Can I retire at age 35 with 565,000?

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 $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%13.6%
1 years$46,657$46,242$45,836$45,440$45,054$44,381
2 years$23,098$22,667$22,251$21,846$21,454$20,777
3 years$15,245$14,813$14,398$13,997$13,611$12,952
4 years$11,320$10,889$10,478$10,084$9,708$9,071
5 years$8,966$8,537$8,131$7,746$7,380$6,768
6 years$7,396$6,971$6,571$6,194$5,839$5,252
7 years$6,276$5,855$5,461$5,093$4,749$4,187
8 years$5,436$5,018$4,631$4,272$3,940$3,403
9 years$4,783$4,370$3,989$3,639$3,318$2,806
10 years$4,261$3,852$3,477$3,137$2,827$2,340
11 years$3,834$3,429$3,062$2,730$2,431$1,969
12 years$3,479$3,077$2,717$2,394$2,107$1,668
13 years$3,178$2,781$2,427$2,114$1,837$1,421
14 years$2,921$2,528$2,181$1,877$1,611$1,217
15 years$2,698$2,309$1,969$1,674$1,418$1,046
16 years$2,503$2,119$1,785$1,498$1,253$902
17 years$2,331$1,951$1,625$1,346$1,111$780
18 years$2,179$1,803$1,483$1,213$988$676
19 years$2,043$1,671$1,358$1,096$881$587
20 years$1,920$1,553$1,246$993$787$511
21 years$1,810$1,446$1,146$901$704$445
22 years$1,709$1,350$1,056$819$631$389
23 years$1,618$1,263$975$746$566$339
24 years$1,534$1,183$902$681$509$297
25 years$1,457$1,110$835$622$458$260
26 years$1,386$1,044$775$568$413$227
27 years$1,320$982$719$520$372$199
28 years$1,259$925$669$477$336$175
29 years$1,203$873$622$437$303$153
30 years$1,150$824$580$401$274$135
31 years$1,101$779$541$368$248$118
32 years$1,055$737$504$339$224$104
33 years$1,012$698$471$311$203$91
34 years$971$662$440$286$184$80
35 years$933$628$411$264$166$70
36 years$897$596$385$243$151$62
37 years$863$566$360$224$137$54
38 years$831$538$337$206$124$48
39 years$801$511$316$190$112$42
40 years$772$487$296$175$102$37
41 years$745$463$278$162$92$33
42 years$719$441$261$149$84$29
43 years$695$420$244$138$76$25
44 years$671$401$229$127$69$22
45 years$649$382$215$118$63$20
46 years$628$364$202$109$57$17
47 years$607$348$190$100$52$15
48 years$588$332$179$93$47$13
49 years$569$317$168$86$43$12
50 years$552$303$158$79$39$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $565,000, adding $4,246 every year, while hoping to spend $39,740 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: 58/30/12 Blend
34$565,000$565,000$565,000$565,000
35$627,010$597,065$588,307$661,277
36$648,682$584,038$565,732$671,863
37$671,232$569,041$541,070$678,602
38$694,709$551,935$514,207$685,000
39$719,163$532,574$485,026$691,029
40$744,650$510,802$453,407$696,660
41$771,229$486,456$419,221$701,864
42$798,963$459,361$382,334$706,610
43$827,922$429,335$342,606$710,868
44$858,180$396,182$299,894$714,606
45$889,818$359,698$254,043$717,792
46$922,921$319,665$204,896$720,394
47$957,585$275,854$152,285$722,380
48$993,911$228,024$96,039$723,716
49$1,032,010$175,917$35,977$724,371
50$1,072,002$119,264$0$724,313
51$1,114,017$57,778$0$727,111
52$1,158,196$0$0$734,286
53$1,204,694$0$0$744,143
54$1,253,679$0$0$774,637
55$1,305,332$0$0$806,812
56$1,359,852$0$0$840,793
57$1,417,457$0$0$876,718
58$1,478,383$0$0$914,738
59$1,542,889$0$0$955,016
60$1,611,256$0$0$997,733
61$1,683,792$0$0$1,043,083
62$1,760,835$0$0$1,091,283
63$1,842,754$0$0$1,142,565
64$1,929,951$0$0$1,197,188
65$2,022,868$0$0$1,255,431
66$2,121,988$0$0$1,317,604
67$2,227,842$0$0$1,384,043
68$2,341,009$0$0$1,455,117
69$2,462,126$0$0$1,531,234
70$2,591,891$0$0$1,612,837
71$2,731,068$0$0$1,700,414
72$2,880,497$0$0$1,794,500
73$3,041,101$0$0$1,895,683
74$3,213,890$0$0$2,004,609
75$3,399,975$0$0$2,121,985
76$3,600,576$0$0$2,248,591
77$3,817,034$0$0$2,385,280
78$4,050,820$0$0$2,532,993
79$4,303,552$0$0$2,692,761
80$4,577,009$0$0$2,865,720
81$4,873,145$0$0$3,053,117
82$5,194,109$0$0$3,256,324
83$5,542,264$0$0$3,476,849
84$5,920,210$0$0$3,716,352
85$6,330,804$0$0$3,976,658
86$6,777,190$0$0$4,259,774
87$7,262,829$0$0$4,567,908
88$7,791,525$0$0$4,903,492
89$8,367,466$0$0$5,269,200
90$8,995,261$0$0$5,667,975
91$9,679,983$0$0$6,103,056
92$10,427,213$0$0$6,578,009
93$11,243,096$0$0$7,096,760
94$12,134,397$0$0$7,663,629
95$13,108,563$0$0$8,283,372
96$14,173,792$0$0$8,961,229
97$15,339,112$0$0$9,702,964
98$16,614,461$0$0$10,514,929
99$18,010,784$0$0$11,404,116
100$19,540,135$0$0$12,378,224