Can I retire at age 35 with 565,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $565,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$46,657$46,242$45,836$45,440$45,054$44,770
2 years$23,098$22,667$22,251$21,846$21,454$21,168
3 years$15,245$14,813$14,398$13,997$13,611$13,331
4 years$11,320$10,889$10,478$10,084$9,708$9,436
5 years$8,966$8,537$8,131$7,746$7,380$7,118
6 years$7,396$6,971$6,571$6,194$5,839$5,587
7 years$6,276$5,855$5,461$5,093$4,749$4,506
8 years$5,436$5,018$4,631$4,272$3,940$3,707
9 years$4,783$4,370$3,989$3,639$3,318$3,095
10 years$4,261$3,852$3,477$3,137$2,827$2,614
11 years$3,834$3,429$3,062$2,730$2,431$2,227
12 years$3,479$3,077$2,717$2,394$2,107$1,912
13 years$3,178$2,781$2,427$2,114$1,837$1,652
14 years$2,921$2,528$2,181$1,877$1,611$1,434
15 years$2,698$2,309$1,969$1,674$1,418$1,250
16 years$2,503$2,119$1,785$1,498$1,253$1,094
17 years$2,331$1,951$1,625$1,346$1,111$960
18 years$2,179$1,803$1,483$1,213$988$845
19 years$2,043$1,671$1,358$1,096$881$745
20 years$1,920$1,553$1,246$993$787$658
21 years$1,810$1,446$1,146$901$704$583
22 years$1,709$1,350$1,056$819$631$517
23 years$1,618$1,263$975$746$566$459
24 years$1,534$1,183$902$681$509$408
25 years$1,457$1,110$835$622$458$363
26 years$1,386$1,044$775$568$413$323
27 years$1,320$982$719$520$372$288
28 years$1,259$925$669$477$336$257
29 years$1,203$873$622$437$303$229
30 years$1,150$824$580$401$274$204
31 years$1,101$779$541$368$248$183
32 years$1,055$737$504$339$224$163
33 years$1,012$698$471$311$203$146
34 years$971$662$440$286$184$130
35 years$933$628$411$264$166$117
36 years$897$596$385$243$151$104
37 years$863$566$360$224$137$93
38 years$831$538$337$206$124$84
39 years$801$511$316$190$112$75
40 years$772$487$296$175$102$67
41 years$745$463$278$162$92$60
42 years$719$441$261$149$84$54
43 years$695$420$244$138$76$48
44 years$671$401$229$127$69$43
45 years$649$382$215$118$63$39
46 years$628$364$202$109$57$35
47 years$607$348$190$100$52$31
48 years$588$332$179$93$47$28
49 years$569$317$168$86$43$25
50 years$552$303$158$79$39$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $565,000, adding $5,329 every year, while hoping to spend $35,247 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: 59/13/28 Blend
34$565,000$565,000$565,000$565,000
35$628,127$598,182$589,424$660,120
36$654,693$589,990$571,668$674,402
37$682,788$580,216$552,135$685,773
38$712,530$568,744$530,729$697,444
39$744,049$555,453$507,349$709,455
40$777,486$540,215$481,889$721,848
41$812,996$522,892$454,239$734,674
42$850,749$503,341$424,283$747,990
43$890,930$481,409$391,901$761,861
44$933,742$456,935$356,967$776,361
45$979,406$429,747$319,348$791,572
46$1,028,166$399,665$278,907$807,588
47$1,080,289$366,499$235,500$824,516
48$1,136,067$330,046$188,978$842,474
49$1,195,820$290,093$139,183$861,597
50$1,259,900$246,414$85,952$882,034
51$1,328,693$198,771$29,114$903,955
52$1,402,621$146,912$0$927,550
53$1,482,150$90,572$0$962,454
54$1,567,790$29,470$0$1,009,375
55$1,660,099$0$0$1,059,930
56$1,759,696$0$0$1,119,724
57$1,867,254$0$0$1,188,888
58$1,983,517$0$0$1,263,688
59$2,109,302$0$0$1,344,653
60$2,245,506$0$0$1,432,367
61$2,393,117$0$0$1,527,470
62$2,553,218$0$0$1,630,668
63$2,727,004$0$0$1,742,734
64$2,915,787$0$0$1,864,522
65$3,121,011$0$0$1,996,970
66$3,344,263$0$0$2,141,108
67$3,587,292$0$0$2,298,073
68$3,852,020$0$0$2,469,113
69$4,140,563$0$0$2,655,603
70$4,455,251$0$0$2,859,057
71$4,798,645$0$0$3,081,139
72$5,173,568$0$0$3,323,682
73$5,583,125$0$0$3,588,706
74$6,030,735$0$0$3,878,431
75$6,520,163$0$0$4,195,305
76$7,055,553$0$0$4,542,019
77$7,641,467$0$0$4,921,540
78$8,282,932$0$0$5,337,134
79$8,985,480$0$0$5,792,397
80$9,755,206$0$0$6,291,288
81$10,598,819$0$0$6,838,172
82$11,523,712$0$0$7,437,850
83$12,538,023$0$0$8,095,614
84$13,650,720$0$0$8,817,291
85$14,871,677$0$0$9,609,302
86$16,211,771$0$0$10,478,716
87$17,682,986$0$0$11,433,322
88$19,298,519$0$0$12,481,699
89$21,072,911$0$0$13,633,300
90$23,022,178$0$0$14,898,536
91$25,163,965$0$0$16,288,877
92$27,517,710$0$0$17,816,960
93$30,104,828$0$0$19,496,706
94$32,948,912$0$0$21,343,451
95$36,075,954$0$0$23,374,095
96$39,514,592$0$0$25,607,252
97$43,296,376$0$0$28,063,436
98$47,456,067$0$0$30,765,243
99$52,031,966$0$0$33,737,575
100$57,066,272$0$0$37,007,863