516,265$0$0$1,316,482
72$4,861,969$0$0$1,420,725
73$5,239,314$0$0$1,534,655
74$5,651,413$0$0$1,659,229
75$6,101,693$0$0$1,795,504
76$6,593,928$0$0$1,944,640
77$7,132,271$0$0$2,107,917
78$7,721,297$0$0$2,286,743
79$8,366,042$0$0$2,482,669
80$9,072,052$0$0$2,697,405
81$9,845,434$0$0$2,932,831
82$10,692,914$0$0$3,191,019
83$11,621,899$0$0$3,474,253
84$12,640,547$0$0$3,785,045
85$13,757,843$0$0$4,126,165
86$14,983,685$0$0$4,500,664
87$16,328,973$0$0$4,911,901
88$17,805,714$0$0$5,363,577
89$19,427,134$0$0$5,859,770
90$21,207,805$0$0$6,404,972
91$23,163,776$0$0$7,004,131
92$25,312,728$0$0$7,662,698
93$27,674,140$0$0$8,386,680
94$30,269,471$0$0$9,182,693
95$33,122,362$0$0$10,058,027
96$36,258,858$0$0$11,020,715
97$39,707,653$0$0$12,079,605
98$43,500,364$0$0$13,244,447
99$47,671,820$0$0$14,525,984
100$52,260,399$0$0$15,936,051