Can I retire at age 35 with 567,000?

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 $567,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$46,822$46,405$45,998$45,601$45,213$43,942
2 years$23,179$22,748$22,329$21,924$21,530$20,259
3 years$15,299$14,866$14,449$14,047$13,660$12,429
4 years$11,360$10,928$10,515$10,120$9,742$8,561
5 years$8,997$8,568$8,160$7,773$7,406$6,277
6 years$7,423$6,996$6,594$6,216$5,860$4,785
7 years$6,298$5,875$5,480$5,111$4,766$3,744
8 years$5,455$5,036$4,647$4,287$3,954$2,985
9 years$4,800$4,385$4,003$3,652$3,330$2,414
10 years$4,276$3,865$3,490$3,148$2,837$1,972
11 years$3,848$3,441$3,072$2,740$2,440$1,625
12 years$3,491$3,088$2,727$2,403$2,114$1,347
13 years$3,189$2,791$2,436$2,121$1,844$1,123
14 years$2,931$2,537$2,189$1,883$1,616$940
15 years$2,708$2,318$1,976$1,679$1,423$790
16 years$2,512$2,126$1,792$1,504$1,258$665
17 years$2,340$1,958$1,630$1,351$1,115$562
18 years$2,187$1,809$1,488$1,218$992$475
19 years$2,050$1,677$1,363$1,100$884$403
20 years$1,927$1,558$1,250$996$789$342
21 years$1,816$1,452$1,150$904$706$291
22 years$1,715$1,355$1,060$822$633$247
23 years$1,623$1,267$979$749$568$210
24 years$1,539$1,187$905$683$511$179
25 years$1,462$1,114$838$624$460$153
26 years$1,391$1,047$778$570$414$130
27 years$1,325$986$722$522$373$111
28 years$1,264$929$671$478$337$95
29 years$1,207$876$625$439$304$81
30 years$1,154$827$582$403$275$69
31 years$1,105$782$542$370$249$59
32 years$1,059$740$506$340$225$51
33 years$1,015$701$473$312$203$43
34 years$975$664$442$287$184$37
35 years$937$630$413$265$167$32
36 years$901$598$386$244$151$27
37 years$867$568$361$225$137$23
38 years$834$540$338$207$124$20
39 years$804$513$317$191$113$17
40 years$775$488$297$176$102$14
41 years$748$465$279$162$93$12
42 years$722$443$261$150$84$11
43 years$697$422$245$138$76$9
44 years$674$402$230$128$69$8
45 years$651$383$216$118$63$7
46 years$630$366$203$109$57$6
47 years$610$349$191$101$52$5
48 years$590$333$179$93$47$4
49 years$571$318$169$86$43$4
50 years$554$304$158$79$39$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $567,000, adding $4,797 every year, while hoping to spend $22,991 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: 60/14/26 Blend
34$567,000$567,000$567,000$567,000
35$629,782$599,731$590,943$662,901
36$669,558$604,656$586,277$690,928
37$712,620$609,051$580,684$718,602
38$759,279$612,867$574,110$748,308
39$809,878$616,050$566,495$780,248
40$864,793$618,543$557,779$814,647
41$924,436$620,286$547,899$851,751
42$989,263$621,215$536,789$891,835
43$1,059,774$621,261$524,377$935,200
44$1,136,520$620,352$510,593$982,180
45$1,220,107$618,410$495,360$1,033,145
46$1,311,201$615,355$478,597$1,088,502
47$1,410,535$611,100$460,222$1,148,700
48$1,518,918$605,552$440,148$1,214,237
49$1,637,238$598,614$418,283$1,285,662
50$1,766,474$590,184$394,533$1,363,581
51$1,907,702$580,150$368,797$1,448,663
52$2,062,108$568,398$340,972$1,541,648
53$2,230,997$554,805$310,950$1,643,351
54$2,415,809$539,239$278,616$1,754,674
55$2,618,124$521,565$243,852$1,876,611
56$2,839,686$501,635$206,535$2,010,261
57$3,082,415$479,296$166,535$2,156,834
58$3,348,424$454,384$123,717$2,317,668
59$3,640,042$426,728$77,939$2,494,240
60$3,959,832$396,143$29,056$2,688,179
61$4,310,619$362,438$0$2,901,283
62$4,695,512$325,408$0$3,141,946
63$5,117,939$284,838$0$3,414,965
64$5,581,674$240,499$0$3,714,733
65$6,090,873$192,152$0$4,043,963
66$6,650,116$139,542$0$4,405,644
67$7,264,448$82,399$0$4,803,074
68$7,939,426$20,442$0$5,239,884
69$8,681,174$0$0$5,720,078
70$9,496,435$0$0$6,255,253
71$10,392,641$0$0$6,847,075
72$11,377,979$0$0$7,497,807
73$12,461,468$0$0$8,213,413
74$13,653,045$0$0$9,000,461
75$14,963,659$0$0$9,866,191
76$16,405,372$0$0$10,818,577
77$17,991,476$0$0$11,866,406
78$19,736,615$0$0$13,019,360
79$21,656,923$0$0$14,288,108
80$23,770,178$0$0$15,684,401
81$26,095,969$0$0$17,221,193
82$28,655,880$0$0$18,912,752
83$31,473,693$0$0$20,774,802
84$34,575,612$0$0$22,824,669
85$37,990,512$0$0$25,081,445
86$41,750,210$0$0$27,566,164
87$45,889,764$0$0$30,302,006
88$50,447,806$0$0$33,314,513
89$55,466,902$0$0$36,631,830
90$60,993,958$0$0$40,284,969
91$67,080,662$0$0$44,308,104
92$73,783,966$0$0$48,738,891
93$81,166,632$0$0$53,618,827
94$89,297,816$0$0$58,993,637
95$98,253,724$0$0$64,913,706
96$108,118,332$0$0$71,434,558
97$118,984,177$0$0$78,617,376
98$130,953,227$0$0$86,529,580
99$144,137,849$0$0$95,245,467
100$158,661,866$0$0$104,846,904