Can I retire at age 35 with 560,000?

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 $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%19.2%
1 years$46,244$45,832$45,430$45,038$44,655$43,002
2 years$22,893$22,467$22,054$21,653$21,264$19,618
3 years$15,111$14,682$14,270$13,873$13,491$11,903
4 years$11,220$10,793$10,385$9,995$9,622$8,104
5 years$8,886$8,462$8,059$7,677$7,314$5,870
6 years$7,331$6,910$6,513$6,139$5,788$4,419
7 years$6,220$5,803$5,412$5,048$4,707$3,413
8 years$5,388$4,974$4,590$4,234$3,905$2,684
9 years$4,741$4,331$3,953$3,607$3,288$2,140
10 years$4,223$3,817$3,447$3,109$2,802$1,723
11 years$3,800$3,398$3,034$2,706$2,410$1,399
12 years$3,448$3,050$2,693$2,373$2,088$1,142
13 years$3,150$2,757$2,406$2,095$1,821$937
14 years$2,895$2,506$2,162$1,860$1,596$772
15 years$2,674$2,289$1,952$1,659$1,405$638
16 years$2,481$2,100$1,770$1,485$1,242$529
17 years$2,311$1,934$1,610$1,334$1,101$439
18 years$2,160$1,787$1,470$1,203$979$365
19 years$2,025$1,656$1,346$1,087$873$304
20 years$1,903$1,539$1,235$984$780$254
21 years$1,794$1,434$1,136$893$698$212
22 years$1,694$1,338$1,047$812$625$177
23 years$1,603$1,252$967$740$561$148
24 years$1,520$1,173$894$675$505$124
25 years$1,444$1,101$828$616$454$104
26 years$1,373$1,034$768$563$409$87
27 years$1,308$973$713$516$369$73
28 years$1,248$917$663$472$333$61
29 years$1,192$865$617$433$300$51
30 years$1,140$817$575$398$271$43
31 years$1,091$773$536$365$245$36
32 years$1,046$731$500$336$222$30
33 years$1,003$692$467$309$201$25
34 years$963$656$436$284$182$21
35 years$925$622$408$261$165$18
36 years$889$591$381$241$149$15
37 years$856$561$357$222$135$12
38 years$824$533$334$204$123$10
39 years$794$507$313$188$111$9
40 years$766$482$294$174$101$7
41 years$739$459$275$160$92$6
42 years$713$437$258$148$83$5
43 years$689$417$242$137$75$4
44 years$665$397$227$126$68$4
45 years$643$379$214$117$62$3
46 years$622$361$201$108$56$3
47 years$602$345$188$99$51$2
48 years$583$329$177$92$47$2
49 years$564$314$166$85$42$2
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 $5,364 every year, while hoping to spend $37,846 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: 45/33/22 Blend
34$560,000$560,000$560,000$560,000
35$622,653$592,973$584,293$646,510
36$645,896$581,761$563,599$652,630
37$670,241$568,731$540,943$655,128
38$695,761$553,754$516,220$657,069
39$722,534$536,694$489,319$658,417
40$750,646$517,405$460,125$659,140
41$780,190$495,736$428,517$659,202
42$811,265$471,523$394,369$658,569
43$843,983$444,596$357,548$657,207
44$878,462$414,774$317,919$655,080
45$914,832$381,865$275,336$652,155
46$953,235$345,666$229,650$648,397
47$993,825$305,964$180,704$643,773
48$1,036,771$262,533$128,333$638,252
49$1,082,258$215,133$72,369$631,804
50$1,130,486$163,512$12,631$624,399
51$1,181,675$107,404$0$616,014
52$1,236,066$46,526$0$618,625
53$1,293,921$0$0$624,159
54$1,355,528$0$0$636,731
55$1,421,202$0$0$668,182
56$1,491,289$0$0$701,785
57$1,566,165$0$0$737,727
58$1,646,247$0$0$776,213
59$1,731,987$0$0$817,467
60$1,823,884$0$0$861,734
61$1,922,484$0$0$909,283
62$2,028,387$0$0$960,412
63$2,142,252$0$0$1,015,446
64$2,264,800$0$0$1,074,740
65$2,396,825$0$0$1,138,688
66$2,539,199$0$0$1,207,719
67$2,692,879$0$0$1,282,308
68$2,858,917$0$0$1,362,973
69$3,038,468$0$0$1,450,288
70$3,232,804$0$0$1,544,880
71$3,443,321$0$0$1,647,440
72$3,671,555$0$0$1,758,728
73$3,919,195$0$0$1,879,580
74$4,188,099$0$0$2,010,914
75$4,480,308$0$0$2,153,743
76$4,798,071$0$0$2,309,178
77$5,143,860$0$0$2,478,444
78$5,520,396$0$0$2,662,888
79$5,930,672$0$0$2,863,992
80$6,377,983$0$0$3,083,387
81$6,865,955$0$0$3,322,869
82$7,398,579$0$0$3,584,416
83$7,980,247$0$0$3,870,202
84$8,615,797$0$0$4,182,624
85$9,310,551$0$0$4,524,320
86$10,070,374$0$0$4,898,193
87$10,901,717$0$0$5,307,441
88$11,811,689$0$0$5,755,587
89$12,808,115$0$0$6,246,507
90$13,899,612$0$0$6,784,472
91$15,095,673$0$0$7,374,185
92$16,406,747$0$0$8,020,827
93$17,844,348$0$0$8,730,102
94$19,421,154$0$0$9,508,294
95$21,151,129$0$0$10,362,325
96$23,049,656$0$0$11,299,819
97$25,133,678$0$0$12,329,174
98$27,421,858$0$0$13,459,642
99$29,934,756$0$0$14,701,414
100$32,695,019$0$0$16,065,717