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%
1 years$46,575$46,160$45,755$45,360$44,974$44,229
2 years$23,057$22,627$22,211$21,808$21,416$20,668
3 years$15,218$14,787$14,372$13,972$13,587$12,859
4 years$11,300$10,870$10,459$10,066$9,691$8,988
5 years$8,950$8,522$8,117$7,732$7,367$6,691
6 years$7,383$6,959$6,560$6,183$5,829$5,182
7 years$6,265$5,844$5,451$5,084$4,741$4,122
8 years$5,426$5,010$4,623$4,265$3,933$3,342
9 years$4,775$4,362$3,982$3,632$3,312$2,750
10 years$4,253$3,845$3,471$3,131$2,822$2,287
11 years$3,827$3,423$3,056$2,725$2,427$1,919
12 years$3,473$3,072$2,712$2,390$2,103$1,622
13 years$3,173$2,776$2,423$2,110$1,834$1,378
14 years$2,916$2,524$2,177$1,873$1,608$1,177
15 years$2,693$2,305$1,966$1,671$1,416$1,009
16 years$2,499$2,115$1,782$1,496$1,251$868
17 years$2,327$1,948$1,622$1,344$1,109$748
18 years$2,175$1,800$1,480$1,211$986$647
19 years$2,039$1,668$1,355$1,094$879$560
20 years$1,917$1,550$1,244$991$785$486
21 years$1,806$1,444$1,144$900$703$422
22 years$1,706$1,348$1,054$818$630$367
23 years$1,615$1,261$974$745$565$320
24 years$1,531$1,181$900$679$508$279
25 years$1,454$1,108$834$620$457$243
26 years$1,383$1,042$773$567$412$212
27 years$1,318$980$718$519$371$185
28 years$1,257$924$668$476$335$162
29 years$1,201$871$621$436$303$142
30 years$1,148$823$579$400$273$124
31 years$1,099$778$540$368$247$108
32 years$1,053$736$503$338$224$95
33 years$1,010$697$470$311$202$83
34 years$970$661$439$286$183$73
35 years$932$627$411$263$166$64
36 years$896$595$384$242$150$56
37 years$862$565$360$223$136$49
38 years$830$537$337$206$124$43
39 years$800$511$315$190$112$38
40 years$771$486$296$175$102$33
41 years$744$462$277$162$92$29
42 years$718$440$260$149$84$25
43 years$693$420$244$138$76$22
44 years$670$400$229$127$69$19
45 years$648$381$215$117$63$17
46 years$627$364$202$108$57$15
47 years$606$347$190$100$52$13
48 years$587$331$178$93$47$12
49 years$568$317$168$86$43$10
50 years$551$302$158$79$39$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $564,000, adding $5,992 every year, while hoping to spend $31,127 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: 52/33/15 Blend
34$564,000$564,000$564,000$564,000
35$627,709$597,817$589,075$657,511
36$658,616$593,991$575,690$674,740
37$691,633$588,934$560,813$689,681
38$726,941$582,554$544,362$705,235
39$764,741$574,751$526,250$721,469
40$805,251$565,420$506,386$738,459
41$848,713$554,452$484,676$756,289
42$895,389$541,727$461,020$775,054
43$945,569$527,123$435,315$794,863
44$999,572$510,507$407,453$815,833
45$1,057,746$491,739$377,320$838,101
46$1,120,475$470,673$344,799$861,815
47$1,188,179$447,152$309,766$887,144
48$1,261,322$421,011$272,092$914,277
49$1,340,412$392,075$231,642$943,424
50$1,426,008$360,160$188,275$974,819
51$1,518,724$325,071$141,846$1,008,724
52$1,619,235$286,602$92,199$1,045,431
53$1,728,286$244,534$39,177$1,085,266
54$1,846,692$198,637$0$1,128,591
55$1,975,352$148,668$0$1,178,597
56$2,115,255$94,370$0$1,239,818
57$2,267,488$35,471$0$1,306,508
58$2,433,248$0$0$1,379,253
59$2,613,852$0$0$1,468,984
60$2,810,748$0$0$1,580,905
61$3,025,531$0$0$1,703,046
62$3,259,957$0$0$1,836,415
63$3,515,958$0$0$1,982,116
64$3,795,661$0$0$2,141,368
65$4,101,407$0$0$2,315,511
66$4,435,775$0$0$2,506,022
67$4,801,604$0$0$2,714,527
68$5,202,018$0$0$2,942,816
69$5,640,460$0$0$3,192,859
70$6,120,720$0$0$3,466,828
71$6,646,972$0$0$3,767,112
72$7,223,812$0$0$4,096,346
73$7,856,304$0$0$4,457,429
74$8,550,024$0$0$4,853,555
75$9,311,113$0$0$5,288,242
76$10,146,336$0$0$5,765,365
77$11,063,145$0$0$6,289,193
78$12,069,747$0$0$6,864,428
79$13,175,186$0$0$7,496,250
80$14,389,420$0$0$8,190,364
81$15,723,422$0$0$8,953,057
82$17,189,281$0$0$9,791,255
83$18,800,312$0$0$10,712,585
84$20,571,187$0$0$11,725,453
85$22,518,068$0$0$12,839,120
86$24,658,762$0$0$14,063,788
87$27,012,889$0$0$15,410,697
88$29,602,063$0$0$16,892,231
89$32,450,100$0$0$18,522,035
90$35,583,238$0$0$20,315,144
91$39,030,387$0$0$22,288,121
92$42,823,402$0$0$24,459,218
93$46,997,380$0$0$26,848,545
94$51,590,993$0$0$29,478,259
95$56,646,850$0$0$32,372,776
96$62,211,902$0$0$35,558,997
97$68,337,882$0$0$39,066,565
98$75,081,794$0$0$42,928,143
99$82,506,449$0$0$47,179,720
100$90,681,057$0$0$51,860,954