Can I retire at age 35 with 578,000?

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 $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%12.7%
1 years$47,731$47,306$46,891$46,486$46,091$45,571
2 years$23,629$23,189$22,762$22,349$21,948$21,425
3 years$15,596$15,154$14,729$14,319$13,925$13,415
4 years$11,581$11,140$10,719$10,316$9,931$9,438
5 years$9,172$8,734$8,318$7,924$7,550$7,074
6 years$7,567$7,132$6,722$6,337$5,974$5,517
7 years$6,420$5,989$5,586$5,210$4,858$4,421
8 years$5,561$5,134$4,738$4,370$4,030$3,612
9 years$4,893$4,470$4,081$3,723$3,394$2,994
10 years$4,359$3,940$3,558$3,209$2,892$2,510
11 years$3,922$3,508$3,132$2,793$2,487$2,124
12 years$3,559$3,148$2,780$2,450$2,155$1,809
13 years$3,251$2,845$2,483$2,163$1,880$1,551
14 years$2,988$2,586$2,231$1,920$1,648$1,336
15 years$2,760$2,362$2,015$1,712$1,451$1,155
16 years$2,561$2,168$1,826$1,533$1,282$1,003
17 years$2,385$1,996$1,662$1,377$1,137$873
18 years$2,229$1,845$1,517$1,241$1,011$761
19 years$2,090$1,710$1,389$1,122$901$666
20 years$1,964$1,589$1,275$1,016$805$583
21 years$1,851$1,480$1,172$922$720$512
22 years$1,748$1,381$1,081$838$646$449
23 years$1,655$1,292$998$763$579$395
24 years$1,569$1,210$923$696$521$348
25 years$1,490$1,136$855$636$469$307
26 years$1,418$1,068$793$581$422$271
27 years$1,350$1,005$736$532$381$239
28 years$1,288$947$684$488$343$211
29 years$1,230$893$637$447$310$186
30 years$1,177$843$593$410$280$165
31 years$1,126$797$553$377$253$146
32 years$1,079$754$516$346$229$129
33 years$1,035$714$482$319$207$114
34 years$994$677$450$293$188$101
35 years$955$642$421$270$170$89
36 years$918$610$394$248$154$79
37 years$883$579$368$229$140$70
38 years$851$550$345$211$127$62
39 years$820$523$323$195$115$55
40 years$790$498$303$179$104$49
41 years$762$474$284$166$94$43
42 years$736$451$266$153$86$38
43 years$711$430$250$141$78$34
44 years$687$410$235$130$71$30
45 years$664$391$220$120$64$27
46 years$642$373$207$111$58$24
47 years$621$356$194$103$53$21
48 years$601$340$183$95$48$19
49 years$583$324$172$88$44$17
50 years$564$310$162$81$40$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $578,000, adding $5,551 every year, while hoping to spend $29,857 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: 64/9/27 Blend
34$578,000$578,000$578,000$578,000
35$642,682$612,048$603,089$678,892
36$676,468$610,271$591,525$702,278
37$712,699$607,406$578,572$724,025
38$751,594$603,368$564,154$747,134
39$793,391$598,068$548,188$771,741
40$838,354$591,410$530,589$797,999
41$886,770$583,292$511,267$826,077
42$938,955$573,609$490,130$856,162
43$995,259$562,245$467,079$888,461
44$1,056,061$549,082$442,013$923,205
45$1,121,784$533,991$414,824$960,647
46$1,192,887$516,838$385,402$1,001,069
47$1,269,878$497,479$353,630$1,044,783
48$1,353,314$475,765$319,385$1,092,134
49$1,443,810$451,535$282,542$1,143,505
50$1,542,038$424,619$242,967$1,199,317
51$1,648,741$394,841$200,521$1,260,038
52$1,764,734$362,009$155,060$1,326,186
53$1,890,914$325,925$106,432$1,398,332
54$2,028,270$286,378$54,480$1,477,109
55$2,177,887$243,144$0$1,563,216
56$2,340,961$195,988$0$1,657,704
57$2,518,808$144,660$0$1,777,917
58$2,712,876$88,898$0$1,909,141
59$2,924,759$28,424$0$2,052,472
60$3,156,213$0$0$2,209,120
61$3,409,167$0$0$2,384,088
62$3,685,751$0$0$2,578,517
63$3,988,305$0$0$2,791,241
64$4,319,407$0$0$3,024,080
65$4,681,897$0$0$3,279,034
66$5,078,901$0$0$3,558,308
67$5,513,863$0$0$3,864,330
68$5,990,573$0$0$4,199,773
69$6,513,208$0$0$4,567,581
70$7,086,367$0$0$4,970,998
71$7,715,116$0$0$5,413,595
72$8,405,034$0$0$5,899,307
73$9,162,268$0$0$6,432,469
74$9,993,587$0$0$7,017,852
75$10,906,448$0$0$7,660,717
76$11,909,068$0$0$8,366,856
77$13,010,494$0$0$9,142,650
78$14,220,698$0$0$9,995,131
79$15,550,660$0$0$10,932,042
80$17,012,482$0$0$11,961,916
81$18,619,493$0$0$13,094,154
82$20,386,378$0$0$14,339,112
83$22,329,318$0$0$15,708,201
84$24,466,139$0$0$17,213,991
85$26,816,482$0$0$18,870,334
86$29,401,986$0$0$20,692,490
87$32,246,493$0$0$22,697,274
88$35,376,273$0$0$24,903,211
89$38,820,271$0$0$27,330,714
90$42,610,379$0$0$30,002,275
91$46,781,736$0$0$32,942,676
92$51,373,063$0$0$36,179,223
93$56,427,022$0$0$39,742,005
94$61,990,623$0$0$43,664,174
95$68,115,665$0$0$47,982,261
96$74,859,224$0$0$52,736,520
97$82,284,192$0$0$57,971,306
98$90,459,871$0$0$63,735,493
99$99,462,624$0$0$70,082,937
100$109,376,597$0$0$77,072,983