Can I retire at age 35 with 569,000?

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 $569,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$46,987$46,569$46,161$45,762$45,373$45,011
2 years$23,261$22,828$22,408$22,001$21,606$21,242
3 years$15,353$14,918$14,499$14,096$13,708$13,352
4 years$11,400$10,967$10,552$10,156$9,777$9,432
5 years$9,029$8,598$8,189$7,800$7,432$7,099
6 years$7,449$7,021$6,618$6,238$5,881$5,561
7 years$6,320$5,896$5,499$5,129$4,783$4,475
8 years$5,475$5,054$4,664$4,302$3,968$3,673
9 years$4,817$4,400$4,017$3,665$3,341$3,059
10 years$4,291$3,879$3,502$3,159$2,847$2,577
11 years$3,861$3,453$3,083$2,749$2,448$2,191
12 years$3,503$3,099$2,736$2,411$2,122$1,877
13 years$3,201$2,801$2,445$2,129$1,850$1,617
14 years$2,942$2,546$2,197$1,890$1,622$1,400
15 years$2,717$2,326$1,983$1,685$1,428$1,217
16 years$2,521$2,134$1,798$1,509$1,262$1,062
17 years$2,348$1,965$1,636$1,356$1,119$930
18 years$2,194$1,816$1,494$1,222$995$816
19 years$2,057$1,683$1,367$1,104$887$717
20 years$1,934$1,564$1,255$1,000$792$632
21 years$1,822$1,457$1,154$908$709$558
22 years$1,721$1,360$1,064$825$635$493
23 years$1,629$1,272$982$752$570$436
24 years$1,545$1,192$908$685$513$387
25 years$1,467$1,118$841$626$461$343
26 years$1,395$1,051$780$572$416$304
27 years$1,329$989$725$524$375$270
28 years$1,268$932$674$480$338$240
29 years$1,211$879$627$440$305$214
30 years$1,158$830$584$404$276$190
31 years$1,109$785$544$371$249$169
32 years$1,062$743$508$341$226$151
33 years$1,019$703$474$314$204$134
34 years$978$667$443$288$185$120
35 years$940$632$414$266$167$107
36 years$904$600$388$245$152$95
37 years$870$570$363$225$137$85
38 years$837$542$340$208$125$76
39 years$807$515$318$192$113$68
40 years$778$490$298$177$103$60
41 years$750$466$280$163$93$54
42 years$724$444$262$150$84$48
43 years$700$423$246$139$77$43
44 years$676$403$231$128$70$38
45 years$654$385$217$118$63$34
46 years$632$367$204$109$57$31
47 years$612$350$191$101$52$27
48 years$592$334$180$93$47$24
49 years$573$319$169$86$43$22
50 years$556$305$159$80$39$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $569,000, adding $2,711 every year, while hoping to spend $38,528 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: 81/5/14 Blend
34$569,000$569,000$569,000$569,000
35$629,834$599,677$590,858$678,896
36$653,084$588,068$569,658$699,903
37$677,414$574,599$546,457$717,673
38$702,893$559,137$521,146$736,063
39$729,598$541,544$493,614$755,117
40$757,609$521,672$463,742$774,883
41$787,015$499,364$431,408$795,414
42$817,913$474,455$396,483$816,770
43$850,407$446,771$358,832$839,015
44$884,611$416,125$318,315$862,220
45$920,649$382,323$274,786$886,466
46$958,656$345,157$228,092$911,839
47$998,779$304,410$178,073$938,437
48$1,041,177$259,849$124,562$966,366
49$1,086,028$211,232$67,385$995,746
50$1,133,520$158,300$6,360$1,026,706
51$1,183,863$100,780$0$1,059,391
52$1,237,285$38,386$0$1,102,740
53$1,294,035$0$0$1,149,735
54$1,354,385$0$0$1,201,258
55$1,418,635$0$0$1,258,367
56$1,487,110$0$0$1,319,239
57$1,560,169$0$0$1,384,195
58$1,638,203$0$0$1,453,584
59$1,721,642$0$0$1,527,789
60$1,810,956$0$0$1,607,229
61$1,906,662$0$0$1,692,367
62$2,009,326$0$0$1,783,706
63$2,119,570$0$0$1,881,801
64$2,238,076$0$0$1,987,261
65$2,365,591$0$0$2,100,754
66$2,502,939$0$0$2,223,012
67$2,651,023$0$0$2,354,843
68$2,810,833$0$0$2,497,131
69$2,983,461$0$0$2,650,847
70$3,170,103$0$0$2,817,062
71$3,372,076$0$0$2,996,949
72$3,590,827$0$0$3,191,800
73$3,827,947$0$0$3,403,034
74$4,085,185$0$0$3,632,213
75$4,364,465$0$0$3,881,053
76$4,667,903$0$0$4,151,444
77$4,997,827$0$0$4,445,461
78$5,356,798$0$0$4,765,391
79$5,747,633$0$0$5,113,748
80$6,173,434$0$0$5,493,300
81$6,637,612$0$0$5,907,092
82$7,143,922$0$0$6,358,475
83$7,696,498$0$0$6,851,138
84$8,299,890$0$0$7,389,142
85$8,959,106$0$0$7,976,957
86$9,679,659$0$0$8,619,503
87$10,467,621$0$0$9,322,200
88$11,329,674$0$0$10,091,012
89$12,273,180$0$0$10,932,508
90$13,306,241$0$0$11,853,922
91$14,437,782$0$0$12,863,218
92$15,677,631$0$0$13,969,169
93$17,036,612$0$0$15,181,434
94$18,526,644$0$0$16,510,654
95$20,160,856$0$0$17,968,547
96$21,953,710$0$0$19,568,020
97$23,921,133$0$0$21,323,290
98$26,080,669$0$0$23,250,016
99$28,451,645$0$0$25,365,448
100$31,055,350$0$0$27,688,588