Can I retire at age 35 with 572,000?

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 $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%11.9%
1 years$47,235$46,814$46,404$46,003$45,612$45,249
2 years$23,384$22,948$22,526$22,117$21,720$21,354
3 years$15,434$14,997$14,576$14,171$13,780$13,422
4 years$11,460$11,024$10,608$10,209$9,828$9,481
5 years$9,077$8,643$8,232$7,842$7,471$7,137
6 years$7,488$7,058$6,653$6,271$5,912$5,590
7 years$6,354$5,927$5,528$5,156$4,808$4,499
8 years$5,503$5,081$4,688$4,325$3,989$3,692
9 years$4,842$4,424$4,038$3,684$3,359$3,075
10 years$4,314$3,899$3,521$3,176$2,862$2,591
11 years$3,882$3,471$3,099$2,764$2,461$2,203
12 years$3,522$3,116$2,751$2,424$2,133$1,886
13 years$3,218$2,816$2,458$2,140$1,860$1,625
14 years$2,957$2,559$2,208$1,900$1,630$1,407
15 years$2,731$2,338$1,994$1,694$1,436$1,224
16 years$2,534$2,145$1,808$1,517$1,269$1,068
17 years$2,360$1,976$1,645$1,363$1,125$934
18 years$2,206$1,825$1,501$1,228$1,000$820
19 years$2,068$1,692$1,375$1,110$892$721
20 years$1,944$1,572$1,261$1,005$796$635
21 years$1,832$1,464$1,160$912$713$561
22 years$1,730$1,367$1,069$830$639$496
23 years$1,638$1,278$987$755$573$439
24 years$1,553$1,198$913$689$515$389
25 years$1,475$1,124$846$629$464$345
26 years$1,403$1,056$784$575$418$306
27 years$1,336$994$728$527$377$272
28 years$1,275$937$677$483$340$242
29 years$1,218$884$630$442$307$215
30 years$1,164$835$587$406$277$191
31 years$1,115$789$547$373$251$170
32 years$1,068$747$511$343$227$152
33 years$1,024$707$477$315$205$135
34 years$983$670$445$290$186$120
35 years$945$636$416$267$168$107
36 years$908$603$390$246$152$96
37 years$874$573$365$227$138$85
38 years$842$545$341$209$125$76
39 years$811$518$320$193$114$68
40 years$782$493$300$178$103$61
41 years$754$469$281$164$93$54
42 years$728$447$264$151$85$48
43 years$703$426$247$140$77$43
44 years$680$406$232$129$70$39
45 years$657$387$218$119$63$34
46 years$635$369$205$110$58$31
47 years$615$352$192$102$52$27
48 years$595$336$181$94$48$25
49 years$576$321$170$87$43$22
50 years$558$307$160$80$39$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $572,000, adding $5,398 every year, while hoping to spend $44,978 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: 47/34/19 Blend
34$572,000$572,000$572,000$572,000
35$635,912$605,596$596,730$662,138
36$652,919$587,414$568,864$662,781
37$670,153$566,834$538,557$658,523
38$687,590$543,690$505,680$652,954
39$705,201$517,808$470,098$645,971
40$722,955$489,003$431,669$637,465
41$740,812$457,081$390,247$627,315
42$758,731$421,834$345,676$615,398
43$776,662$383,044$297,796$601,577
44$794,549$340,480$246,440$585,709
45$812,328$293,899$191,431$567,639
46$829,928$243,043$132,586$547,203
47$847,268$187,639$69,715$524,223
48$864,255$127,399$2,616$498,512
49$880,789$62,021$0$469,866
50$896,752$0$0$452,055
51$912,017$0$0$435,635
52$926,439$0$0$441,948
53$939,855$0$0$447,703
54$952,086$0$0$452,807
55$962,930$0$0$457,153
56$972,162$0$0$460,625
57$979,534$0$0$463,092
58$984,765$0$0$464,408
59$987,548$0$0$464,411
60$987,538$0$0$462,923
61$984,355$0$0$459,744
62$977,573$0$0$454,654
63$966,722$0$0$447,406
64$951,283$0$0$437,731
65$930,676$0$0$425,326
66$904,262$0$0$409,859
67$871,331$0$0$390,960
68$831,098$0$0$368,221
69$782,695$0$0$341,191
70$725,160$0$0$309,369
71$657,429$0$0$272,202
72$578,326$0$0$229,080
73$486,550$0$0$179,326
74$380,665$0$0$122,194
75$259,080$0$0$56,859
76$120,040$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0