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%11.7%
1 years$47,400$46,978$46,566$46,164$45,772$45,445
2 years$23,466$23,029$22,605$22,194$21,796$21,467
3 years$15,488$15,049$14,627$14,220$13,828$13,506
4 years$11,500$11,063$10,645$10,245$9,862$9,551
5 years$9,108$8,673$8,261$7,869$7,497$7,196
6 years$7,514$7,083$6,676$6,293$5,932$5,643
7 years$6,376$5,948$5,548$5,174$4,825$4,546
8 years$5,523$5,098$4,705$4,340$4,002$3,735
9 years$4,859$4,439$4,052$3,697$3,371$3,115
10 years$4,329$3,913$3,533$3,187$2,872$2,627
11 years$3,895$3,483$3,110$2,773$2,470$2,236
12 years$3,534$3,126$2,760$2,433$2,140$1,918
13 years$3,229$2,825$2,466$2,148$1,866$1,654
14 years$2,967$2,568$2,216$1,906$1,636$1,434
15 years$2,741$2,346$2,001$1,700$1,441$1,249
16 years$2,543$2,153$1,814$1,522$1,273$1,091
17 years$2,369$1,982$1,651$1,368$1,129$956
18 years$2,214$1,832$1,507$1,233$1,004$840
19 years$2,075$1,698$1,379$1,114$895$740
20 years$1,951$1,578$1,266$1,009$799$653
21 years$1,838$1,469$1,164$916$715$577
22 years$1,736$1,372$1,073$832$641$511
23 years$1,643$1,283$991$758$575$453
24 years$1,558$1,202$916$691$517$402
25 years$1,480$1,128$849$631$465$357
26 years$1,408$1,060$787$577$419$317
27 years$1,341$998$731$528$378$282
28 years$1,279$940$680$484$341$251
29 years$1,222$887$632$444$308$224
30 years$1,168$838$589$408$278$200
31 years$1,118$792$549$374$252$178
32 years$1,072$749$512$344$228$159
33 years$1,028$710$478$316$206$142
34 years$987$672$447$291$186$126
35 years$948$638$418$268$169$113
36 years$912$605$391$247$153$101
37 years$877$575$366$227$139$90
38 years$845$546$343$210$126$81
39 years$814$520$321$193$114$72
40 years$785$494$301$178$103$64
41 years$757$471$282$164$94$58
42 years$731$448$265$152$85$51
43 years$706$427$248$140$77$46
44 years$682$407$233$129$70$41
45 years$659$388$219$119$64$37
46 years$638$370$206$110$58$33
47 years$617$353$193$102$52$29
48 years$597$337$181$94$48$26
49 years$578$322$171$87$43$24
50 years$560$308$160$80$39$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $574,000, adding $4,401 every year, while hoping to spend $41,169 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: 80/6/14 Blend
34$574,000$574,000$574,000$574,000
35$637,088$606,666$597,769$685,926
36$658,267$592,589$573,990$704,585
37$680,227$576,442$548,036$719,296
38$703,004$558,081$519,788$734,260
39$726,635$537,353$489,127$749,484
40$751,163$514,094$455,923$764,975
41$776,631$488,133$420,046$780,741
42$803,085$459,290$381,355$796,793
43$830,575$427,370$339,706$813,142
44$859,155$392,173$294,947$829,799
45$888,881$353,482$246,921$846,780
46$919,816$311,072$195,462$864,100
47$952,025$264,701$140,397$881,777
48$985,578$214,118$81,547$899,832
49$1,020,551$159,055$18,723$918,287
50$1,057,027$99,228$0$937,170
51$1,095,093$34,340$0$963,727
52$1,134,845$0$0$994,228
53$1,176,385$0$0$1,028,314
54$1,219,825$0$0$1,066,334
55$1,265,284$0$0$1,106,125
56$1,312,892$0$0$1,147,802
57$1,362,791$0$0$1,191,489
58$1,415,133$0$0$1,237,320
59$1,470,084$0$0$1,285,442
60$1,527,824$0$0$1,336,012
61$1,588,549$0$0$1,389,204
62$1,652,472$0$0$1,445,204
63$1,719,825$0$0$1,504,216
64$1,790,860$0$0$1,566,463
65$1,865,852$0$0$1,632,187
66$1,945,102$0$0$1,701,652
67$2,028,937$0$0$1,775,146
68$2,117,714$0$0$1,852,985
69$2,211,823$0$0$1,935,511
70$2,311,693$0$0$2,023,101
71$2,417,788$0$0$2,116,165
72$2,530,619$0$0$2,215,154
73$2,650,745$0$0$2,320,558
74$2,778,777$0$0$2,432,916
75$2,915,384$0$0$2,552,818
76$3,061,300$0$0$2,680,910
77$3,217,329$0$0$2,817,900
78$3,384,351$0$0$2,964,564
79$3,563,334$0$0$3,121,755
80$3,755,337$0$0$3,290,405
81$3,961,524$0$0$3,471,539
82$4,183,170$0$0$3,666,283
83$4,421,678$0$0$3,875,872
84$4,678,587$0$0$4,101,660
85$4,955,586$0$0$4,345,139
86$5,254,531$0$0$4,607,942
87$5,577,464$0$0$4,891,870
88$5,926,626$0$0$5,198,896
89$6,304,480$0$0$5,531,193
90$6,713,735$0$0$5,891,147
91$7,157,370$0$0$6,281,383
92$7,638,659$0$0$6,704,788
93$8,161,203$0$0$7,164,535
94$8,728,963$0$0$7,664,116
95$9,346,298$0$0$8,207,371
96$10,018,001$0$0$8,798,526
97$10,749,347$0$0$9,442,230
98$11,546,139$0$0$10,143,599
99$12,414,766$0$0$10,908,262
100$13,362,256$0$0$11,742,417