Can I retire at age 35 with 561,000?

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 $561,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$46,327$45,914$45,512$45,119$44,735$44,030
2 years$22,934$22,507$22,093$21,692$21,302$20,594
3 years$15,138$14,709$14,296$13,898$13,515$12,825
4 years$11,240$10,812$10,404$10,013$9,639$8,973
5 years$8,902$8,477$8,074$7,691$7,327$6,687
6 years$7,344$6,922$6,525$6,150$5,798$5,185
7 years$6,232$5,813$5,422$5,057$4,715$4,129
8 years$5,398$4,983$4,598$4,242$3,912$3,352
9 years$4,749$4,339$3,961$3,613$3,294$2,761
10 years$4,231$3,824$3,453$3,115$2,807$2,299
11 years$3,807$3,404$3,040$2,711$2,414$1,932
12 years$3,454$3,056$2,698$2,378$2,092$1,634
13 years$3,156$2,761$2,410$2,099$1,824$1,391
14 years$2,900$2,510$2,166$1,863$1,599$1,189
15 years$2,679$2,293$1,955$1,662$1,408$1,021
16 years$2,485$2,104$1,773$1,488$1,244$879
17 years$2,315$1,938$1,613$1,337$1,103$759
18 years$2,164$1,790$1,473$1,205$981$657
19 years$2,028$1,659$1,348$1,089$874$570
20 years$1,907$1,542$1,237$986$781$495
21 years$1,797$1,436$1,138$895$699$431
22 years$1,697$1,341$1,049$814$627$375
23 years$1,606$1,254$968$741$562$327
24 years$1,523$1,175$896$676$505$286
25 years$1,446$1,102$830$617$455$250
26 years$1,376$1,036$769$564$410$218
27 years$1,311$975$714$517$369$191
28 years$1,250$919$664$473$333$167
29 years$1,194$867$618$434$301$147
30 years$1,142$819$576$398$272$128
31 years$1,093$774$537$366$246$113
32 years$1,047$732$501$336$222$99
33 years$1,005$693$468$309$201$87
34 years$964$657$437$284$182$76
35 years$927$623$408$262$165$67
36 years$891$592$382$241$150$58
37 years$857$562$358$222$136$51
38 years$826$534$335$205$123$45
39 years$795$508$314$189$111$40
40 years$767$483$294$174$101$35
41 years$740$460$276$161$92$30
42 years$714$438$259$148$83$27
43 years$690$417$243$137$76$24
44 years$667$398$228$126$69$21
45 years$644$379$214$117$62$18
46 years$623$362$201$108$56$16
47 years$603$345$189$100$51$14
48 years$584$330$177$92$47$12
49 years$565$315$167$85$42$11
50 years$548$301$157$79$38$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $561,000, adding $2,288 every year, while hoping to spend $26,539 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: 39/42/19 Blend
34$561,000$561,000$561,000$561,000
35$620,582$590,849$582,154$641,187
36$655,644$591,563$573,418$656,897
37$693,393$591,423$563,501$671,171
38$734,075$590,359$552,334$686,055
39$777,960$588,296$539,847$701,618
40$825,345$585,155$525,965$717,939
41$876,556$580,854$510,611$735,105
42$931,953$575,303$493,704$753,217
43$991,928$568,409$475,159$772,386
44$1,056,916$560,072$454,888$792,737
45$1,127,392$550,187$432,797$814,409
46$1,203,881$538,641$408,791$837,560
47$1,286,959$525,317$382,768$862,366
48$1,377,260$510,089$354,622$889,023
49$1,475,481$492,824$324,242$917,750
50$1,582,390$473,381$291,514$948,794
51$1,698,830$451,614$256,316$982,427
52$1,825,731$427,363$218,523$1,018,955
53$1,964,114$400,462$178,002$1,058,718
54$2,115,106$370,737$134,617$1,102,096
55$2,279,944$338,001$88,225$1,149,512
56$2,459,993$302,057$38,674$1,201,434
57$2,656,752$262,698$0$1,258,386
58$2,871,875$219,704$0$1,323,829
59$3,107,181$172,844$0$1,404,085
60$3,364,672$121,873$0$1,492,058
61$3,646,556$66,531$0$1,588,581
62$3,955,260$6,547$0$1,694,577
63$4,293,460$0$0$1,811,070
64$4,664,101$0$0$1,966,166
65$5,070,428$0$0$2,139,589
66$5,516,014$0$0$2,329,846
67$6,004,794$0$0$2,538,628
68$6,541,103$0$0$2,767,796
69$7,129,717$0$0$3,019,402
70$7,775,893$0$0$3,295,705
71$8,485,427$0$0$3,599,192
72$9,264,699$0$0$3,932,606
73$10,120,740$0$0$4,298,966
74$11,061,296$0$0$4,701,600
75$12,094,897$0$0$5,144,173
76$13,230,945$0$0$5,630,724
77$14,479,794$0$0$6,165,700
78$15,852,853$0$0$6,754,005
79$17,362,692$0$0$7,401,038
80$19,023,160$0$0$8,112,749
81$20,849,513$0$0$8,895,694
82$22,858,563$0$0$9,757,095
83$25,068,832$0$0$10,704,912
84$27,500,727$0$0$11,747,914
85$30,176,735$0$0$12,895,760
86$33,121,629$0$0$14,159,099
87$36,362,709$0$0$15,549,659
88$39,930,053$0$0$17,080,365
89$43,856,804$0$0$18,765,460
90$48,179,481$0$0$20,620,636
91$52,938,324$0$0$22,663,184
92$58,177,672$0$0$24,912,158
93$63,946,381$0$0$27,388,554
94$70,298,289$0$0$30,115,506
95$77,292,716$0$0$33,118,506
96$84,995,031$0$0$36,425,646
97$93,477,264$0$0$40,067,879
98$102,818,786$0$0$44,079,315
99$113,107,058$0$0$48,497,539
100$124,438,458$0$0$53,363,969