Can I retire at age 35 with 564,000?

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 $564,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$46,575$46,160$45,755$45,360$44,974$43,207
2 years$23,057$22,627$22,211$21,808$21,416$19,657
3 years$15,218$14,787$14,372$13,972$13,587$11,892
4 years$11,300$10,870$10,459$10,066$9,691$8,072
5 years$8,950$8,522$8,117$7,732$7,367$5,829
6 years$7,383$6,959$6,560$6,183$5,829$4,373
7 years$6,265$5,844$5,451$5,084$4,741$3,366
8 years$5,426$5,010$4,623$4,265$3,933$2,638
9 years$4,775$4,362$3,982$3,632$3,312$2,095
10 years$4,253$3,845$3,471$3,131$2,822$1,681
11 years$3,827$3,423$3,056$2,725$2,427$1,359
12 years$3,473$3,072$2,712$2,390$2,103$1,105
13 years$3,173$2,776$2,423$2,110$1,834$903
14 years$2,916$2,524$2,177$1,873$1,608$741
15 years$2,693$2,305$1,966$1,671$1,416$610
16 years$2,499$2,115$1,782$1,496$1,251$503
17 years$2,327$1,948$1,622$1,344$1,109$416
18 years$2,175$1,800$1,480$1,211$986$344
19 years$2,039$1,668$1,355$1,094$879$286
20 years$1,917$1,550$1,244$991$785$237
21 years$1,806$1,444$1,144$900$703$197
22 years$1,706$1,348$1,054$818$630$164
23 years$1,615$1,261$974$745$565$136
24 years$1,531$1,181$900$679$508$113
25 years$1,454$1,108$834$620$457$95
26 years$1,383$1,042$773$567$412$79
27 years$1,318$980$718$519$371$66
28 years$1,257$924$668$476$335$55
29 years$1,201$871$621$436$303$46
30 years$1,148$823$579$400$273$38
31 years$1,099$778$540$368$247$32
32 years$1,053$736$503$338$224$26
33 years$1,010$697$470$311$202$22
34 years$970$661$439$286$183$18
35 years$932$627$411$263$166$15
36 years$896$595$384$242$150$13
37 years$862$565$360$223$136$11
38 years$830$537$337$206$124$9
39 years$800$511$315$190$112$7
40 years$771$486$296$175$102$6
41 years$744$462$277$162$92$5
42 years$718$440$260$149$84$4
43 years$693$420$244$138$76$4
44 years$670$400$229$127$69$3
45 years$648$381$215$117$63$3
46 years$627$364$202$108$57$2
47 years$606$347$190$100$52$2
48 years$587$331$178$93$47$1
49 years$568$317$168$86$43$1
50 years$551$302$158$79$39$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $564,000, adding $3,498 every year, while hoping to spend $27,657 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: 63/16/21 Blend
34$564,000$564,000$564,000$564,000
35$625,136$595,244$586,502$660,919
36$659,473$594,984$576,723$685,206
37$696,386$593,785$565,690$708,310
38$736,107$591,570$553,330$732,909
39$778,894$588,261$539,571$759,150
40$825,028$583,772$524,333$787,199
41$874,817$578,014$507,535$817,237
42$928,604$570,892$489,092$849,466
43$986,759$562,304$468,915$884,109
44$1,049,695$552,143$446,910$921,413
45$1,117,863$540,296$422,980$961,651
46$1,191,758$526,644$397,023$1,005,125
47$1,271,926$511,059$368,932$1,052,170
48$1,358,968$493,406$338,597$1,103,156
49$1,453,543$473,543$305,900$1,158,492
50$1,556,377$451,320$270,721$1,218,631
51$1,668,270$426,577$232,932$1,284,072
52$1,790,100$399,145$192,402$1,355,370
53$1,922,833$368,847$148,991$1,433,135
54$2,067,536$335,493$102,555$1,518,044
55$2,225,377$298,886$52,944$1,610,844
56$2,397,648$258,813$0$1,712,361
57$2,585,767$215,054$0$1,823,506
58$2,791,296$167,372$0$1,957,948
59$3,015,955$115,520$0$2,104,964
60$3,261,638$59,236$0$2,265,824
61$3,530,428$0$0$2,441,929
62$3,824,623$0$0$2,635,132
63$4,146,750$0$0$2,858,137
64$4,499,592$0$0$3,102,446
65$4,886,215$0$0$3,370,188
66$5,309,995$0$0$3,663,704
67$5,774,650$0$0$3,985,577
68$6,284,275$0$0$4,338,649
69$6,843,382$0$0$4,726,049
70$7,456,938$0$0$5,151,228
71$8,130,416$0$0$5,617,983
72$8,869,844$0$0$6,130,500
73$9,681,863$0$0$6,693,386
74$10,573,787$0$0$7,311,721
75$11,553,675$0$0$7,991,097
76$12,630,405$0$0$8,737,678
77$13,813,757$0$0$9,558,251
78$15,114,504$0$0$10,460,297
79$16,544,518$0$0$11,452,056
80$18,116,875$0$0$12,542,605
81$19,845,985$0$0$13,741,948
82$21,747,721$0$0$15,061,103
83$23,839,574$0$0$16,512,212
84$26,140,813$0$0$18,108,654
85$28,672,672$0$0$19,865,166
86$31,458,544$0$0$21,797,990
87$34,524,204$0$0$23,925,019
88$37,898,053$0$0$26,265,969
89$41,611,385$0$0$28,842,565
90$45,698,680$0$0$31,678,744
91$50,197,932$0$0$34,800,882
92$55,151,004$0$0$38,238,042
93$60,604,025$0$0$42,022,247
94$66,607,825$0$0$46,188,784
95$73,218,411$0$0$50,776,537
96$80,497,499$0$0$55,828,351
97$88,513,095$0$0$61,391,436
98$97,340,134$0$0$67,517,817
99$107,061,190$0$0$74,264,819
100$117,767,254$0$0$81,695,611