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%13.4%
1 years$47,731$47,306$46,891$46,486$46,091$45,439
2 years$23,629$23,189$22,762$22,349$21,948$21,293
3 years$15,596$15,154$14,729$14,319$13,925$13,287
4 years$11,581$11,140$10,719$10,316$9,931$9,315
5 years$9,172$8,734$8,318$7,924$7,550$6,957
6 years$7,567$7,132$6,722$6,337$5,974$5,405
7 years$6,420$5,989$5,586$5,210$4,858$4,314
8 years$5,561$5,134$4,738$4,370$4,030$3,510
9 years$4,893$4,470$4,081$3,723$3,394$2,898
10 years$4,359$3,940$3,558$3,209$2,892$2,419
11 years$3,922$3,508$3,132$2,793$2,487$2,038
12 years$3,559$3,148$2,780$2,450$2,155$1,729
13 years$3,251$2,845$2,483$2,163$1,880$1,475
14 years$2,988$2,586$2,231$1,920$1,648$1,264
15 years$2,760$2,362$2,015$1,712$1,451$1,088
16 years$2,561$2,168$1,826$1,533$1,282$940
17 years$2,385$1,996$1,662$1,377$1,137$814
18 years$2,229$1,845$1,517$1,241$1,011$707
19 years$2,090$1,710$1,389$1,122$901$615
20 years$1,964$1,589$1,275$1,016$805$536
21 years$1,851$1,480$1,172$922$720$468
22 years$1,748$1,381$1,081$838$646$409
23 years$1,655$1,292$998$763$579$357
24 years$1,569$1,210$923$696$521$313
25 years$1,490$1,136$855$636$469$274
26 years$1,418$1,068$793$581$422$241
27 years$1,350$1,005$736$532$381$211
28 years$1,288$947$684$488$343$186
29 years$1,230$893$637$447$310$163
30 years$1,177$843$593$410$280$143
31 years$1,126$797$553$377$253$126
32 years$1,079$754$516$346$229$111
33 years$1,035$714$482$319$207$98
34 years$994$677$450$293$188$86
35 years$955$642$421$270$170$76
36 years$918$610$394$248$154$67
37 years$883$579$368$229$140$59
38 years$851$550$345$211$127$52
39 years$820$523$323$195$115$45
40 years$790$498$303$179$104$40
41 years$762$474$284$166$94$35
42 years$736$451$266$153$86$31
43 years$711$430$250$141$78$27
44 years$687$410$235$130$71$24
45 years$664$391$220$120$64$21
46 years$642$373$207$111$58$19
47 years$621$356$194$103$53$17
48 years$601$340$183$95$48$15
49 years$583$324$172$88$44$13
50 years$564$310$162$81$40$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $578,000, adding $2,366 every year, while hoping to spend $27,651 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: 55/26/19 Blend
34$578,000$578,000$578,000$578,000
35$639,397$608,763$599,804$671,169
36$675,195$609,171$590,476$693,542
37$713,717$608,674$579,910$714,750
38$755,213$607,196$568,034$737,237
39$799,956$604,659$554,774$761,134
40$848,245$600,981$540,053$786,585
41$900,411$596,074$523,789$813,749
42$956,815$589,844$505,898$842,805
43$1,017,856$582,192$486,292$873,949
44$1,083,972$573,014$464,877$907,400
45$1,155,644$562,199$441,558$943,401
46$1,233,401$549,628$416,232$982,221
47$1,317,826$535,178$388,794$1,024,157
48$1,409,559$518,716$359,133$1,069,540
49$1,509,304$500,103$327,134$1,118,736
50$1,617,836$479,191$292,676$1,172,152
51$1,736,008$455,824$255,632$1,230,236
52$1,864,757$429,836$215,873$1,293,487
53$2,005,117$401,052$173,259$1,362,455
54$2,158,223$369,288$127,648$1,437,751
55$2,325,327$334,348$78,888$1,520,050
56$2,507,804$296,025$26,825$1,610,100
57$2,707,171$254,102$0$1,708,727
58$2,925,096$208,346$0$1,822,673
59$3,163,416$158,515$0$1,953,305
60$3,424,153$104,351$0$2,096,336
61$3,709,534$45,581$0$2,253,040
62$4,022,012$0$0$2,424,827
63$4,364,287$0$0$2,618,421
64$4,739,333$0$0$2,844,893
65$5,150,425$0$0$3,093,186
66$5,601,171$0$0$3,365,485
67$6,095,542$0$0$3,664,199
68$6,637,916$0$0$3,991,977
69$7,233,112$0$0$4,351,740
70$7,886,439$0$0$4,746,705
71$8,603,744$0$0$5,180,416
72$9,391,471$0$0$5,656,777
73$10,256,716$0$0$6,180,087
74$11,207,296$0$0$6,755,084
75$12,251,824$0$0$7,386,986
76$13,399,787$0$0$8,081,542
77$14,661,639$0$0$8,845,088
78$16,048,893$0$0$9,684,602
79$17,574,239$0$0$10,607,770
80$19,251,653$0$0$11,623,066
81$21,096,535$0$0$12,739,820
82$23,125,854$0$0$13,968,317
83$25,358,304$0$0$15,319,884
84$27,814,483$0$0$16,807,006
85$30,517,085$0$0$18,443,436
86$33,491,117$0$0$20,244,328
87$36,764,130$0$0$22,226,380
88$40,366,484$0$0$24,407,991
89$44,331,629$0$0$26,809,435
90$48,696,423$0$0$29,453,047
91$53,501,480$0$0$32,363,444
92$58,791,551$0$0$35,567,746
93$64,615,945$0$0$39,095,838
94$71,028,999$0$0$42,980,652
95$78,090,584$0$0$47,258,473
96$85,866,675$0$0$51,969,286
97$94,429,969$0$0$57,157,152
98$103,860,573$0$0$62,870,620
99$114,246,760$0$0$69,163,190
100$125,685,798$0$0$76,093,816