Can I retire at age 35 with 560,000?

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 $560,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$46,244$45,832$45,430$45,038$44,655$43,191
2 years$22,893$22,467$22,054$21,653$21,264$19,803
3 years$15,111$14,682$14,270$13,873$13,491$12,079
4 years$11,220$10,793$10,385$9,995$9,622$8,269
5 years$8,886$8,462$8,059$7,677$7,314$6,025
6 years$7,331$6,910$6,513$6,139$5,788$4,563
7 years$6,220$5,803$5,412$5,048$4,707$3,546
8 years$5,388$4,974$4,590$4,234$3,905$2,808
9 years$4,741$4,331$3,953$3,607$3,288$2,253
10 years$4,223$3,817$3,447$3,109$2,802$1,827
11 years$3,800$3,398$3,034$2,706$2,410$1,494
12 years$3,448$3,050$2,693$2,373$2,088$1,229
13 years$3,150$2,757$2,406$2,095$1,821$1,016
14 years$2,895$2,506$2,162$1,860$1,596$843
15 years$2,674$2,289$1,952$1,659$1,405$703
16 years$2,481$2,100$1,770$1,485$1,242$587
17 years$2,311$1,934$1,610$1,334$1,101$491
18 years$2,160$1,787$1,470$1,203$979$412
19 years$2,025$1,656$1,346$1,087$873$346
20 years$1,903$1,539$1,235$984$780$291
21 years$1,794$1,434$1,136$893$698$245
22 years$1,694$1,338$1,047$812$625$206
23 years$1,603$1,252$967$740$561$174
24 years$1,520$1,173$894$675$505$147
25 years$1,444$1,101$828$616$454$124
26 years$1,373$1,034$768$563$409$105
27 years$1,308$973$713$516$369$89
28 years$1,248$917$663$472$333$75
29 years$1,192$865$617$433$300$63
30 years$1,140$817$575$398$271$54
31 years$1,091$773$536$365$245$45
32 years$1,046$731$500$336$222$38
33 years$1,003$692$467$309$201$32
34 years$963$656$436$284$182$27
35 years$925$622$408$261$165$23
36 years$889$591$381$241$149$20
37 years$856$561$357$222$135$17
38 years$824$533$334$204$123$14
39 years$794$507$313$188$111$12
40 years$766$482$294$174$101$10
41 years$739$459$275$160$92$9
42 years$713$437$258$148$83$7
43 years$689$417$242$137$75$6
44 years$665$397$227$126$68$5
45 years$643$379$214$117$62$4
46 years$622$361$201$108$56$4
47 years$602$345$188$99$51$3
48 years$583$329$177$92$47$3
49 years$564$314$166$85$42$2
50 years$547$300$156$78$38$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $560,000, adding $3,233 every year, while hoping to spend $21,616 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: 58/26/16 Blend
34$560,000$560,000$560,000$560,000
35$620,455$590,775$582,095$653,695
36$660,742$596,724$578,596$682,524
37$704,414$602,239$574,255$711,280
38$751,793$607,278$569,021$742,129
39$803,234$611,793$562,842$775,277
40$859,127$615,734$555,660$810,950
41$919,901$619,047$547,418$849,399
42$986,028$621,678$538,053$890,898
43$1,058,027$623,564$527,502$935,755
44$1,136,469$624,643$515,697$984,304
45$1,221,985$624,846$502,569$1,036,918
46$1,315,265$624,101$488,043$1,094,008
47$1,417,072$622,332$472,042$1,156,027
48$1,528,244$619,457$454,486$1,223,475
49$1,649,705$615,390$435,291$1,296,906
50$1,782,470$610,040$414,369$1,376,929
51$1,927,660$603,309$391,627$1,464,218
52$2,086,504$595,095$366,971$1,559,517
53$2,260,361$585,288$340,298$1,663,646
54$2,450,724$573,773$311,504$1,777,511
55$2,659,238$560,428$280,479$1,902,113
56$2,887,714$545,123$247,109$2,038,554
57$3,138,148$527,721$211,274$2,188,054
58$3,412,737$508,076$172,849$2,351,955
59$3,713,900$486,036$131,704$2,531,742
60$4,044,303$461,437$87,701$2,729,052
61$4,406,883$434,108$40,700$2,945,690
62$4,804,872$403,867$0$3,183,650
63$5,241,834$370,521$0$3,446,745
64$5,721,691$333,868$0$3,743,307
65$6,248,768$293,692$0$4,069,083
66$6,827,826$249,766$0$4,427,057
67$7,464,111$201,851$0$4,820,515
68$8,163,403$149,694$0$5,253,081
69$8,932,067$93,026$0$5,728,753
70$9,777,119$31,565$0$6,251,936
71$10,706,287$0$0$6,827,488
72$11,728,084$0$0$7,470,776
73$12,851,893$0$0$8,188,271
74$14,088,047$0$0$8,977,548
75$15,447,935$0$0$9,845,884
76$16,944,103$0$0$10,801,299
77$18,590,376$0$0$11,852,626
78$20,401,984$0$0$13,009,602
79$22,395,711$0$0$14,282,951
80$24,590,050$0$0$15,684,492
81$27,005,375$0$0$17,227,248
82$29,664,138$0$0$18,925,567
83$32,591,077$0$0$20,795,261
84$35,813,452$0$0$22,853,751
85$39,361,299$0$0$25,120,235
86$43,267,715$0$0$27,615,865
87$47,569,170$0$0$30,363,950
88$52,305,850$0$0$33,390,175
89$57,522,037$0$0$36,722,841
90$63,266,526$0$0$40,393,136
91$69,593,086$0$0$44,435,425
92$76,560,966$0$0$48,887,576
93$84,235,456$0$0$53,791,319
94$92,688,500$0$0$59,192,635
95$101,999,377$0$0$65,142,195
96$112,255,447$0$0$71,695,836
97$123,552,979$0$0$78,915,086
98$135,998,055$0$0$86,867,747
99$149,707,573$0$0$95,628,534
100$164,810,350$0$0$105,279,780