Can I retire at age 35 with 572,000?

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 $572,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$47,235$46,814$46,404$46,003$45,612$44,223
2 years$23,384$22,948$22,526$22,117$21,720$20,332
3 years$15,434$14,997$14,576$14,171$13,780$12,437
4 years$11,460$11,024$10,608$10,209$9,828$8,541
5 years$9,077$8,643$8,232$7,842$7,471$6,243
6 years$7,488$7,058$6,653$6,271$5,912$4,743
7 years$6,354$5,927$5,528$5,156$4,808$3,699
8 years$5,503$5,081$4,688$4,325$3,989$2,939
9 years$4,842$4,424$4,038$3,684$3,359$2,367
10 years$4,314$3,899$3,521$3,176$2,862$1,927
11 years$3,882$3,471$3,099$2,764$2,461$1,581
12 years$3,522$3,116$2,751$2,424$2,133$1,306
13 years$3,218$2,816$2,458$2,140$1,860$1,084
14 years$2,957$2,559$2,208$1,900$1,630$904
15 years$2,731$2,338$1,994$1,694$1,436$756
16 years$2,534$2,145$1,808$1,517$1,269$634
17 years$2,360$1,976$1,645$1,363$1,125$533
18 years$2,206$1,825$1,501$1,228$1,000$449
19 years$2,068$1,692$1,375$1,110$892$379
20 years$1,944$1,572$1,261$1,005$796$320
21 years$1,832$1,464$1,160$912$713$271
22 years$1,730$1,367$1,069$830$639$229
23 years$1,638$1,278$987$755$573$194
24 years$1,553$1,198$913$689$515$165
25 years$1,475$1,124$846$629$464$140
26 years$1,403$1,056$784$575$418$119
27 years$1,336$994$728$527$377$101
28 years$1,275$937$677$483$340$86
29 years$1,218$884$630$442$307$73
30 years$1,164$835$587$406$277$62
31 years$1,115$789$547$373$251$53
32 years$1,068$747$511$343$227$45
33 years$1,024$707$477$315$205$38
34 years$983$670$445$290$186$32
35 years$945$636$416$267$168$27
36 years$908$603$390$246$152$23
37 years$874$573$365$227$138$20
38 years$842$545$341$209$125$17
39 years$811$518$320$193$114$14
40 years$782$493$300$178$103$12
41 years$754$469$281$164$93$10
42 years$728$447$264$151$85$9
43 years$703$426$247$140$77$8
44 years$680$406$232$129$70$6
45 years$657$387$218$119$63$5
46 years$635$369$205$110$58$5
47 years$615$352$192$102$52$4
48 years$595$336$181$94$48$3
49 years$576$321$170$87$43$3
50 years$558$307$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 $572,000, adding $3,954 every year, while hoping to spend $38,908 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: 65/25/10 Blend
34$572,000$572,000$572,000$572,000
35$634,423$604,107$595,241$674,048
36$657,736$592,310$573,783$689,160
37$682,123$578,631$550,303$700,722
38$707,653$562,937$524,691$712,356
39$734,399$545,087$496,834$724,068
40$762,442$524,930$466,612$735,863
41$791,869$502,310$433,902$747,750
42$822,775$477,059$398,573$759,739
43$855,263$448,999$360,490$771,844
44$889,444$417,945$319,511$784,081
45$925,440$383,697$275,488$796,471
46$963,385$346,047$228,266$809,038
47$1,003,421$304,775$177,684$821,810
48$1,045,707$259,646$123,573$834,822
49$1,090,413$210,413$65,757$848,114
50$1,137,729$156,817$4,054$861,733
51$1,187,857$98,581$0$875,734
52$1,241,023$35,415$0$896,774
53$1,297,469$0$0$919,221
54$1,357,463$0$0$951,826
55$1,421,298$0$0$996,904
56$1,489,293$0$0$1,044,942
57$1,561,799$0$0$1,096,190
58$1,639,199$0$0$1,150,923
59$1,721,915$0$0$1,209,440
60$1,810,406$0$0$1,272,071
61$1,905,178$0$0$1,339,177
62$2,006,785$0$0$1,411,155
63$2,115,836$0$0$1,488,439
64$2,232,996$0$0$1,571,507
65$2,359,000$0$0$1,660,882
66$2,494,651$0$0$1,757,139
67$2,640,831$0$0$1,860,910
68$2,798,512$0$0$1,972,889
69$2,968,757$0$0$2,093,838
70$3,152,739$0$0$2,224,595
71$3,351,744$0$0$2,366,080
72$3,567,186$0$0$2,519,306
73$3,800,621$0$0$2,685,385
74$4,053,758$0$0$2,865,541
75$4,328,477$0$0$3,061,120
76$4,626,846$0$0$3,273,602
77$4,951,140$0$0$3,504,615
78$5,303,862$0$0$3,755,950
79$5,687,764$0$0$4,029,578
80$6,105,875$0$0$4,327,667
81$6,561,529$0$0$4,652,605
82$7,058,396$0$0$5,007,016
83$7,600,511$0$0$5,393,793
84$8,192,321$0$0$5,816,117
85$8,838,716$0$0$6,277,490
86$9,545,083$0$0$6,781,770
87$10,317,352$0$0$7,333,202
88$11,162,050$0$0$7,936,460
89$12,086,366$0$0$8,596,692
90$13,098,214$0$0$9,319,564
91$14,206,311$0$0$10,111,319
92$15,420,253$0$0$10,978,829
93$16,750,612$0$0$11,929,665
94$18,209,029$0$0$12,972,161
95$19,808,325$0$0$14,115,502
96$21,562,621$0$0$15,369,798
97$23,487,472$0$0$16,746,190
98$25,600,009$0$0$18,256,947
99$27,919,105$0$0$19,915,585
100$30,465,548$0$0$21,736,991