Can I retire at age 35 with 578,000?

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 $578,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$47,731$47,306$46,891$46,486$46,091$44,995
2 years$23,629$23,189$22,762$22,349$21,948$20,850
3 years$15,596$15,154$14,729$14,319$13,925$12,859
4 years$11,581$11,140$10,719$10,316$9,931$8,907
5 years$9,172$8,734$8,318$7,924$7,550$6,569
6 years$7,567$7,132$6,722$6,337$5,974$5,037
7 years$6,420$5,989$5,586$5,210$4,858$3,967
8 years$5,561$5,134$4,738$4,370$4,030$3,183
9 years$4,893$4,470$4,081$3,723$3,394$2,590
10 years$4,359$3,940$3,558$3,209$2,892$2,131
11 years$3,922$3,508$3,132$2,793$2,487$1,768
12 years$3,559$3,148$2,780$2,450$2,155$1,477
13 years$3,251$2,845$2,483$2,163$1,880$1,240
14 years$2,988$2,586$2,231$1,920$1,648$1,046
15 years$2,760$2,362$2,015$1,712$1,451$885
16 years$2,561$2,168$1,826$1,533$1,282$752
17 years$2,385$1,996$1,662$1,377$1,137$640
18 years$2,229$1,845$1,517$1,241$1,011$546
19 years$2,090$1,710$1,389$1,122$901$467
20 years$1,964$1,589$1,275$1,016$805$399
21 years$1,851$1,480$1,172$922$720$342
22 years$1,748$1,381$1,081$838$646$294
23 years$1,655$1,292$998$763$579$252
24 years$1,569$1,210$923$696$521$217
25 years$1,490$1,136$855$636$469$186
26 years$1,418$1,068$793$581$422$160
27 years$1,350$1,005$736$532$381$138
28 years$1,288$947$684$488$343$119
29 years$1,230$893$637$447$310$102
30 years$1,177$843$593$410$280$88
31 years$1,126$797$553$377$253$76
32 years$1,079$754$516$346$229$66
33 years$1,035$714$482$319$207$57
34 years$994$677$450$293$188$49
35 years$955$642$421$270$170$42
36 years$918$610$394$248$154$36
37 years$883$579$368$229$140$31
38 years$851$550$345$211$127$27
39 years$820$523$323$195$115$23
40 years$790$498$303$179$104$20
41 years$762$474$284$166$94$17
42 years$736$451$266$153$86$15
43 years$711$430$250$141$78$13
44 years$687$410$235$130$71$11
45 years$664$391$220$120$64$10
46 years$642$373$207$111$58$8
47 years$621$356$194$103$53$7
48 years$601$340$183$95$48$6
49 years$583$324$172$88$44$5
50 years$564$310$162$81$40$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $578,000, adding $3,301 every year, while hoping to spend $32,189 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: 60/15/25 Blend
34$578,000$578,000$578,000$578,000
35$640,361$609,727$600,768$674,309
36$671,429$605,355$586,645$693,410
37$704,587$599,689$570,970$710,476
38$740,014$592,634$553,657$728,403
39$777,907$584,084$534,616$747,281
40$818,482$573,932$513,753$767,212
41$861,973$562,061$490,970$788,308
42$908,641$548,348$466,164$810,694
43$958,769$532,665$439,227$834,512
44$1,012,670$514,872$410,048$859,915
45$1,070,686$494,824$378,509$887,078
46$1,133,194$472,368$344,486$916,194
47$1,200,606$447,341$307,853$947,477
48$1,273,377$419,570$268,475$981,166
49$1,352,006$388,873$226,213$1,017,526
50$1,437,039$355,057$180,921$1,056,851
51$1,529,081$317,918$132,445$1,099,469
52$1,628,794$277,242$80,628$1,145,742
53$1,736,904$232,801$25,303$1,196,074
54$1,854,215$184,354$0$1,250,911
55$1,981,605$131,648$0$1,319,750
56$2,120,045$74,415$0$1,401,928
57$2,270,600$12,371$0$1,491,348
58$2,434,442$0$0$1,588,738
59$2,612,861$0$0$1,703,944
60$2,807,277$0$0$1,831,746
61$3,019,253$0$0$1,971,135
62$3,250,508$0$0$2,123,247
63$3,502,935$0$0$2,289,333
64$3,778,616$0$0$2,470,769
65$4,079,846$0$0$2,669,071
66$4,409,150$0$0$2,885,908
67$4,769,307$0$0$3,123,118
68$5,163,379$0$0$3,382,722
69$5,594,735$0$0$3,666,949
70$6,067,088$0$0$3,978,251
71$6,584,524$0$0$4,319,330
72$7,151,543$0$0$4,693,161
73$7,773,104$0$0$5,103,021
74$8,454,666$0$0$5,552,518
75$9,202,240$0$0$6,045,627
76$10,022,452$0$0$6,586,725
77$10,922,594$0$0$7,180,636
78$11,910,704$0$0$7,832,670
79$12,995,631$0$0$8,548,680
80$14,187,128$0$0$9,335,110
81$15,495,934$0$0$10,199,062
82$16,933,883$0$0$11,148,358
83$18,514,010$0$0$12,191,616
84$20,250,675$0$0$13,338,328
85$22,159,699$0$0$14,598,956
86$24,258,512$0$0$15,985,020
87$26,566,318$0$0$17,509,218
88$29,104,274$0$0$19,185,537
89$31,895,689$0$0$21,029,387
90$34,966,245$0$0$23,057,748
91$38,344,241$0$0$25,289,327
92$42,060,852$0$0$27,744,738
93$46,150,430$0$0$30,446,692
94$50,650,826$0$0$33,420,212
95$55,603,743$0$0$36,692,872
96$61,055,134$0$0$40,295,054
97$67,055,630$0$0$44,260,232
98$73,661,023$0$0$48,625,294
99$80,932,786$0$0$53,430,883
100$88,938,656$0$0$58,721,785