Can I retire at age 35 with 571,000?

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 $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%18.1%
1 years$47,153$46,733$46,323$45,923$45,532$44,040
2 years$23,343$22,908$22,487$22,078$21,682$20,192
3 years$15,407$14,971$14,550$14,146$13,756$12,316
4 years$11,440$11,005$10,589$10,191$9,811$8,432
5 years$9,061$8,628$8,218$7,828$7,458$6,144
6 years$7,475$7,046$6,641$6,260$5,901$4,652
7 years$6,343$5,917$5,519$5,147$4,799$3,616
8 years$5,494$5,072$4,680$4,317$3,982$2,863
9 years$4,834$4,416$4,031$3,677$3,353$2,298
10 years$4,306$3,892$3,514$3,170$2,857$1,863
11 years$3,875$3,465$3,094$2,759$2,457$1,523
12 years$3,516$3,110$2,746$2,420$2,129$1,253
13 years$3,212$2,811$2,453$2,136$1,857$1,036
14 years$2,952$2,555$2,204$1,896$1,628$860
15 years$2,727$2,334$1,990$1,691$1,433$716
16 years$2,530$2,141$1,804$1,514$1,267$598
17 years$2,356$1,972$1,642$1,361$1,123$501
18 years$2,202$1,822$1,499$1,226$999$420
19 years$2,064$1,689$1,372$1,108$890$353
20 years$1,941$1,569$1,259$1,004$795$297
21 years$1,829$1,462$1,158$911$711$250
22 years$1,727$1,365$1,068$828$638$211
23 years$1,635$1,276$986$754$572$178
24 years$1,550$1,196$912$688$515$150
25 years$1,472$1,122$844$628$463$127
26 years$1,400$1,055$783$574$417$107
27 years$1,334$993$727$526$376$90
28 years$1,273$935$676$482$339$76
29 years$1,216$882$629$442$306$65
30 years$1,162$833$586$405$277$55
31 years$1,113$788$546$372$250$46
32 years$1,066$745$510$342$226$39
33 years$1,023$706$476$315$205$33
34 years$982$669$445$290$185$28
35 years$943$635$416$267$168$24
36 years$907$602$389$245$152$20
37 years$873$572$364$226$138$17
38 years$840$544$341$208$125$14
39 years$810$517$319$192$113$12
40 years$781$492$299$177$103$10
41 years$753$468$281$164$93$9
42 years$727$446$263$151$85$7
43 years$702$425$247$139$77$6
44 years$678$405$232$129$70$5
45 years$656$386$218$119$63$4
46 years$634$368$205$110$58$4
47 years$614$352$192$101$52$3
48 years$594$336$181$94$47$3
49 years$575$320$170$87$43$2
50 years$557$306$160$80$39$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $571,000, adding $2,697 every year, while hoping to spend $26,394 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: 48/25/27 Blend
34$571,000$571,000$571,000$571,000
35$632,024$601,761$592,910$657,380
36$668,407$603,164$584,690$676,868
37$707,617$603,752$575,309$695,207
38$749,914$603,455$564,702$714,607
39$795,584$602,203$552,798$735,181
40$844,941$599,919$539,525$757,054
41$898,332$596,522$524,805$780,368
42$956,135$591,924$508,560$805,277
43$1,018,769$586,037$490,704$831,956
44$1,086,692$578,761$471,152$860,598
45$1,160,409$569,995$449,810$891,417
46$1,240,477$559,631$426,584$924,652
47$1,327,504$547,552$401,374$960,569
48$1,422,165$533,637$374,075$999,461
49$1,525,197$517,756$344,578$1,041,655
50$1,637,415$499,774$312,769$1,087,515
51$1,759,713$479,545$278,529$1,137,442
52$1,893,077$456,916$241,733$1,191,883
53$2,038,592$431,726$202,252$1,251,333
54$2,197,450$403,802$159,949$1,316,341
55$2,370,965$372,964$114,683$1,387,514
56$2,560,585$339,020$66,305$1,465,526
57$2,767,900$301,768$14,663$1,551,123
58$2,994,666$260,994$0$1,645,132
59$3,242,811$216,472$0$1,760,121
60$3,514,462$167,963$0$1,890,715
61$3,811,959$115,215$0$2,033,857
62$4,137,879$57,962$0$2,190,840
63$4,495,063$0$0$2,363,092
64$4,886,635$0$0$2,553,311
65$5,316,040$0$0$2,779,455
66$5,787,069$0$0$3,027,587
67$6,303,900$0$0$3,299,913
68$6,871,135$0$0$3,598,868
69$7,493,841$0$0$3,927,130
70$8,177,601$0$0$4,287,652
71$8,928,565$0$0$4,683,686
72$9,753,509$0$0$5,118,815
73$10,659,895$0$0$5,596,984
74$11,655,945$0$0$6,122,542
75$12,750,718$0$0$6,700,279
76$13,954,193$0$0$7,335,473
77$15,277,364$0$0$8,033,936
78$16,732,342$0$0$8,802,076
79$18,332,475$0$0$9,646,949
80$20,092,464$0$0$10,576,331
81$22,028,509$0$0$11,598,791
82$24,158,460$0$0$12,723,767
83$26,501,981$0$0$13,961,661
84$29,080,741$0$0$15,323,932
85$31,918,615$0$0$16,823,207
86$35,041,908$0$0$18,473,400
87$38,479,607$0$0$20,289,840
88$42,263,648$0$0$22,289,420
89$46,429,225$0$0$24,490,753
90$51,015,112$0$0$26,914,348
91$56,064,039$0$0$29,582,804
92$61,623,086$0$0$32,521,023
93$67,744,131$0$0$35,756,445
94$74,484,341$0$0$39,319,306
95$81,906,708$0$0$43,242,923
96$90,080,642$0$0$47,564,010
97$99,082,630$0$0$52,323,023
98$108,996,954$0$0$57,564,540
99$119,916,489$0$0$63,337,687
100$131,943,574$0$0$69,696,593