Can I retire at age 35 with 577,000?

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 $577,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$47,648$47,224$46,810$46,405$46,011$44,325
2 years$23,588$23,149$22,723$22,310$21,910$20,231
3 years$15,569$15,128$14,703$14,294$13,901$12,280
4 years$11,561$11,121$10,700$10,298$9,914$8,365
5 years$9,156$8,719$8,304$7,910$7,536$6,063
6 years$7,553$7,120$6,711$6,326$5,963$4,566
7 years$6,409$5,979$5,577$5,201$4,850$3,529
8 years$5,551$5,125$4,729$4,363$4,023$2,777
9 years$4,885$4,462$4,073$3,716$3,388$2,215
10 years$4,352$3,933$3,551$3,203$2,887$1,785
11 years$3,916$3,502$3,127$2,788$2,483$1,450
12 years$3,553$3,143$2,775$2,445$2,152$1,185
13 years$3,246$2,840$2,479$2,159$1,876$973
14 years$2,983$2,582$2,227$1,916$1,645$802
15 years$2,755$2,358$2,011$1,709$1,448$663
16 years$2,556$2,164$1,823$1,530$1,280$550
17 years$2,381$1,993$1,659$1,375$1,135$457
18 years$2,225$1,841$1,515$1,239$1,009$381
19 years$2,086$1,707$1,387$1,120$899$317
20 years$1,961$1,586$1,272$1,014$803$265
21 years$1,848$1,477$1,170$920$719$221
22 years$1,745$1,379$1,079$837$644$185
23 years$1,652$1,290$996$762$578$155
24 years$1,566$1,208$921$695$520$130
25 years$1,488$1,134$853$635$468$108
26 years$1,415$1,066$791$580$421$91
27 years$1,348$1,003$735$531$380$76
28 years$1,286$945$683$487$343$64
29 years$1,228$892$636$446$310$54
30 years$1,175$842$592$410$280$45
31 years$1,124$796$552$376$253$38
32 years$1,077$753$515$346$229$32
33 years$1,033$713$481$318$207$27
34 years$992$676$449$293$187$22
35 years$953$641$420$269$170$19
36 years$916$609$393$248$154$16
37 years$882$578$368$229$139$13
38 years$849$549$344$211$126$11
39 years$818$522$323$194$115$9
40 years$789$497$302$179$104$8
41 years$761$473$284$165$94$7
42 years$735$451$266$153$86$5
43 years$709$429$250$141$78$5
44 years$686$409$234$130$70$4
45 years$663$390$220$120$64$3
46 years$641$372$207$111$58$3
47 years$620$355$194$102$53$2
48 years$600$339$182$95$48$2
49 years$581$324$171$88$44$2
50 years$563$309$161$81$40$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $577,000, adding $2,451 every year, while hoping to spend $31,691 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: 69/10/21 Blend
34$577,000$577,000$577,000$577,000
35$638,382$607,801$598,858$678,936
36$669,778$603,864$585,200$702,416
37$703,314$598,673$570,024$724,165
38$739,176$592,131$553,243$747,195
39$777,565$584,139$534,769$771,631
40$818,704$574,589$514,512$797,610
41$862,837$563,369$492,373$825,284
42$910,231$550,358$468,252$854,824
43$961,180$535,431$442,044$886,416
44$1,016,006$518,453$413,638$920,267
45$1,075,063$499,282$382,919$956,607
46$1,138,739$477,767$349,767$995,689
47$1,207,462$453,749$314,056$1,037,794
48$1,281,701$427,061$275,655$1,083,233
49$1,361,972$397,523$234,426$1,132,349
50$1,448,840$364,949$190,227$1,185,523
51$1,542,930$329,139$142,907$1,243,175
52$1,644,925$289,883$92,310$1,305,770
53$1,755,579$246,959$38,275$1,373,822
54$1,875,720$200,133$0$1,447,900
55$2,006,259$149,155$0$1,532,977
56$2,148,199$93,765$0$1,634,837
57$2,302,641$33,686$0$1,745,703
58$2,470,800$0$0$1,866,468
59$2,654,009$0$0$2,001,566
60$2,853,738$0$0$2,152,917
61$3,071,603$0$0$2,318,042
62$3,309,384$0$0$2,498,293
63$3,569,040$0$0$2,695,160
64$3,852,728$0$0$2,910,282
65$4,162,820$0$0$3,145,464
66$4,501,930$0$0$3,402,691
67$4,872,937$0$0$3,684,152
68$5,279,008$0$0$3,992,254
69$5,723,633$0$0$4,329,652
70$6,210,654$0$0$4,699,265
71$6,744,303$0$0$5,104,310
72$7,329,238$0$0$5,548,329
73$7,970,593$0$0$6,035,225
74$8,674,020$0$0$6,569,296
75$9,445,745$0$0$7,155,273
76$10,292,626$0$0$7,798,371
77$11,222,216$0$0$8,504,333
78$12,242,836$0$0$9,279,484
79$13,363,653$0$0$10,130,794
80$14,594,761$0$0$11,065,939
81$15,947,286$0$0$12,093,375
82$17,433,479$0$0$13,222,419
83$19,066,841$0$0$14,463,335
84$20,862,242$0$0$15,827,429
85$22,836,068$0$0$17,327,159
86$25,006,369$0$0$18,976,249
87$27,393,034$0$0$20,789,821
88$30,017,972$0$0$22,784,534
89$32,905,326$0$0$24,978,743
90$36,081,694$0$0$27,392,673
91$39,576,382$0$0$30,048,605
92$43,421,681$0$0$32,971,092
93$47,653,168$0$0$36,187,185
94$52,310,045$0$0$39,726,690
95$57,435,505$0$0$43,622,450
96$63,077,142$0$0$47,910,651
97$69,287,397$0$0$52,631,169
98$76,124,055$0$0$57,827,939
99$83,650,785$0$0$63,549,373
100$91,937,748$0$0$69,848,818