Can I retire at age 35 with 561,000?

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 $561,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$46,327$45,914$45,512$45,119$44,735$43,062
2 years$22,934$22,507$22,093$21,692$21,302$19,636
3 years$15,138$14,709$14,296$13,898$13,515$11,908
4 years$11,240$10,812$10,404$10,013$9,639$8,103
5 years$8,902$8,477$8,074$7,691$7,327$5,867
6 years$7,344$6,922$6,525$6,150$5,798$4,414
7 years$6,232$5,813$5,422$5,057$4,715$3,407
8 years$5,398$4,983$4,598$4,242$3,912$2,678
9 years$4,749$4,339$3,961$3,613$3,294$2,134
10 years$4,231$3,824$3,453$3,115$2,807$1,717
11 years$3,807$3,404$3,040$2,711$2,414$1,393
12 years$3,454$3,056$2,698$2,378$2,092$1,137
13 years$3,156$2,761$2,410$2,099$1,824$932
14 years$2,900$2,510$2,166$1,863$1,599$767
15 years$2,679$2,293$1,955$1,662$1,408$634
16 years$2,485$2,104$1,773$1,488$1,244$525
17 years$2,315$1,938$1,613$1,337$1,103$435
18 years$2,164$1,790$1,473$1,205$981$362
19 years$2,028$1,659$1,348$1,089$874$301
20 years$1,907$1,542$1,237$986$781$251
21 years$1,797$1,436$1,138$895$699$209
22 years$1,697$1,341$1,049$814$627$175
23 years$1,606$1,254$968$741$562$146
24 years$1,523$1,175$896$676$505$122
25 years$1,446$1,102$830$617$455$102
26 years$1,376$1,036$769$564$410$85
27 years$1,311$975$714$517$369$71
28 years$1,250$919$664$473$333$60
29 years$1,194$867$618$434$301$50
30 years$1,142$819$576$398$272$42
31 years$1,093$774$537$366$246$35
32 years$1,047$732$501$336$222$29
33 years$1,005$693$468$309$201$25
34 years$964$657$437$284$182$21
35 years$927$623$408$262$165$17
36 years$891$592$382$241$150$14
37 years$857$562$358$222$136$12
38 years$826$534$335$205$123$10
39 years$795$508$314$189$111$9
40 years$767$483$294$174$101$7
41 years$740$460$276$161$92$6
42 years$714$438$259$148$83$5
43 years$690$417$243$137$76$4
44 years$667$398$228$126$69$4
45 years$644$379$214$117$62$3
46 years$623$362$201$108$56$2
47 years$603$345$189$100$51$2
48 years$584$330$177$92$47$2
49 years$565$315$167$85$42$1
50 years$548$301$157$79$38$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $561,000, adding $4,375 every year, while hoping to spend $36,217 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: 54/38/8 Blend
34$561,000$561,000$561,000$561,000
35$622,735$593,002$584,306$654,925
36$647,719$583,524$565,346$667,735
37$674,038$572,369$544,537$677,322
38$701,789$559,414$521,778$686,887
39$731,080$544,533$496,966$696,432
40$762,026$527,591$469,990$705,965
41$794,754$508,445$440,736$715,496
42$829,403$486,943$409,085$725,035
43$866,124$462,925$374,911$734,599
44$905,083$436,222$338,085$744,209
45$946,460$406,655$298,469$753,888
46$990,452$374,035$255,921$763,669
47$1,037,276$338,161$210,293$773,587
48$1,087,170$298,822$161,428$783,687
49$1,140,391$255,794$109,166$794,019
50$1,197,224$208,841$53,336$804,646
51$1,257,980$157,714$0$815,638
52$1,323,001$102,148$0$827,611
53$1,392,660$41,867$0$845,021
54$1,467,367$0$0$863,439
55$1,547,574$0$0$892,802
56$1,633,773$0$0$943,212
57$1,726,507$0$0$997,482
58$1,826,373$0$0$1,055,967
59$1,934,023$0$0$1,119,055
60$2,050,176$0$0$1,187,173
61$2,175,622$0$0$1,260,788
62$2,311,227$0$0$1,340,417
63$2,457,945$0$0$1,426,625
64$2,616,825$0$0$1,520,036
65$2,789,017$0$0$1,621,333
66$2,975,790$0$0$1,731,269
67$3,178,535$0$0$1,850,672
68$3,398,785$0$0$1,980,454
69$3,638,227$0$0$2,121,614
70$3,898,713$0$0$2,275,257
71$4,182,285$0$0$2,442,594
72$4,491,187$0$0$2,624,960
73$4,827,890$0$0$2,823,824
74$5,195,112$0$0$3,040,802
75$5,595,847$0$0$3,277,674
76$6,033,388$0$0$3,536,398
77$6,511,361$0$0$3,819,131
78$7,033,758$0$0$4,128,246
79$7,604,974$0$0$4,466,358
80$8,229,848$0$0$4,836,342
81$8,913,708$0$0$5,241,370
82$9,662,421$0$0$5,684,930
83$10,482,447$0$0$6,170,864
84$11,380,901$0$0$6,703,404
85$12,365,619$0$0$7,287,212
86$13,445,230$0$0$7,927,421
87$14,629,238$0$0$8,629,683
88$15,928,112$0$0$9,400,226
89$17,353,381$0$0$10,245,910
90$18,917,748$0$0$11,174,290
91$20,635,200$0$0$12,193,688
92$22,521,150$0$0$13,313,273
93$24,592,573$0$0$14,543,144
94$26,868,171$0$0$15,894,428
95$29,368,545$0$0$17,379,380
96$32,116,392$0$0$19,011,505
97$35,136,715$0$0$20,805,679
98$38,457,061$0$0$22,778,291
99$42,107,779$0$0$24,947,398
100$46,122,305$0$0$27,332,895