Can I retire at age 35 with 571,000?

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 $571,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$47,153$46,733$46,323$45,923$45,532$44,396
2 years$23,343$22,908$22,487$22,078$21,682$20,544
3 years$15,407$14,971$14,550$14,146$13,756$12,652
4 years$11,440$11,005$10,589$10,191$9,811$8,750
5 years$9,061$8,628$8,218$7,828$7,458$6,443
6 years$7,475$7,046$6,641$6,260$5,901$4,933
7 years$6,343$5,917$5,519$5,147$4,799$3,878
8 years$5,494$5,072$4,680$4,317$3,982$3,106
9 years$4,834$4,416$4,031$3,677$3,353$2,523
10 years$4,306$3,892$3,514$3,170$2,857$2,072
11 years$3,875$3,465$3,094$2,759$2,457$1,716
12 years$3,516$3,110$2,746$2,420$2,129$1,430
13 years$3,212$2,811$2,453$2,136$1,857$1,199
14 years$2,952$2,555$2,204$1,896$1,628$1,009
15 years$2,727$2,334$1,990$1,691$1,433$852
16 years$2,530$2,141$1,804$1,514$1,267$722
17 years$2,356$1,972$1,642$1,361$1,123$613
18 years$2,202$1,822$1,499$1,226$999$522
19 years$2,064$1,689$1,372$1,108$890$445
20 years$1,941$1,569$1,259$1,004$795$380
21 years$1,829$1,462$1,158$911$711$325
22 years$1,727$1,365$1,068$828$638$278
23 years$1,635$1,276$986$754$572$238
24 years$1,550$1,196$912$688$515$204
25 years$1,472$1,122$844$628$463$175
26 years$1,400$1,055$783$574$417$151
27 years$1,334$993$727$526$376$129
28 years$1,273$935$676$482$339$111
29 years$1,216$882$629$442$306$95
30 years$1,162$833$586$405$277$82
31 years$1,113$788$546$372$250$71
32 years$1,066$745$510$342$226$61
33 years$1,023$706$476$315$205$52
34 years$982$669$445$290$185$45
35 years$943$635$416$267$168$39
36 years$907$602$389$245$152$33
37 years$873$572$364$226$138$29
38 years$840$544$341$208$125$25
39 years$810$517$319$192$113$21
40 years$781$492$299$177$103$18
41 years$753$468$281$164$93$16
42 years$727$446$263$151$85$14
43 years$702$425$247$139$77$12
44 years$678$405$232$129$70$10
45 years$656$386$218$119$63$9
46 years$634$368$205$110$58$7
47 years$614$352$192$101$52$6
48 years$594$336$181$94$47$6
49 years$575$320$170$87$43$5
50 years$557$306$160$80$39$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $571,000, adding $2,077 every year, while hoping to spend $34,559 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: 49/27/24 Blend
34$571,000$571,000$571,000$571,000
35$631,384$601,121$592,271$657,945
36$659,015$593,806$575,341$669,366
37$688,306$584,974$556,687$678,136
38$719,390$574,514$536,212$686,965
39$752,411$562,309$513,819$695,873
40$787,530$548,235$489,405$704,885
41$824,920$532,160$462,862$714,032
42$864,771$513,945$434,077$723,348
43$907,291$493,442$402,932$732,875
44$952,710$470,496$369,305$742,663
45$1,001,276$444,940$333,067$752,767
46$1,053,266$416,601$294,084$763,254
47$1,108,979$385,295$252,216$774,198
48$1,168,745$350,825$207,315$785,687
49$1,232,927$312,985$159,230$797,819
50$1,301,922$271,558$107,801$810,708
51$1,376,166$226,313$52,861$824,484
52$1,456,139$177,006$0$839,293
53$1,542,367$123,381$0$856,779
54$1,635,428$65,166$0$890,195
55$1,735,957$2,074$0$926,251
56$1,844,651$0$0$965,238
57$1,962,279$0$0$1,027,148
58$2,089,683$0$0$1,094,922
59$2,227,791$0$0$1,168,443
60$2,377,622$0$0$1,248,261
61$2,540,298$0$0$1,334,981
62$2,717,051$0$0$1,429,268
63$2,909,240$0$0$1,531,852
64$3,118,355$0$0$1,643,539
65$3,346,040$0$0$1,765,215
66$3,594,102$0$0$1,897,853
67$3,864,529$0$0$2,042,527
68$4,159,510$0$0$2,200,418
69$4,481,454$0$0$2,372,824
70$4,833,014$0$0$2,561,176
71$5,217,107$0$0$2,767,050
72$5,636,949$0$0$2,992,178
73$6,096,077$0$0$3,238,471
74$6,598,387$0$0$3,508,030
75$7,148,169$0$0$3,803,169
76$7,750,146$0$0$4,126,439
77$8,409,520$0$0$4,480,645
78$9,132,020$0$0$4,868,880
79$9,923,953$0$0$5,294,548
80$10,792,268$0$0$5,761,399
81$11,744,617$0$0$6,273,563
82$12,789,430$0$0$6,835,589
83$13,935,989$0$0$7,452,490
84$15,194,522$0$0$8,129,783
85$16,576,292$0$0$8,873,550
86$18,093,709$0$0$9,690,490
87$19,760,442$0$0$10,587,980
88$21,591,548$0$0$11,574,149
89$23,603,616$0$0$12,657,953
90$25,814,922$0$0$13,849,257
91$28,245,599$0$0$15,158,930
92$30,917,828$0$0$16,598,946
93$33,856,046$0$0$18,182,500
94$37,087,178$0$0$19,924,125
95$40,640,886$0$0$21,839,836
96$44,549,853$0$0$23,947,279
97$48,850,088$0$0$26,265,895
98$53,581,266$0$0$28,817,102
99$58,787,100$0$0$31,624,504
100$64,515,757$0$0$34,714,105