Can I retire at age 35 with 564,000?

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 $564,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$46,575$46,160$45,755$45,360$44,974$44,120
2 years$23,057$22,627$22,211$21,808$21,416$20,559
3 years$15,218$14,787$14,372$13,972$13,587$12,754
4 years$11,300$10,870$10,459$10,066$9,691$8,887
5 years$8,950$8,522$8,117$7,732$7,367$6,596
6 years$7,383$6,959$6,560$6,183$5,829$5,091
7 years$6,265$5,844$5,451$5,084$4,741$4,036
8 years$5,426$5,010$4,623$4,265$3,933$3,262
9 years$4,775$4,362$3,982$3,632$3,312$2,674
10 years$4,253$3,845$3,471$3,131$2,822$2,216
11 years$3,827$3,423$3,056$2,725$2,427$1,852
12 years$3,473$3,072$2,712$2,390$2,103$1,559
13 years$3,173$2,776$2,423$2,110$1,834$1,320
14 years$2,916$2,524$2,177$1,873$1,608$1,122
15 years$2,693$2,305$1,966$1,671$1,416$958
16 years$2,499$2,115$1,782$1,496$1,251$821
17 years$2,327$1,948$1,622$1,344$1,109$705
18 years$2,175$1,800$1,480$1,211$986$606
19 years$2,039$1,668$1,355$1,094$879$523
20 years$1,917$1,550$1,244$991$785$452
21 years$1,806$1,444$1,144$900$703$391
22 years$1,706$1,348$1,054$818$630$338
23 years$1,615$1,261$974$745$565$293
24 years$1,531$1,181$900$679$508$254
25 years$1,454$1,108$834$620$457$221
26 years$1,383$1,042$773$567$412$192
27 years$1,318$980$718$519$371$167
28 years$1,257$924$668$476$335$145
29 years$1,201$871$621$436$303$126
30 years$1,148$823$579$400$273$110
31 years$1,099$778$540$368$247$96
32 years$1,053$736$503$338$224$83
33 years$1,010$697$470$311$202$73
34 years$970$661$439$286$183$63
35 years$932$627$411$263$166$55
36 years$896$595$384$242$150$48
37 years$862$565$360$223$136$42
38 years$830$537$337$206$124$37
39 years$800$511$315$190$112$32
40 years$771$486$296$175$102$28
41 years$744$462$277$162$92$24
42 years$718$440$260$149$84$21
43 years$693$420$244$138$76$18
44 years$670$400$229$127$69$16
45 years$648$381$215$117$63$14
46 years$627$364$202$108$57$12
47 years$606$347$190$100$52$11
48 years$587$331$178$93$47$9
49 years$568$317$168$86$43$8
50 years$551$302$158$79$39$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $564,000, adding $2,239 every year, while hoping to spend $28,807 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: 43/38/19 Blend
34$564,000$564,000$564,000$564,000
35$623,838$593,946$585,204$647,125
36$656,819$592,398$574,157$662,236
37$692,198$589,810$561,776$675,605
38$730,191$586,099$547,983$689,489
39$771,031$581,179$532,702$703,950
40$814,977$574,958$515,849$719,058
41$862,313$567,339$497,338$734,892
42$913,350$558,219$477,079$751,541
43$968,430$547,490$454,980$769,104
44$1,027,928$535,035$430,940$787,695
45$1,092,257$520,733$404,857$807,441
46$1,161,872$504,453$376,624$828,483
47$1,237,271$486,060$346,129$850,982
48$1,319,003$465,407$313,255$875,117
49$1,407,670$442,341$277,878$901,088
50$1,503,937$416,700$239,871$929,120
51$1,608,532$388,312$199,100$959,464
52$1,722,259$356,995$155,427$992,401
53$1,846,000$322,559$108,704$1,028,245
54$1,980,726$284,799$58,780$1,067,344
55$2,127,508$243,502$5,497$1,110,089
56$2,287,521$198,440$0$1,156,915
57$2,462,060$149,376$0$1,218,719
58$2,652,550$96,055$0$1,287,494
59$2,860,560$38,211$0$1,362,760
60$3,087,816$0$0$1,445,224
61$3,336,221$0$0$1,545,885
62$3,607,866$0$0$1,673,504
63$3,905,056$0$0$1,813,193
64$4,230,330$0$0$1,966,153
65$4,586,480$0$0$2,133,708
66$4,976,584$0$0$2,317,314
67$5,404,031$0$0$2,518,576
68$5,872,553$0$0$2,739,261
69$6,386,259$0$0$2,981,316
70$6,949,676$0$0$3,246,883
71$7,567,790$0$0$3,538,324
72$8,246,093$0$0$3,858,241
73$8,990,634$0$0$4,209,498
74$9,808,077$0$0$4,595,251
75$10,705,762$0$0$5,018,977
76$11,691,774$0$0$5,484,506
77$12,775,021$0$0$5,996,057
78$13,965,316$0$0$6,558,279
79$15,273,469$0$0$7,176,291
80$16,711,390$0$0$7,855,737
81$18,292,200$0$0$8,602,831
82$20,030,354$0$0$9,424,422
83$21,941,779$0$0$10,328,054
84$24,044,022$0$0$11,322,041
85$26,356,415$0$0$12,415,540
86$28,900,260$0$0$13,618,645
87$31,699,024$0$0$14,942,472
88$34,778,567$0$0$16,399,274
89$38,167,380$0$0$18,002,548
90$41,896,856$0$0$19,767,169
91$46,001,585$0$0$21,709,525
92$50,519,681$0$0$23,847,673
93$55,493,139$0$0$26,201,511
94$60,968,235$0$0$28,792,964
95$66,995,956$0$0$31,646,191
96$73,632,487$0$0$34,787,811
97$80,939,737$0$0$38,247,159
98$88,985,924$0$0$42,056,556
99$97,846,217$0$0$46,251,620
100$107,603,448$0$0$50,871,597