Can I retire at age 35 with 575,000?

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 $575,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$47,483$47,060$46,647$46,245$45,851$44,616
2 years$23,506$23,069$22,644$22,233$21,834$20,598
3 years$15,515$15,076$14,652$14,245$13,852$12,655
4 years$11,520$11,082$10,663$10,263$9,880$8,730
5 years$9,124$8,689$8,275$7,883$7,510$6,411
6 years$7,527$7,095$6,687$6,304$5,943$4,895
7 years$6,387$5,958$5,557$5,183$4,833$3,837
8 years$5,532$5,107$4,713$4,348$4,009$3,065
9 years$4,868$4,447$4,059$3,703$3,377$2,482
10 years$4,336$3,920$3,539$3,192$2,877$2,032
11 years$3,902$3,489$3,116$2,778$2,474$1,677
12 years$3,540$3,132$2,765$2,437$2,144$1,393
13 years$3,234$2,830$2,470$2,151$1,870$1,164
14 years$2,973$2,573$2,220$1,910$1,639$976
15 years$2,746$2,350$2,004$1,703$1,443$822
16 years$2,547$2,156$1,817$1,525$1,275$694
17 years$2,373$1,986$1,653$1,370$1,131$587
18 years$2,218$1,835$1,509$1,235$1,006$498
19 years$2,079$1,701$1,382$1,116$896$423
20 years$1,954$1,580$1,268$1,011$801$360
21 years$1,842$1,472$1,166$917$716$307
22 years$1,739$1,374$1,075$834$642$261
23 years$1,646$1,285$993$759$576$223
24 years$1,561$1,204$918$693$518$190
25 years$1,482$1,130$850$633$466$163
26 years$1,410$1,062$789$578$420$139
27 years$1,343$999$732$529$379$119
28 years$1,282$942$681$485$342$102
29 years$1,224$888$633$445$308$87
30 years$1,170$839$590$408$279$75
31 years$1,120$793$550$375$252$64
32 years$1,074$751$513$345$228$55
33 years$1,030$711$479$317$206$47
34 years$989$674$448$292$187$40
35 years$950$639$419$268$169$34
36 years$913$606$392$247$153$30
37 years$879$576$367$228$139$25
38 years$846$547$343$210$126$22
39 years$815$521$322$194$114$19
40 years$786$495$301$179$104$16
41 years$758$471$283$165$94$14
42 years$732$449$265$152$85$12
43 years$707$428$249$140$77$10
44 years$683$408$234$130$70$9
45 years$660$389$219$120$64$7
46 years$639$371$206$111$58$6
47 years$618$354$193$102$53$5
48 years$598$338$182$94$48$5
49 years$579$323$171$87$43$4
50 years$561$308$161$81$39$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $575,000, adding $5,517 every year, while hoping to spend $43,519 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: 50/25/25 Blend
34$575,000$575,000$575,000$575,000
35$639,341$608,866$599,953$666,557
36$658,250$592,396$573,748$669,610
37$677,629$573,661$545,206$668,105
38$697,480$552,504$514,203$665,592
39$717,804$528,758$480,610$661,994
40$738,600$502,247$444,291$657,231
41$759,867$472,786$405,104$651,216
42$781,599$440,179$362,901$643,857
43$803,791$404,216$317,527$635,056
44$826,434$364,680$268,821$624,710
45$849,518$321,336$216,614$612,707
46$873,028$273,941$160,730$598,931
47$896,947$222,235$100,984$583,256
48$921,255$165,943$37,186$565,550
49$945,925$104,777$0$545,671
50$970,929$38,430$0$531,711
51$996,232$0$0$526,390
52$1,021,793$0$0$528,860
53$1,047,566$0$0$541,985
54$1,073,496$0$0$555,163
55$1,099,522$0$0$568,359
56$1,125,574$0$0$581,532
57$1,151,571$0$0$594,639
58$1,177,421$0$0$607,626
59$1,203,023$0$0$620,437
60$1,228,260$0$0$633,006
61$1,253,000$0$0$645,259
62$1,277,097$0$0$657,115
63$1,300,384$0$0$668,480
64$1,322,678$0$0$679,250
65$1,343,769$0$0$689,311
66$1,363,427$0$0$698,532
67$1,381,391$0$0$706,770
68$1,397,372$0$0$713,863
69$1,411,049$0$0$719,632
70$1,422,062$0$0$723,878
71$1,430,011$0$0$726,378
72$1,434,453$0$0$726,886
73$1,434,892$0$0$725,128
74$1,430,782$0$0$720,800
75$1,421,513$0$0$713,565
76$1,406,409$0$0$703,047
77$1,384,721$0$0$688,833
78$1,355,619$0$0$670,462
79$1,318,183$0$0$647,426
80$1,271,394$0$0$619,160
81$1,214,123$0$0$585,040
82$1,145,121$0$0$544,376
83$1,063,007$0$0$496,403
84$966,251$0$0$440,277
85$853,163$0$0$375,064
86$721,873$0$0$299,730
87$570,314$0$0$213,133
88$396,203$0$0$114,013
89$197,016$0$0$976
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0