Can I retire at age 35 with 570,000?

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 $570,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$47,070$46,651$46,242$45,842$45,453$44,210
2 years$23,302$22,868$22,447$22,040$21,644$20,402
3 years$15,380$14,945$14,525$14,121$13,732$12,528
4 years$11,420$10,986$10,570$10,173$9,794$8,638
5 years$9,045$8,613$8,203$7,814$7,445$6,340
6 years$7,462$7,033$6,629$6,249$5,891$4,838
7 years$6,331$5,906$5,509$5,138$4,791$3,791
8 years$5,484$5,063$4,672$4,310$3,975$3,026
9 years$4,825$4,408$4,024$3,671$3,347$2,449
10 years$4,299$3,886$3,508$3,164$2,852$2,004
11 years$3,868$3,459$3,089$2,754$2,453$1,653
12 years$3,510$3,105$2,741$2,416$2,126$1,372
13 years$3,206$2,806$2,449$2,133$1,853$1,145
14 years$2,947$2,550$2,200$1,893$1,625$960
15 years$2,722$2,330$1,987$1,688$1,431$808
16 years$2,525$2,138$1,801$1,512$1,264$681
17 years$2,352$1,969$1,639$1,358$1,121$576
18 years$2,198$1,819$1,496$1,224$997$488
19 years$2,061$1,686$1,370$1,106$888$415
20 years$1,937$1,567$1,257$1,002$794$352
21 years$1,826$1,459$1,156$909$710$300
22 years$1,724$1,362$1,066$827$637$256
23 years$1,632$1,274$984$753$571$218
24 years$1,547$1,194$910$687$514$186
25 years$1,470$1,120$843$627$462$159
26 years$1,398$1,053$782$573$416$136
27 years$1,332$991$726$525$375$116
28 years$1,270$934$675$481$339$99
29 years$1,213$881$628$441$306$85
30 years$1,160$832$585$405$276$73
31 years$1,111$786$545$372$250$62
32 years$1,064$744$509$342$226$53
33 years$1,021$705$475$314$205$45
34 years$980$668$444$289$185$39
35 years$942$633$415$266$168$33
36 years$905$601$388$245$152$29
37 years$871$571$363$226$138$24
38 years$839$543$340$208$125$21
39 years$808$516$319$192$113$18
40 years$779$491$299$177$103$15
41 years$752$467$280$163$93$13
42 years$726$445$263$151$85$11
43 years$701$424$247$139$77$10
44 years$677$404$231$128$70$8
45 years$655$385$217$119$63$7
46 years$633$368$204$110$57$6
47 years$613$351$192$101$52$5
48 years$593$335$180$94$47$4
49 years$574$320$169$86$43$4
50 years$557$306$159$80$39$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $570,000, adding $5,617 every year, while hoping to spend $36,461 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: 72/6/22 Blend
34$570,000$570,000$570,000$570,000
35$633,934$603,724$594,889$675,762
36$659,801$594,512$576,023$695,151
37$687,084$583,627$555,304$711,505
38$715,890$570,948$532,630$728,512
39$746,334$556,348$507,896$746,234
40$778,542$539,690$480,992$764,736
41$812,652$520,834$451,804$784,092
42$848,814$499,626$420,211$804,386
43$887,192$475,907$386,088$825,709
44$927,967$449,508$349,303$848,163
45$971,335$420,249$309,719$871,862
46$1,017,510$387,940$267,195$896,933
47$1,066,730$352,383$221,579$923,515
48$1,119,250$313,364$172,716$951,765
49$1,175,355$270,660$120,443$981,857
50$1,235,354$224,035$64,591$1,013,981
51$1,299,586$173,238$4,980$1,048,353
52$1,368,424$118,007$0$1,085,209
53$1,442,276$58,063$0$1,138,574
54$1,521,591$0$0$1,197,120
55$1,606,860$0$0$1,260,502
56$1,698,624$0$0$1,332,856
57$1,797,475$0$0$1,410,819
58$1,904,066$0$0$1,494,908
59$2,019,111$0$0$1,585,690
60$2,143,396$0$0$1,683,788
61$2,277,787$0$0$1,789,887
62$2,423,232$0$0$1,904,741
63$2,580,775$0$0$2,029,177
64$2,751,564$0$0$2,164,105
65$2,936,862$0$0$2,310,526
66$3,138,056$0$0$2,469,541
67$3,356,673$0$0$2,642,360
68$3,594,393$0$0$2,830,317
69$3,853,064$0$0$3,034,876
70$4,134,719$0$0$3,257,649
71$4,441,595$0$0$3,500,412
72$4,776,153$0$0$3,765,117
73$5,141,105$0$0$4,053,913
74$5,539,432$0$0$4,369,166
75$5,974,417$0$0$4,713,481
76$6,449,674$0$0$5,089,723
77$6,969,182$0$0$5,501,049
78$7,537,322$0$0$5,950,933
79$8,158,917$0$0$6,443,203
80$8,839,277$0$0$6,982,070
81$9,584,250$0$0$7,572,173
82$10,400,277$0$0$8,218,623
83$11,294,449$0$0$8,927,044
84$12,274,578$0$0$9,703,632
85$13,349,264$0$0$10,555,213
86$14,527,982$0$0$11,489,301
87$15,821,169$0$0$12,514,177
88$17,240,317$0$0$13,638,958
89$18,798,088$0$0$14,873,690
90$20,508,429$0$0$16,229,437
91$22,386,702$0$0$17,718,386
92$24,449,830$0$0$19,353,965
93$26,716,458$0$0$21,150,965
94$29,207,123$0$0$23,125,679
95$31,944,452$0$0$25,296,061
96$34,953,372$0$0$27,681,885
97$38,261,346$0$0$30,304,940
98$41,898,628$0$0$33,189,232
99$45,898,555$0$0$36,361,207
100$50,297,851$0$0$39,850,003