Can I retire at age 35 with 565,000?

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 $565,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$46,657$46,242$45,836$45,440$45,054$43,647
2 years$23,098$22,667$22,251$21,846$21,454$20,049
3 years$15,245$14,813$14,398$13,997$13,611$12,252
4 years$11,320$10,889$10,478$10,084$9,708$8,405
5 years$8,966$8,537$8,131$7,746$7,380$6,137
6 years$7,396$6,971$6,571$6,194$5,839$4,658
7 years$6,276$5,855$5,461$5,093$4,749$3,628
8 years$5,436$5,018$4,631$4,272$3,940$2,879
9 years$4,783$4,370$3,989$3,639$3,318$2,316
10 years$4,261$3,852$3,477$3,137$2,827$1,883
11 years$3,834$3,429$3,062$2,730$2,431$1,543
12 years$3,479$3,077$2,717$2,394$2,107$1,273
13 years$3,178$2,781$2,427$2,114$1,837$1,055
14 years$2,921$2,528$2,181$1,877$1,611$879
15 years$2,698$2,309$1,969$1,674$1,418$734
16 years$2,503$2,119$1,785$1,498$1,253$615
17 years$2,331$1,951$1,625$1,346$1,111$516
18 years$2,179$1,803$1,483$1,213$988$434
19 years$2,043$1,671$1,358$1,096$881$366
20 years$1,920$1,553$1,246$993$787$309
21 years$1,810$1,446$1,146$901$704$261
22 years$1,709$1,350$1,056$819$631$220
23 years$1,618$1,263$975$746$566$186
24 years$1,534$1,183$902$681$509$158
25 years$1,457$1,110$835$622$458$134
26 years$1,386$1,044$775$568$413$113
27 years$1,320$982$719$520$372$96
28 years$1,259$925$669$477$336$81
29 years$1,203$873$622$437$303$69
30 years$1,150$824$580$401$274$59
31 years$1,101$779$541$368$248$50
32 years$1,055$737$504$339$224$42
33 years$1,012$698$471$311$203$36
34 years$971$662$440$286$184$30
35 years$933$628$411$264$166$26
36 years$897$596$385$243$151$22
37 years$863$566$360$224$137$19
38 years$831$538$337$206$124$16
39 years$801$511$316$190$112$13
40 years$772$487$296$175$102$11
41 years$745$463$278$162$92$10
42 years$719$441$261$149$84$8
43 years$695$420$244$138$76$7
44 years$671$401$229$127$69$6
45 years$649$382$215$118$63$5
46 years$628$364$202$109$57$4
47 years$607$348$190$100$52$4
48 years$588$332$179$93$47$3
49 years$569$317$168$86$43$3
50 years$552$303$158$79$39$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $565,000, adding $4,404 every year, while hoping to spend $23,781 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: 87/6/7 Blend
34$565,000$565,000$565,000$565,000
35$627,173$597,228$588,470$681,031
36$665,842$601,189$582,881$720,755
37$707,658$604,548$576,308$760,657
38$752,917$607,248$568,692$803,745
39$801,944$609,234$559,973$850,323
40$855,098$610,441$550,088$900,727
41$912,770$610,806$538,969$955,324
42$975,395$610,257$526,546$1,014,519
43$1,043,448$608,722$512,748$1,078,759
44$1,117,451$606,121$497,496$1,148,535
45$1,197,982$602,372$480,713$1,224,388
46$1,285,672$597,384$462,313$1,306,915
47$1,381,221$591,066$442,211$1,396,771
48$1,485,394$583,317$420,314$1,494,680
49$1,599,037$574,032$396,526$1,601,437
50$1,723,078$563,099$370,750$1,717,920
51$1,858,541$550,400$342,879$1,845,093
52$2,006,552$535,809$312,805$1,984,023
53$2,168,351$519,195$280,415$2,135,880
54$2,345,303$500,416$245,589$2,301,957
55$2,538,912$479,324$208,204$2,483,676
56$2,750,831$455,761$168,129$2,682,605
57$2,982,885$429,562$125,230$2,900,470
58$3,237,079$400,551$79,366$3,139,176
59$3,515,624$368,541$30,387$3,400,819
60$3,820,954$333,336$0$3,687,708
61$4,155,750$294,728$0$4,004,025
62$4,522,964$252,497$0$4,353,468
63$4,925,849$206,413$0$4,736,868
64$5,367,987$156,228$0$5,157,645
65$5,853,324$101,685$0$5,619,565
66$6,386,206$42,511$0$6,126,778
67$6,971,421$0$0$6,683,856
68$7,614,243$0$0$7,297,263
69$8,320,483$0$0$7,974,274
70$9,096,541$0$0$8,718,221
71$9,949,469$0$0$9,535,863
72$10,887,036$0$0$10,434,649
73$11,917,801$0$0$11,422,783
74$13,051,192$0$0$12,509,307
75$14,297,600$0$0$13,704,181
76$15,668,469$0$0$15,018,378
77$17,176,411$0$0$16,463,989
78$18,835,321$0$0$18,054,335
79$20,660,507$0$0$19,804,093
80$22,668,838$0$0$21,729,435
81$24,878,898$0$0$23,848,180
82$27,311,167$0$0$26,179,961
83$29,988,208$0$0$28,746,410
84$32,934,883$0$0$31,571,364
85$36,178,587$0$0$34,681,087
86$39,749,506$0$0$38,104,519
87$43,680,900$0$0$41,873,549
88$48,009,421$0$0$46,023,315
89$52,775,452$0$0$50,592,535
90$58,023,494$0$0$55,623,873
91$63,802,583$0$0$61,164,340
92$70,166,750$0$0$67,265,741
93$77,175,535$0$0$73,985,157
94$84,894,548$0$0$81,385,491
95$93,396,084$0$0$89,536,055
96$102,759,809$0$0$98,513,228
97$113,073,510$0$0$108,401,174
98$124,433,922$0$0$119,292,637
99$136,947,645$0$0$131,289,818
100$150,732,143$0$0$144,505,336