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%15.1%
1 years$47,235$46,814$46,404$46,003$45,612$44,655
2 years$23,384$22,948$22,526$22,117$21,720$20,760
3 years$15,434$14,997$14,576$14,171$13,780$12,847
4 years$11,460$11,024$10,608$10,209$9,828$8,930
5 years$9,077$8,643$8,232$7,842$7,471$6,610
6 years$7,488$7,058$6,653$6,271$5,912$5,088
7 years$6,354$5,927$5,528$5,156$4,808$4,023
8 years$5,503$5,081$4,688$4,325$3,989$3,241
9 years$4,842$4,424$4,038$3,684$3,359$2,649
10 years$4,314$3,899$3,521$3,176$2,862$2,189
11 years$3,882$3,471$3,099$2,764$2,461$1,824
12 years$3,522$3,116$2,751$2,424$2,133$1,530
13 years$3,218$2,816$2,458$2,140$1,860$1,291
14 years$2,957$2,559$2,208$1,900$1,630$1,094
15 years$2,731$2,338$1,994$1,694$1,436$931
16 years$2,534$2,145$1,808$1,517$1,269$794
17 years$2,360$1,976$1,645$1,363$1,125$680
18 years$2,206$1,825$1,501$1,228$1,000$583
19 years$2,068$1,692$1,375$1,110$892$501
20 years$1,944$1,572$1,261$1,005$796$431
21 years$1,832$1,464$1,160$912$713$371
22 years$1,730$1,367$1,069$830$639$320
23 years$1,638$1,278$987$755$573$276
24 years$1,553$1,198$913$689$515$239
25 years$1,475$1,124$846$629$464$207
26 years$1,403$1,056$784$575$418$179
27 years$1,336$994$728$527$377$155
28 years$1,275$937$677$483$340$134
29 years$1,218$884$630$442$307$116
30 years$1,164$835$587$406$277$101
31 years$1,115$789$547$373$251$87
32 years$1,068$747$511$343$227$76
33 years$1,024$707$477$315$205$66
34 years$983$670$445$290$186$57
35 years$945$636$416$267$168$49
36 years$908$603$390$246$152$43
37 years$874$573$365$227$138$37
38 years$842$545$341$209$125$32
39 years$811$518$320$193$114$28
40 years$782$493$300$178$103$24
41 years$754$469$281$164$93$21
42 years$728$447$264$151$85$18
43 years$703$426$247$140$77$16
44 years$680$406$232$129$70$14
45 years$657$387$218$119$63$12
46 years$635$369$205$110$58$10
47 years$615$352$192$102$52$9
48 years$595$336$181$94$48$8
49 years$576$321$170$87$43$7
50 years$558$307$160$80$39$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $572,000, adding $3,946 every year, while hoping to spend $30,189 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: 33/47/20 Blend
34$572,000$572,000$572,000$572,000
35$634,414$604,098$595,232$651,326
36$667,004$601,578$583,052$661,712
37$701,905$597,923$569,451$669,855
38$739,323$593,045$554,352$678,002
39$779,481$586,851$537,669$686,172
40$822,625$579,243$519,318$694,388
41$869,024$570,118$499,206$702,678
42$918,974$559,363$477,239$711,075
43$972,801$546,863$453,318$719,619
44$1,030,860$532,493$427,338$728,358
45$1,093,545$516,122$399,191$737,346
46$1,161,286$497,611$368,763$746,650
47$1,234,557$476,814$335,936$756,344
48$1,313,878$453,574$300,587$766,516
49$1,399,822$427,728$262,585$777,266
50$1,493,018$399,101$221,796$788,708
51$1,594,159$367,509$178,078$800,976
52$1,704,004$332,759$131,285$814,219
53$1,823,392$294,643$81,262$828,609
54$1,953,243$252,946$27,850$844,341
55$2,094,570$207,437$0$861,635
56$2,248,489$157,874$0$886,963
57$2,416,227$104,001$0$921,132
58$2,599,132$45,548$0$958,550
59$2,798,693$0$0$999,617
60$3,016,544$0$0$1,053,970
61$3,254,485$0$0$1,139,144
62$3,514,500$0$0$1,232,303
63$3,798,770$0$0$1,334,239
64$4,109,698$0$0$1,445,823
65$4,449,929$0$0$1,568,017
66$4,822,377$0$0$1,701,879
67$5,230,249$0$0$1,848,573
68$5,677,078$0$0$2,009,383
69$6,166,753$0$0$2,185,721
70$6,703,560$0$0$2,379,145
71$7,292,217$0$0$2,591,367
72$7,937,920$0$0$2,824,278
73$8,646,396$0$0$3,079,955
74$9,423,948$0$0$3,360,692
75$10,277,522$0$0$3,669,010
76$11,214,770$0$0$4,007,692
77$12,244,118$0$0$4,379,798
78$13,374,852$0$0$4,788,704
79$14,617,198$0$0$5,238,127
80$15,982,424$0$0$5,732,162
81$17,482,942$0$0$6,275,320
82$19,132,428$0$0$6,872,573
83$20,945,948$0$0$7,529,396
84$22,940,100$0$0$8,251,824
85$25,133,172$0$0$9,046,503
86$27,545,313$0$0$9,920,759
87$30,198,721$0$0$10,882,662
88$33,117,857$0$0$11,941,104
89$36,329,668$0$0$13,105,881
90$39,863,849$0$0$14,387,790
91$43,753,116$0$0$15,798,724
92$48,033,517$0$0$17,351,790
93$52,744,773$0$0$19,061,429
94$57,930,650$0$0$20,943,553
95$63,639,373$0$0$23,015,697
96$69,924,079$0$0$25,297,180
97$76,843,320$0$0$27,809,292
98$84,461,614$0$0$30,575,491
99$92,850,052$0$0$33,621,626
100$102,086,971$0$0$36,976,181