Can I retire at age 35 with 569,000?

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 $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%15.4%
1 years$46,987$46,569$46,161$45,762$45,373$44,366
2 years$23,261$22,828$22,408$22,001$21,606$20,597
3 years$15,353$14,918$14,499$14,096$13,708$12,728
4 years$11,400$10,967$10,552$10,156$9,777$8,833
5 years$9,029$8,598$8,189$7,800$7,432$6,528
6 years$7,449$7,021$6,618$6,238$5,881$5,017
7 years$6,320$5,896$5,499$5,129$4,783$3,960
8 years$5,475$5,054$4,664$4,302$3,968$3,185
9 years$4,817$4,400$4,017$3,665$3,341$2,598
10 years$4,291$3,879$3,502$3,159$2,847$2,143
11 years$3,861$3,453$3,083$2,749$2,448$1,782
12 years$3,503$3,099$2,736$2,411$2,122$1,492
13 years$3,201$2,801$2,445$2,129$1,850$1,257
14 years$2,942$2,546$2,197$1,890$1,622$1,063
15 years$2,717$2,326$1,983$1,685$1,428$902
16 years$2,521$2,134$1,798$1,509$1,262$768
17 years$2,348$1,965$1,636$1,356$1,119$656
18 years$2,194$1,816$1,494$1,222$995$561
19 years$2,057$1,683$1,367$1,104$887$481
20 years$1,934$1,564$1,255$1,000$792$413
21 years$1,822$1,457$1,154$908$709$355
22 years$1,721$1,360$1,064$825$635$306
23 years$1,629$1,272$982$752$570$263
24 years$1,545$1,192$908$685$513$227
25 years$1,467$1,118$841$626$461$196
26 years$1,395$1,051$780$572$416$169
27 years$1,329$989$725$524$375$146
28 years$1,268$932$674$480$338$126
29 years$1,211$879$627$440$305$109
30 years$1,158$830$584$404$276$94
31 years$1,109$785$544$371$249$82
32 years$1,062$743$508$341$226$71
33 years$1,019$703$474$314$204$61
34 years$978$667$443$288$185$53
35 years$940$632$414$266$167$46
36 years$904$600$388$245$152$40
37 years$870$570$363$225$137$34
38 years$837$542$340$208$125$30
39 years$807$515$318$192$113$26
40 years$778$490$298$177$103$22
41 years$750$466$280$163$93$19
42 years$724$444$262$150$84$17
43 years$700$423$246$139$77$14
44 years$676$403$231$128$70$13
45 years$654$385$217$118$63$11
46 years$632$367$204$109$57$9
47 years$612$350$191$101$52$8
48 years$592$334$180$93$47$7
49 years$573$319$169$86$43$6
50 years$556$305$159$80$39$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $569,000, adding $3,098 every year, while hoping to spend $23,884 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: 25/48/27 Blend
34$569,000$569,000$569,000$569,000
35$630,234$600,077$591,257$640,582
36$669,105$604,068$585,652$653,398
37$711,141$607,454$579,058$664,890
38$756,639$610,181$571,418$676,714
39$805,925$612,190$562,670$688,912
40$859,361$613,418$552,751$701,535
41$917,341$613,801$541,593$714,640
42$980,300$613,267$529,127$728,292
43$1,048,716$611,743$515,278$742,565
44$1,123,117$609,150$499,971$757,543
45$1,204,080$605,404$483,126$773,321
46$1,292,243$600,416$464,658$790,007
47$1,388,308$594,092$444,480$807,721
48$1,493,045$586,332$422,499$826,601
49$1,607,304$577,030$398,622$846,800
50$1,732,019$566,075$372,746$868,492
51$1,868,220$553,347$344,767$891,871
52$2,017,038$538,721$314,577$917,156
53$2,179,721$522,064$282,060$944,590
54$2,357,642$503,234$247,098$974,449
55$2,552,311$482,082$209,566$1,007,038
56$2,765,394$458,451$169,333$1,042,701
57$2,998,722$432,174$126,264$1,081,820
58$3,254,315$403,073$80,217$1,124,823
59$3,534,395$370,963$31,044$1,172,187
60$3,841,409$335,646$0$1,224,444
61$4,178,053$296,914$0$1,288,362
62$4,547,297$254,545$0$1,368,371
63$4,952,411$208,307$0$1,456,302
64$5,396,997$157,955$0$1,553,023
65$5,885,023$103,227$0$1,659,497
66$6,420,861$43,850$0$1,776,788
67$7,009,324$0$0$1,906,076
68$7,655,716$0$0$2,059,479
69$8,365,881$0$0$2,253,565
70$9,146,255$0$0$2,466,944
71$10,003,930$0$0$2,701,569
72$10,946,717$0$0$2,959,590
73$11,983,224$0$0$3,243,376
74$13,122,932$0$0$3,555,538
75$14,376,290$0$0$3,898,954
76$15,754,807$0$0$4,276,791
77$17,271,165$0$0$4,692,543
78$18,939,336$0$0$5,150,055
79$20,774,716$0$0$5,653,569
80$22,794,267$0$0$6,207,755
81$25,016,679$0$0$6,817,759
82$27,462,545$0$0$7,489,254
83$30,154,556$0$0$8,228,487
84$33,117,712$0$0$9,042,345
85$36,379,564$0$0$9,938,416
86$39,970,466$0$0$10,925,058
87$43,923,865$0$0$12,011,485
88$48,276,618$0$0$13,207,848
89$53,069,337$0$0$14,525,333
90$58,346,770$0$0$15,976,265
91$64,158,229$0$0$17,574,226
92$70,558,050$0$0$19,334,184
93$77,606,107$0$0$21,272,630
94$85,368,375$0$0$23,407,738
95$93,917,559$0$0$25,759,533
96$103,333,770$0$0$28,350,085
97$113,705,287$0$0$31,203,709
98$125,129,391$0$0$34,347,204
99$137,713,278$0$0$37,810,097
100$151,575,073$0$0$41,624,930