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%14.8%
1 years$46,575$46,160$45,755$45,360$44,974$44,084
2 years$23,057$22,627$22,211$21,808$21,416$20,523
3 years$15,218$14,787$14,372$13,972$13,587$12,719
4 years$11,300$10,870$10,459$10,066$9,691$8,854
5 years$8,950$8,522$8,117$7,732$7,367$6,564
6 years$7,383$6,959$6,560$6,183$5,829$5,062
7 years$6,265$5,844$5,451$5,084$4,741$4,008
8 years$5,426$5,010$4,623$4,265$3,933$3,235
9 years$4,775$4,362$3,982$3,632$3,312$2,649
10 years$4,253$3,845$3,471$3,131$2,822$2,193
11 years$3,827$3,423$3,056$2,725$2,427$1,831
12 years$3,473$3,072$2,712$2,390$2,103$1,539
13 years$3,173$2,776$2,423$2,110$1,834$1,301
14 years$2,916$2,524$2,177$1,873$1,608$1,105
15 years$2,693$2,305$1,966$1,671$1,416$942
16 years$2,499$2,115$1,782$1,496$1,251$805
17 years$2,327$1,948$1,622$1,344$1,109$691
18 years$2,175$1,800$1,480$1,211$986$593
19 years$2,039$1,668$1,355$1,094$879$511
20 years$1,917$1,550$1,244$991$785$441
21 years$1,806$1,444$1,144$900$703$381
22 years$1,706$1,348$1,054$818$630$329
23 years$1,615$1,261$974$745$565$285
24 years$1,531$1,181$900$679$508$247
25 years$1,454$1,108$834$620$457$214
26 years$1,383$1,042$773$567$412$185
27 years$1,318$980$718$519$371$161
28 years$1,257$924$668$476$335$140
29 years$1,201$871$621$436$303$121
30 years$1,148$823$579$400$273$106
31 years$1,099$778$540$368$247$92
32 years$1,053$736$503$338$224$80
33 years$1,010$697$470$311$202$69
34 years$970$661$439$286$183$60
35 years$932$627$411$263$166$52
36 years$896$595$384$242$150$46
37 years$862$565$360$223$136$40
38 years$830$537$337$206$124$35
39 years$800$511$315$190$112$30
40 years$771$486$296$175$102$26
41 years$744$462$277$162$92$23
42 years$718$440$260$149$84$20
43 years$693$420$244$138$76$17
44 years$670$400$229$127$69$15
45 years$648$381$215$117$63$13
46 years$627$364$202$108$57$11
47 years$606$347$190$100$52$10
48 years$587$331$178$93$47$9
49 years$568$317$168$86$43$8
50 years$551$302$158$79$39$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $564,000, adding $3,368 every year, while hoping to spend $32,131 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: 72/9/19 Blend
34$564,000$564,000$564,000$564,000
35$625,002$595,110$586,368$666,936
36$654,565$590,083$571,824$690,233
37$686,067$583,733$555,716$711,556
38$719,671$575,961$537,958$734,092
39$755,557$566,663$518,459$757,954
40$793,921$555,727$497,125$783,272
41$834,979$543,036$473,857$810,185
42$878,968$528,465$448,552$838,848
43$926,146$511,884$421,102$869,435
44$976,798$493,152$391,394$902,135
45$1,031,237$472,122$359,312$937,160
46$1,089,805$448,637$324,730$974,743
47$1,152,879$422,534$287,522$1,015,141
48$1,220,871$393,637$247,553$1,058,639
49$1,294,236$361,761$204,682$1,105,554
50$1,373,473$326,712$158,764$1,156,233
51$1,459,129$288,283$109,644$1,211,063
52$1,551,808$246,256$57,165$1,270,470
53$1,652,171$200,401$1,158$1,334,924
54$1,760,946$150,475$0$1,404,946
55$1,878,935$96,220$0$1,492,995
56$2,007,017$37,366$0$1,588,846
57$2,146,161$0$0$1,693,006
58$2,297,432$0$0$1,808,903
59$2,462,002$0$0$1,939,040
60$2,641,161$0$0$2,080,737
61$2,836,327$0$0$2,235,122
62$3,049,062$0$0$2,403,431
63$3,281,083$0$0$2,587,028
64$3,534,283$0$0$2,787,413
65$3,810,743$0$0$3,006,237
66$4,112,754$0$0$3,245,318
67$4,442,841$0$0$3,506,658
68$4,803,779$0$0$3,792,459
69$5,198,628$0$0$4,105,148
70$5,630,755$0$0$4,447,396
71$6,103,867$0$0$4,822,143
72$6,622,049$0$0$5,232,631
73$7,189,795$0$0$5,682,424
74$7,812,060$0$0$6,175,453
75$8,494,296$0$0$6,716,043
76$9,242,510$0$0$7,308,961
77$10,063,318$0$0$7,959,454
78$10,964,009$0$0$8,673,305
79$11,952,608$0$0$9,456,880
80$13,037,958$0$0$10,317,196
81$14,229,798$0$0$11,261,979
82$15,538,858$0$0$12,299,741
83$16,976,957$0$0$13,439,860
84$18,557,116$0$0$14,692,666
85$20,293,679$0$0$16,069,539
86$22,202,449$0$0$17,583,017
87$24,300,837$0$0$19,246,913
88$26,608,023$0$0$21,076,445
89$29,145,139$0$0$23,088,379
90$31,935,470$0$0$25,301,187
91$35,004,665$0$0$27,735,223
92$38,380,990$0$0$30,412,909
93$42,095,584$0$0$33,358,953
94$46,182,759$0$0$36,600,578
95$50,680,318$0$0$40,167,777
96$55,629,916$0$0$44,093,600
97$61,077,450$0$0$48,414,461
98$67,073,490$0$0$53,170,484
99$73,673,760$0$0$58,405,880
100$80,939,658$0$0$64,169,365