Can I retire at age 35 with 576,000?

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 $576,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$47,566$47,142$46,728$46,325$45,931$45,357
2 years$23,547$23,109$22,684$22,272$21,872$21,294
3 years$15,542$15,102$14,678$14,270$13,876$13,313
4 years$11,541$11,101$10,682$10,280$9,897$9,352
5 years$9,140$8,704$8,289$7,896$7,523$6,999
6 years$7,540$7,107$6,699$6,315$5,953$5,450
7 years$6,398$5,969$5,567$5,192$4,841$4,359
8 years$5,542$5,116$4,721$4,355$4,016$3,555
9 years$4,876$4,455$4,066$3,710$3,382$2,942
10 years$4,344$3,926$3,545$3,198$2,882$2,462
11 years$3,909$3,496$3,121$2,783$2,479$2,079
12 years$3,546$3,137$2,770$2,441$2,148$1,768
13 years$3,240$2,835$2,475$2,155$1,873$1,513
14 years$2,978$2,577$2,224$1,913$1,642$1,300
15 years$2,750$2,354$2,008$1,706$1,446$1,122
16 years$2,552$2,160$1,820$1,528$1,278$972
17 years$2,377$1,989$1,656$1,373$1,133$844
18 years$2,221$1,838$1,512$1,237$1,007$735
19 years$2,083$1,704$1,384$1,118$898$641
20 years$1,958$1,583$1,270$1,012$802$560
21 years$1,845$1,475$1,168$919$718$491
22 years$1,742$1,376$1,077$835$643$430
23 years$1,649$1,287$994$761$577$377
24 years$1,564$1,206$920$694$519$331
25 years$1,485$1,132$852$634$467$291
26 years$1,413$1,064$790$579$421$256
27 years$1,346$1,001$734$530$379$226
28 years$1,284$943$682$486$342$199
29 years$1,226$890$635$446$309$175
30 years$1,172$841$591$409$279$155
31 years$1,122$795$551$376$252$136
32 years$1,075$752$514$345$228$120
33 years$1,032$712$480$317$207$106
34 years$990$675$449$292$187$94
35 years$951$640$419$269$169$83
36 years$915$608$392$248$154$73
37 years$880$577$367$228$139$65
38 years$848$548$344$210$126$57
39 years$817$521$322$194$114$51
40 years$787$496$302$179$104$45
41 years$760$472$283$165$94$40
42 years$733$450$266$152$85$35
43 years$708$429$249$141$78$31
44 years$684$408$234$130$70$27
45 years$662$390$220$120$64$24
46 years$640$372$206$111$58$21
47 years$619$355$194$102$53$19
48 years$599$339$182$95$48$17
49 years$580$323$171$87$43$15
50 years$562$309$161$81$39$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $576,000, adding $2,444 every year, while hoping to spend $33,602 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: 86/7/7 Blend
34$576,000$576,000$576,000$576,000
35$637,273$606,745$597,817$691,523
36$666,523$600,723$582,092$721,242
37$697,629$593,280$564,713$749,024
38$730,747$584,311$545,591$778,477
39$766,045$573,704$524,630$809,746
40$803,708$561,341$501,731$842,991
41$843,936$547,097$476,789$878,385
42$886,953$530,840$449,697$916,123
43$933,002$512,431$420,341$956,415
44$982,348$491,719$388,602$999,495
45$1,035,283$468,550$354,357$1,045,619
46$1,092,130$442,757$317,475$1,095,071
47$1,153,239$414,164$277,823$1,148,161
48$1,218,997$382,585$235,258$1,205,231
49$1,289,829$347,826$189,633$1,266,659
50$1,366,200$309,678$140,794$1,332,860
51$1,448,622$267,922$88,580$1,404,293
52$1,537,658$222,327$32,824$1,481,460
53$1,633,926$172,648$0$1,564,917
54$1,738,105$118,626$0$1,657,269
55$1,850,943$59,989$0$1,759,943
56$1,973,259$0$0$1,871,243
57$2,105,958$0$0$1,992,273
58$2,250,032$0$0$2,128,702
59$2,406,573$0$0$2,276,943
60$2,576,784$0$0$2,438,135
61$2,761,985$0$0$2,613,530
62$2,963,631$0$0$2,804,506
63$3,183,323$0$0$3,012,580
64$3,422,821$0$0$3,239,422
65$3,684,064$0$0$3,486,867
66$3,969,186$0$0$3,756,938
67$4,280,535$0$0$4,051,860
68$4,620,696$0$0$4,374,083
69$4,992,515$0$0$4,726,305
70$5,399,126$0$0$5,111,494
71$5,843,978$0$0$5,532,920
72$6,330,870$0$0$5,994,184
73$6,863,986$0$0$6,499,248
74$7,447,932$0$0$7,052,480
75$8,087,780$0$0$7,658,686
76$8,789,118$0$0$8,323,161
77$9,558,099$0$0$9,051,735
78$10,401,499$0$0$9,850,833
79$11,326,783$0$0$10,727,526
80$12,342,172$0$0$11,689,607
81$13,456,723$0$0$12,745,659
82$14,680,411$0$0$13,905,135
83$16,024,225$0$0$15,178,449
84$17,500,270$0$0$16,577,073
85$19,121,881$0$0$18,113,645
86$20,903,749$0$0$19,802,088
87$22,862,057$0$0$21,657,738
88$25,014,636$0$0$23,697,494
89$27,381,128$0$0$25,939,971
90$29,983,175$0$0$28,405,678
91$32,844,620$0$0$31,117,213
92$35,991,732$0$0$34,099,469
93$39,453,453$0$0$37,379,877
94$43,261,673$0$0$40,988,658
95$47,451,526$0$0$44,959,110
96$52,061,725$0$0$49,327,921
97$57,134,923$0$0$54,135,514
98$62,718,119$0$0$59,426,430
99$68,863,098$0$0$65,249,746
100$75,626,917$0$0$71,659,538