Can I retire at age 35 with 573,000?

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 $573,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$47,318$46,896$46,485$46,084$45,692$45,309
2 years$23,425$22,988$22,566$22,156$21,758$21,372
3 years$15,461$15,023$14,601$14,195$13,804$13,427
4 years$11,480$11,044$10,626$10,227$9,845$9,480
5 years$9,093$8,658$8,246$7,855$7,484$7,132
6 years$7,501$7,070$6,664$6,282$5,922$5,583
7 years$6,365$5,938$5,538$5,165$4,816$4,491
8 years$5,513$5,090$4,697$4,333$3,995$3,684
9 years$4,851$4,431$4,045$3,690$3,365$3,066
10 years$4,321$3,906$3,527$3,181$2,867$2,582
11 years$3,888$3,477$3,105$2,769$2,466$2,194
12 years$3,528$3,121$2,755$2,428$2,137$1,877
13 years$3,223$2,821$2,462$2,144$1,863$1,616
14 years$2,962$2,564$2,212$1,903$1,633$1,399
15 years$2,736$2,342$1,997$1,697$1,438$1,215
16 years$2,539$2,149$1,811$1,520$1,271$1,060
17 years$2,364$1,979$1,648$1,365$1,127$927
18 years$2,210$1,829$1,504$1,231$1,002$813
19 years$2,072$1,695$1,377$1,112$893$714
20 years$1,947$1,575$1,264$1,007$798$629
21 years$1,835$1,467$1,162$914$714$555
22 years$1,733$1,369$1,071$831$640$490
23 years$1,640$1,281$989$757$574$433
24 years$1,555$1,200$915$690$516$383
25 years$1,477$1,126$847$630$465$340
26 years$1,405$1,058$786$576$418$301
27 years$1,339$996$730$528$377$268
28 years$1,277$939$678$483$340$238
29 years$1,220$885$631$443$307$211
30 years$1,166$836$588$407$278$188
31 years$1,117$790$548$374$251$167
32 years$1,070$748$511$343$227$149
33 years$1,026$708$478$316$206$132
34 years$985$671$446$291$186$118
35 years$946$637$417$267$169$105
36 years$910$604$390$246$153$94
37 years$876$574$365$227$138$83
38 years$843$545$342$209$126$74
39 years$813$519$320$193$114$66
40 years$783$494$300$178$103$59
41 years$756$470$282$164$94$53
42 years$730$447$264$151$85$47
43 years$705$426$248$140$77$42
44 years$681$406$233$129$70$37
45 years$658$387$219$119$64$33
46 years$637$370$205$110$58$30
47 years$616$353$193$102$52$27
48 years$596$337$181$94$48$24
49 years$577$322$170$87$43$21
50 years$559$307$160$80$39$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $573,000, adding $4,020 every year, while hoping to spend $37,112 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: 39/37/24 Blend
34$573,000$573,000$573,000$573,000
35$635,593$605,224$596,342$655,714
36$660,936$595,393$576,833$660,829
37$687,621$583,836$555,426$662,584
38$715,745$570,430$532,019$663,747
39$745,413$555,044$506,504$664,285
40$776,743$537,539$478,770$664,166
41$809,861$517,768$448,698$663,359
42$844,904$495,576$416,167$661,833
43$882,023$470,798$381,047$659,557
44$921,382$443,261$343,206$656,501
45$963,163$412,780$302,503$652,636
46$1,007,560$379,161$258,792$647,935
47$1,054,790$342,199$211,920$642,373
48$1,105,088$301,676$161,729$635,928
49$1,158,712$257,363$108,051$628,580
50$1,215,944$209,017$50,714$620,313
51$1,277,093$156,382$0$611,117
52$1,342,499$99,187$0$603,667
53$1,412,534$37,147$0$609,314
54$1,487,604$0$0$615,117
55$1,568,158$0$0$633,374
56$1,654,686$0$0$669,283
57$1,747,727$0$0$707,952
58$1,847,873$0$0$749,632
59$1,955,773$0$0$794,602
60$2,072,140$0$0$843,167
61$2,197,758$0$0$895,662
62$2,333,489$0$0$952,456
63$2,480,278$0$0$1,013,955
64$2,639,166$0$0$1,080,603
65$2,811,296$0$0$1,152,891
66$2,997,927$0$0$1,231,357
67$3,200,439$0$0$1,316,595
68$3,420,355$0$0$1,409,255
69$3,659,346$0$0$1,510,055
70$3,919,253$0$0$1,619,785
71$4,202,101$0$0$1,739,311
72$4,510,116$0$0$1,869,589
73$4,845,749$0$0$2,011,672
74$5,211,699$0$0$2,166,715
75$5,610,933$0$0$2,335,993
76$6,046,720$0$0$2,520,908
77$6,522,657$0$0$2,723,004
78$7,042,703$0$0$2,943,980
79$7,611,218$0$0$3,185,707
80$8,233,002$0$0$3,450,246
81$8,913,338$0$0$3,739,865
82$9,658,047$0$0$4,057,062
83$10,473,537$0$0$4,404,589
84$11,366,862$0$0$4,785,476
85$12,345,796$0$0$5,203,059
86$13,418,895$0$0$5,661,014
87$14,595,586$0$0$6,163,388
88$15,886,250$0$0$6,714,640
89$17,302,322$0$0$7,319,682
90$18,856,397$0$0$7,983,922
91$20,562,349$0$0$8,713,320
92$22,435,460$0$0$9,514,441
93$24,492,565$0$0$10,394,515
94$26,752,208$0$0$11,361,510
95$29,234,818$0$0$12,424,201
96$31,962,902$0$0$13,592,256
97$34,961,254$0$0$14,876,328
98$38,257,189$0$0$16,288,151
99$41,880,801$0$0$17,840,655
100$45,865,245$0$0$19,548,085