Can I retire at age 35 with 577,000?

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 $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%17.3%
1 years$47,648$47,224$46,810$46,405$46,011$44,645
2 years$23,588$23,149$22,723$22,310$21,910$20,545
3 years$15,569$15,128$14,703$14,294$13,901$12,580
4 years$11,561$11,121$10,700$10,298$9,914$8,647
5 years$9,156$8,719$8,304$7,910$7,536$6,327
6 years$7,553$7,120$6,711$6,326$5,963$4,813
7 years$6,409$5,979$5,577$5,201$4,850$3,757
8 years$5,551$5,125$4,729$4,363$4,023$2,989
9 years$4,885$4,462$4,073$3,716$3,388$2,410
10 years$4,352$3,933$3,551$3,203$2,887$1,965
11 years$3,916$3,502$3,127$2,788$2,483$1,614
12 years$3,553$3,143$2,775$2,445$2,152$1,335
13 years$3,246$2,840$2,479$2,159$1,876$1,110
14 years$2,983$2,582$2,227$1,916$1,645$927
15 years$2,755$2,358$2,011$1,709$1,448$776
16 years$2,556$2,164$1,823$1,530$1,280$652
17 years$2,381$1,993$1,659$1,375$1,135$549
18 years$2,225$1,841$1,515$1,239$1,009$463
19 years$2,086$1,707$1,387$1,120$899$391
20 years$1,961$1,586$1,272$1,014$803$331
21 years$1,848$1,477$1,170$920$719$281
22 years$1,745$1,379$1,079$837$644$238
23 years$1,652$1,290$996$762$578$202
24 years$1,566$1,208$921$695$520$171
25 years$1,488$1,134$853$635$468$146
26 years$1,415$1,066$791$580$421$124
27 years$1,348$1,003$735$531$380$105
28 years$1,286$945$683$487$343$90
29 years$1,228$892$636$446$310$76
30 years$1,175$842$592$410$280$65
31 years$1,124$796$552$376$253$55
32 years$1,077$753$515$346$229$47
33 years$1,033$713$481$318$207$40
34 years$992$676$449$293$187$34
35 years$953$641$420$269$170$29
36 years$916$609$393$248$154$25
37 years$882$578$368$229$139$21
38 years$849$549$344$211$126$18
39 years$818$522$323$194$115$15
40 years$789$497$302$179$104$13
41 years$761$473$284$165$94$11
42 years$735$451$266$153$86$10
43 years$709$429$250$141$78$8
44 years$686$409$234$130$70$7
45 years$663$390$220$120$64$6
46 years$641$372$207$111$58$5
47 years$620$355$194$102$53$4
48 years$600$339$182$95$48$4
49 years$581$324$171$88$44$3
50 years$563$309$161$81$40$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $577,000, adding $4,970 every year, while hoping to spend $24,434 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: 53/17/30 Blend
34$577,000$577,000$577,000$577,000
35$640,981$610,400$601,456$669,334
36$680,363$614,312$595,607$693,474
37$722,943$617,596$588,744$716,861
38$769,023$620,197$580,805$741,838
39$818,930$622,054$571,730$768,567
40$873,030$623,104$561,451$797,230
41$931,720$623,277$549,901$828,026
42$995,441$622,503$537,008$861,176
43$1,064,675$620,705$522,697$896,927
44$1,139,953$617,801$506,889$935,548
45$1,221,860$613,705$489,501$977,341
46$1,311,039$608,326$470,449$1,022,639
47$1,408,198$601,566$449,642$1,071,810
48$1,514,115$593,324$426,985$1,125,260
49$1,629,647$583,489$402,382$1,183,442
50$1,755,738$571,947$375,729$1,246,854
51$1,893,426$558,575$346,918$1,316,046
52$2,043,854$543,244$315,839$1,391,629
53$2,208,281$525,816$282,373$1,474,278
54$2,388,092$506,148$246,399$1,564,737
55$2,584,812$484,084$207,788$1,663,832
56$2,800,122$459,463$166,408$1,772,472
57$3,035,870$432,112$122,118$1,891,664
58$3,294,094$401,851$74,775$2,022,521
59$3,577,037$368,487$24,225$2,166,271
60$3,887,169$331,817$0$2,324,272
61$4,227,210$291,626$0$2,507,537
62$4,600,157$247,687$0$2,717,102
63$5,009,311$199,762$0$2,947,090
64$5,458,306$147,596$0$3,199,578
65$5,951,148$90,922$0$3,476,857
66$6,492,246$29,458$0$3,781,452
67$7,086,460$0$0$4,116,146
68$7,739,141$0$0$4,490,950
69$8,456,187$0$0$4,908,829
70$9,244,093$0$0$5,368,065
71$10,110,014$0$0$5,872,838
72$11,061,835$0$0$6,427,749
73$12,108,240$0$0$7,037,872
74$13,258,799$0$0$7,708,795
75$14,524,053$0$0$8,446,672
76$15,915,618$0$0$9,258,288
77$17,446,292$0$0$10,151,115
78$19,130,173$0$0$11,133,388
79$20,982,798$0$0$12,214,179
80$23,021,283$0$0$13,403,484
81$25,264,488$0$0$14,712,317
82$27,733,193$0$0$16,152,814
83$30,450,296$0$0$17,738,346
84$33,441,025$0$0$19,483,648
85$36,733,180$0$0$21,404,955
86$40,357,391$0$0$23,520,155
87$44,347,411$0$0$25,848,960
88$48,740,430$0$0$28,413,090
89$53,577,429$0$0$31,236,479
90$58,903,565$0$0$34,345,499
91$64,768,595$0$0$37,769,211
92$71,227,350$0$0$41,539,636
93$78,340,247$0$0$45,692,060
94$86,173,862$0$0$50,265,366
95$94,801,557$0$0$55,302,399
96$104,304,174$0$0$60,850,374
97$114,770,792$0$0$66,961,317
98$126,299,574$0$0$73,692,559
99$138,998,690$0$0$81,107,275
100$152,987,338$0$0$89,275,081