Can I retire at age 35 with 570,000?

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 $570,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$47,070$46,651$46,242$45,842$45,453$44,681
2 years$23,302$22,868$22,447$22,040$21,644$20,869
3 years$15,380$14,945$14,525$14,121$13,732$12,978
4 years$11,420$10,986$10,570$10,173$9,794$9,066
5 years$9,045$8,613$8,203$7,814$7,445$6,746
6 years$7,462$7,033$6,629$6,249$5,891$5,222
7 years$6,331$5,906$5,509$5,138$4,791$4,151
8 years$5,484$5,063$4,672$4,310$3,975$3,364
9 years$4,825$4,408$4,024$3,671$3,347$2,766
10 years$4,299$3,886$3,508$3,164$2,852$2,299
11 years$3,868$3,459$3,089$2,754$2,453$1,928
12 years$3,510$3,105$2,741$2,416$2,126$1,628
13 years$3,206$2,806$2,449$2,133$1,853$1,383
14 years$2,947$2,550$2,200$1,893$1,625$1,180
15 years$2,722$2,330$1,987$1,688$1,431$1,011
16 years$2,525$2,138$1,801$1,512$1,264$869
17 years$2,352$1,969$1,639$1,358$1,121$749
18 years$2,198$1,819$1,496$1,224$997$647
19 years$2,061$1,686$1,370$1,106$888$560
20 years$1,937$1,567$1,257$1,002$794$485
21 years$1,826$1,459$1,156$909$710$421
22 years$1,724$1,362$1,066$827$637$366
23 years$1,632$1,274$984$753$571$319
24 years$1,547$1,194$910$687$514$277
25 years$1,470$1,120$843$627$462$242
26 years$1,398$1,053$782$573$416$211
27 years$1,332$991$726$525$375$184
28 years$1,270$934$675$481$339$161
29 years$1,213$881$628$441$306$140
30 years$1,160$832$585$405$276$123
31 years$1,111$786$545$372$250$107
32 years$1,064$744$509$342$226$94
33 years$1,021$705$475$314$205$82
34 years$980$668$444$289$185$72
35 years$942$633$415$266$168$63
36 years$905$601$388$245$152$55
37 years$871$571$363$226$138$48
38 years$839$543$340$208$125$42
39 years$808$516$319$192$113$37
40 years$779$491$299$177$103$32
41 years$752$467$280$163$93$28
42 years$726$445$263$151$85$25
43 years$701$424$247$139$77$22
44 years$677$404$231$128$70$19
45 years$655$385$217$119$63$17
46 years$633$368$204$110$57$15
47 years$613$351$192$101$52$13
48 years$593$335$180$94$47$11
49 years$574$320$169$86$43$10
50 years$557$306$159$80$39$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $570,000, adding $6,006 every year, while hoping to spend $32,548 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: 40/39/21 Blend
34$570,000$570,000$570,000$570,000
35$634,335$604,125$595,290$655,553
36$664,407$599,097$580,602$666,296
37$696,454$592,731$564,330$674,360
38$730,646$584,927$546,388$682,420
39$767,164$575,581$526,685$690,495
40$806,210$564,580$505,124$698,607
41$848,004$551,805$481,606$706,781
42$892,786$537,129$456,026$715,051
43$940,823$520,421$428,275$723,455
44$992,404$501,539$398,239$732,039
45$1,047,848$480,333$365,799$740,856
46$1,107,505$456,646$330,830$749,970
47$1,171,760$430,311$293,202$759,452
48$1,241,034$401,151$252,779$769,389
49$1,315,792$368,980$209,420$779,876
50$1,396,543$333,599$162,975$791,025
51$1,483,846$294,801$113,290$802,965
52$1,578,316$252,365$60,204$815,841
53$1,680,631$206,058$3,548$829,821
54$1,791,534$155,633$0$845,092
55$1,911,843$100,832$0$874,622
56$2,042,457$41,378$0$907,578
57$2,184,365$0$0$943,482
58$2,338,655$0$0$992,565
59$2,506,524$0$0$1,065,355
60$2,689,290$0$0$1,144,674
61$2,888,402$0$0$1,231,158
62$3,105,455$0$0$1,325,510
63$3,342,203$0$0$1,428,503
64$3,600,580$0$0$1,540,986
65$3,882,712$0$0$1,663,896
66$4,190,939$0$0$1,798,263
67$4,527,840$0$0$1,945,222
68$4,896,251$0$0$2,106,023
69$5,299,298$0$0$2,282,040
70$5,740,419$0$0$2,474,788
71$6,223,404$0$0$2,685,937
72$6,752,423$0$0$2,917,322
73$7,332,070$0$0$3,170,968
74$7,967,404$0$0$3,449,101
75$8,663,998$0$0$3,754,178
76$9,427,988$0$0$4,088,900
77$10,266,133$0$0$4,456,245
78$11,185,878$0$0$4,859,493
79$12,195,424$0$0$5,302,257
80$13,303,805$0$0$5,788,516
81$14,520,970$0$0$6,322,655
82$15,857,882$0$0$6,909,502
83$17,326,615$0$0$7,554,380
84$18,940,473$0$0$8,263,148
85$20,714,111$0$0$9,042,264
86$22,663,673$0$0$9,898,843
87$24,806,948$0$0$10,840,722
88$27,163,531$0$0$11,876,538
89$29,755,014$0$0$13,015,803
90$32,605,183$0$0$14,269,001
91$35,740,247$0$0$15,647,681
92$39,189,082$0$0$17,164,569
93$42,983,502$0$0$18,833,685
94$47,158,563$0$0$20,670,479
95$51,752,889$0$0$22,691,971
96$56,809,037$0$0$24,916,919
97$62,373,898$0$0$27,365,988
98$68,499,141$0$0$30,061,950
99$75,241,697$0$0$33,029,896
100$82,664,296$0$0$36,297,473