Can I retire at age 35 with 574,000?

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 $574,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$47,400$46,978$46,566$46,164$45,772$45,013
2 years$23,466$23,029$22,605$22,194$21,796$21,034
3 years$15,488$15,049$14,627$14,220$13,828$13,087
4 years$11,500$11,063$10,645$10,245$9,862$9,147
5 years$9,108$8,673$8,261$7,869$7,497$6,810
6 years$7,514$7,083$6,676$6,293$5,932$5,274
7 years$6,376$5,948$5,548$5,174$4,825$4,195
8 years$5,523$5,098$4,705$4,340$4,002$3,402
9 years$4,859$4,439$4,052$3,697$3,371$2,798
10 years$4,329$3,913$3,533$3,187$2,872$2,328
11 years$3,895$3,483$3,110$2,773$2,470$1,953
12 years$3,534$3,126$2,760$2,433$2,140$1,651
13 years$3,229$2,825$2,466$2,148$1,866$1,403
14 years$2,967$2,568$2,216$1,906$1,636$1,198
15 years$2,741$2,346$2,001$1,700$1,441$1,027
16 years$2,543$2,153$1,814$1,522$1,273$883
17 years$2,369$1,982$1,651$1,368$1,129$761
18 years$2,214$1,832$1,507$1,233$1,004$658
19 years$2,075$1,698$1,379$1,114$895$570
20 years$1,951$1,578$1,266$1,009$799$495
21 years$1,838$1,469$1,164$916$715$430
22 years$1,736$1,372$1,073$832$641$374
23 years$1,643$1,283$991$758$575$325
24 years$1,558$1,202$916$691$517$284
25 years$1,480$1,128$849$631$465$248
26 years$1,408$1,060$787$577$419$216
27 years$1,341$998$731$528$378$189
28 years$1,279$940$680$484$341$165
29 years$1,222$887$632$444$308$144
30 years$1,168$838$589$408$278$126
31 years$1,118$792$549$374$252$110
32 years$1,072$749$512$344$228$97
33 years$1,028$710$478$316$206$85
34 years$987$672$447$291$186$74
35 years$948$638$418$268$169$65
36 years$912$605$391$247$153$57
37 years$877$575$366$227$139$50
38 years$845$546$343$210$126$44
39 years$814$520$321$193$114$38
40 years$785$494$301$178$103$34
41 years$757$471$282$164$94$29
42 years$731$448$265$152$85$26
43 years$706$427$248$140$77$23
44 years$682$407$233$129$70$20
45 years$659$388$219$119$64$17
46 years$638$370$206$110$58$15
47 years$617$353$193$102$52$13
48 years$597$337$181$94$48$12
49 years$578$322$171$87$43$10
50 years$560$308$160$80$39$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $574,000, adding $3,560 every year, while hoping to spend $24,600 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: 28/45/27 Blend
34$574,000$574,000$574,000$574,000
35$636,220$605,798$596,901$648,622
36$674,940$609,308$590,723$662,283
37$716,786$612,165$583,514$674,581
38$762,049$614,312$575,212$687,295
39$811,051$615,687$565,755$700,478
40$864,147$616,225$555,077$714,189
41$921,725$615,855$543,107$728,497
42$984,214$614,504$529,774$743,477
43$1,052,083$612,095$515,001$759,218
44$1,125,851$608,542$498,708$775,818
45$1,206,086$603,759$480,813$793,387
46$1,293,415$597,652$461,229$812,051
47$1,388,527$590,121$439,864$831,949
48$1,492,182$581,061$416,624$853,240
49$1,605,212$570,361$391,409$876,101
50$1,728,538$557,903$364,116$900,731
51$1,863,171$543,562$334,635$927,353
52$2,010,223$527,205$302,854$956,216
53$2,170,920$508,693$268,654$987,600
54$2,346,611$487,876$231,912$1,021,815
55$2,538,782$464,599$192,497$1,059,211
56$2,749,068$438,695$150,276$1,100,176
57$2,979,271$409,988$105,108$1,145,143
58$3,231,372$378,293$56,845$1,194,597
59$3,507,557$343,414$5,334$1,249,075
60$3,810,230$305,144$0$1,309,178
61$4,142,039$263,262$0$1,389,872
62$4,505,904$217,538$0$1,480,169
63$4,905,036$167,727$0$1,579,407
64$5,342,974$113,571$0$1,688,554
65$5,823,617$54,795$0$1,808,686
66$6,351,259$0$0$1,940,990
67$6,930,631$0$0$2,091,181
68$7,566,941$0$0$2,286,030
69$8,265,931$0$0$2,500,173
70$9,033,924$0$0$2,735,558
71$9,877,885$0$0$2,994,334
72$10,805,489$0$0$3,278,868
73$11,825,190$0$0$3,591,766
74$12,946,304$0$0$3,935,900
75$14,179,091$0$0$4,314,437
76$15,534,860$0$0$4,730,862
77$17,026,066$0$0$5,189,017
78$18,666,435$0$0$5,693,136
79$20,471,088$0$0$6,247,883
80$22,456,687$0$0$6,858,396
81$24,641,590$0$0$7,530,338
82$27,046,024$0$0$8,269,949
83$29,692,277$0$0$9,084,102
84$32,604,906$0$0$9,980,374
85$35,810,969$0$0$10,967,111
86$39,340,282$0$0$12,053,510
87$43,225,698$0$0$13,249,706
88$47,503,417$0$0$14,566,866
89$52,213,326$0$0$16,017,296
90$57,399,381$0$0$17,614,555
91$63,110,012$0$0$19,373,585
92$69,398,588$0$0$21,310,849
93$76,323,916$0$0$23,444,491
94$83,950,799$0$0$25,794,502
95$92,350,641$0$0$28,382,913
96$101,602,128$0$0$31,233,999
97$111,791,967$0$0$34,374,510
98$123,015,701$0$0$37,833,925
99$135,378,615$0$0$41,644,726
100$148,996,730$0$0$45,842,709