Can I retire at age 35 with 568,000?

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 $568,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$46,905$46,487$46,079$45,682$45,293$44,746
2 years$23,220$22,788$22,369$21,962$21,568$21,017
3 years$15,326$14,892$14,474$14,071$13,684$13,146
4 years$11,380$10,947$10,533$10,138$9,759$9,240
5 years$9,013$8,583$8,174$7,787$7,419$6,919
6 years$7,436$7,008$6,606$6,227$5,870$5,390
7 years$6,309$5,886$5,490$5,120$4,774$4,314
8 years$5,465$5,045$4,656$4,295$3,961$3,520
9 years$4,808$4,393$4,010$3,658$3,335$2,915
10 years$4,284$3,872$3,496$3,153$2,842$2,441
11 years$3,855$3,447$3,078$2,744$2,444$2,062
12 years$3,497$3,094$2,731$2,407$2,118$1,755
13 years$3,195$2,796$2,440$2,125$1,847$1,502
14 years$2,936$2,541$2,193$1,887$1,619$1,292
15 years$2,712$2,322$1,980$1,682$1,426$1,116
16 years$2,516$2,130$1,795$1,506$1,260$967
17 years$2,344$1,962$1,633$1,354$1,117$841
18 years$2,191$1,813$1,491$1,220$993$732
19 years$2,054$1,680$1,365$1,102$885$639
20 years$1,930$1,561$1,253$998$791$559
21 years$1,819$1,454$1,152$906$708$490
22 years$1,718$1,357$1,062$824$634$430
23 years$1,626$1,270$981$750$569$377
24 years$1,542$1,189$907$684$512$332
25 years$1,464$1,116$840$625$461$292
26 years$1,393$1,049$779$571$415$257
27 years$1,327$987$723$523$374$227
28 years$1,266$930$672$479$337$200
29 years$1,209$878$626$439$305$176
30 years$1,156$829$583$403$275$156
31 years$1,107$784$543$370$249$137
32 years$1,061$741$507$340$225$121
33 years$1,017$702$473$313$204$107
34 years$976$665$442$288$185$95
35 years$938$631$414$265$167$84
36 years$902$599$387$244$151$74
37 years$868$569$362$225$137$66
38 years$836$541$339$207$124$58
39 years$805$514$318$191$113$51
40 years$777$489$298$176$102$45
41 years$749$466$279$163$93$40
42 years$723$443$262$150$84$36
43 years$698$423$246$139$76$31
44 years$675$403$231$128$69$28
45 years$652$384$217$118$63$25
46 years$631$366$203$109$57$22
47 years$611$350$191$101$52$19
48 years$591$334$180$93$47$17
49 years$572$319$169$86$43$15
50 years$555$304$159$80$39$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $568,000, adding $6,868 every year, while hoping to spend $31,984 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: 43/48/9 Blend
34$568,000$568,000$568,000$568,000
35$633,020$602,916$594,112$658,306
36$663,558$598,429$579,984$672,097
37$696,138$592,649$564,311$683,243
38$730,936$585,480$547,007$694,591
39$768,142$576,820$527,983$706,172
40$807,967$566,558$507,145$718,021
41$850,641$554,581$484,395$730,180
42$896,415$540,764$459,632$742,699
43$945,567$524,980$432,747$755,633
44$998,401$507,090$403,630$769,046
45$1,055,250$486,949$372,164$783,014
46$1,116,481$464,405$338,227$797,620
47$1,182,496$439,294$301,691$812,962
48$1,253,736$411,445$262,423$829,151
49$1,330,687$380,676$220,284$846,313
50$1,413,883$346,796$175,130$864,589
51$1,503,910$309,600$126,808$884,142
52$1,601,413$268,874$75,160$905,155
53$1,707,101$224,393$20,022$927,834
54$1,821,753$175,915$0$952,412
55$1,946,225$123,189$0$982,879
56$2,081,462$65,947$0$1,018,096
57$2,228,499$3,907$0$1,056,487
58$2,388,479$0$0$1,098,444
59$2,562,655$0$0$1,177,800
60$2,752,409$0$0$1,266,566
61$2,959,262$0$0$1,363,398
62$3,184,887$0$0$1,469,088
63$3,431,124$0$0$1,584,506
64$3,700,000$0$0$1,710,613
65$3,993,748$0$0$1,848,464
66$4,314,823$0$0$1,999,222
67$4,665,929$0$0$2,164,168
68$5,050,044$0$0$2,344,709
69$5,470,447$0$0$2,542,400
70$5,930,749$0$0$2,758,949
71$6,434,924$0$0$2,996,238
72$6,987,350$0$0$3,256,341
73$7,592,851$0$0$3,541,541
74$8,256,735$0$0$3,854,353
75$8,984,852$0$0$4,197,545
76$9,783,644$0$0$4,574,170
77$10,660,206$0$0$4,987,588
78$11,622,354$0$0$5,441,500
79$12,678,698$0$0$5,939,984
80$13,838,721$0$0$6,487,532
81$15,112,871$0$0$7,089,093
82$16,512,656$0$0$7,750,118
83$18,050,754$0$0$8,476,613
84$19,741,133$0$0$9,275,193
85$21,599,181$0$0$10,153,148
86$23,641,850$0$0$11,118,509
87$25,887,817$0$0$12,180,124
88$28,357,660$0$0$13,347,741
89$31,074,049$0$0$14,632,100
90$34,061,963$0$0$16,045,034
91$37,348,922$0$0$17,599,582
92$40,965,249$0$0$19,310,110
93$44,944,354$0$0$21,192,445
94$49,323,048$0$0$23,264,029
95$54,141,891$0$0$25,544,078
96$59,445,575$0$0$28,053,767
97$65,283,343$0$0$30,816,425
98$71,709,455$0$0$33,857,762
99$78,783,696$0$0$37,206,104
100$86,571,947$0$0$40,892,665