Can I retire at age 35 with 574,000?

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 $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%14.5%
1 years$47,400$46,978$46,566$46,164$45,772$44,921
2 years$23,466$23,029$22,605$22,194$21,796$20,942
3 years$15,488$15,049$14,627$14,220$13,828$12,998
4 years$11,500$11,063$10,645$10,245$9,862$9,062
5 years$9,108$8,673$8,261$7,869$7,497$6,729
6 years$7,514$7,083$6,676$6,293$5,932$5,197
7 years$6,376$5,948$5,548$5,174$4,825$4,122
8 years$5,523$5,098$4,705$4,340$4,002$3,333
9 years$4,859$4,439$4,052$3,697$3,371$2,734
10 years$4,329$3,913$3,533$3,187$2,872$2,267
11 years$3,895$3,483$3,110$2,773$2,470$1,896
12 years$3,534$3,126$2,760$2,433$2,140$1,597
13 years$3,229$2,825$2,466$2,148$1,866$1,353
14 years$2,967$2,568$2,216$1,906$1,636$1,151
15 years$2,741$2,346$2,001$1,700$1,441$984
16 years$2,543$2,153$1,814$1,522$1,273$843
17 years$2,369$1,982$1,651$1,368$1,129$724
18 years$2,214$1,832$1,507$1,233$1,004$624
19 years$2,075$1,698$1,379$1,114$895$538
20 years$1,951$1,578$1,266$1,009$799$465
21 years$1,838$1,469$1,164$916$715$403
22 years$1,736$1,372$1,073$832$641$349
23 years$1,643$1,283$991$758$575$303
24 years$1,558$1,202$916$691$517$263
25 years$1,480$1,128$849$631$465$228
26 years$1,408$1,060$787$577$419$199
27 years$1,341$998$731$528$378$173
28 years$1,279$940$680$484$341$150
29 years$1,222$887$632$444$308$131
30 years$1,168$838$589$408$278$114
31 years$1,118$792$549$374$252$99
32 years$1,072$749$512$344$228$87
33 years$1,028$710$478$316$206$76
34 years$987$672$447$291$186$66
35 years$948$638$418$268$169$57
36 years$912$605$391$247$153$50
37 years$877$575$366$227$139$44
38 years$845$546$343$210$126$38
39 years$814$520$321$193$114$33
40 years$785$494$301$178$103$29
41 years$757$471$282$164$94$25
42 years$731$448$265$152$85$22
43 years$706$427$248$140$77$19
44 years$682$407$233$129$70$17
45 years$659$388$219$119$64$15
46 years$638$370$206$110$58$13
47 years$617$353$193$102$52$11
48 years$597$337$181$94$48$10
49 years$578$322$171$87$43$9
50 years$560$308$160$80$39$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $574,000, adding $2,962 every year, while hoping to spend $32,216 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: 49/45/6 Blend
34$574,000$574,000$574,000$574,000
35$635,603$605,181$596,284$665,638
36$666,157$600,558$581,982$681,831
37$698,748$594,628$566,121$695,727
38$733,549$587,293$548,615$710,054
39$770,751$578,451$529,374$724,860
40$810,563$567,990$508,303$740,200
41$853,213$555,794$485,304$756,138
42$898,953$541,740$460,274$772,743
43$948,057$525,696$433,104$790,097
44$1,000,829$507,525$403,683$808,290
45$1,057,599$487,080$371,892$827,425
46$1,118,733$464,205$337,609$847,617
47$1,184,630$438,738$300,705$868,999
48$1,255,729$410,503$261,046$891,716
49$1,332,515$379,319$218,492$915,936
50$1,415,516$344,990$172,896$941,842
51$1,505,317$307,313$124,106$969,645
52$1,602,558$266,070$71,963$999,579
53$1,707,944$221,033$16,299$1,031,905
54$1,822,250$171,959$0$1,066,917
55$1,946,329$118,594$0$1,107,704
56$2,081,117$60,668$0$1,153,167
57$2,227,646$0$0$1,202,682
58$2,387,049$0$0$1,257,762
59$2,560,576$0$0$1,350,480
60$2,749,599$0$0$1,451,535
61$2,955,629$0$0$1,561,742
62$3,180,330$0$0$1,681,997
63$3,425,532$0$0$1,813,289
64$3,693,250$0$0$1,956,704
65$3,985,703$0$0$2,113,439
66$4,305,331$0$0$2,284,811
67$4,654,823$0$0$2,472,270
68$5,037,140$0$0$2,677,414
69$5,455,540$0$0$2,902,002
70$5,913,612$0$0$3,147,970
71$6,415,308$0$0$3,417,450
72$6,964,981$0$0$3,712,791
73$7,567,422$0$0$4,036,580
74$8,227,910$0$0$4,391,666
75$8,952,259$0$0$4,781,186
76$9,746,873$0$0$5,208,597
77$10,618,804$0$0$5,677,705
78$11,575,821$0$0$6,192,703
79$12,626,482$0$0$6,758,212
80$13,780,213$0$0$7,379,319
81$15,047,398$0$0$8,061,629
82$16,439,477$0$0$8,811,318
83$17,969,051$0$0$9,635,189
84$19,650,002$0$0$10,540,735
85$21,497,626$0$0$11,536,214
86$23,528,773$0$0$12,630,722
87$25,762,006$0$0$13,834,282
88$28,217,777$0$0$15,157,934
89$30,918,621$0$0$16,613,843
90$33,889,363$0$0$18,215,415
91$37,157,359$0$0$19,977,416
92$40,752,745$0$0$21,916,117
93$44,708,728$0$0$24,049,448
94$49,061,896$0$0$26,397,163
95$53,852,564$0$0$28,981,026
96$59,125,150$0$0$31,825,021
97$64,928,597$0$0$34,955,573
98$71,316,836$0$0$38,401,800
99$78,349,289$0$0$42,195,787
100$86,091,433$0$0$46,372,885