Can I retire at age 35 with 576,000?

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 $576,000?

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 years$47,566$47,142$46,728$46,325$45,931$44,443
2 years$23,547$23,109$22,684$22,272$21,872$20,387
3 years$15,542$15,102$14,678$14,270$13,876$12,441
4 years$11,541$11,101$10,682$10,280$9,897$8,521
5 years$9,140$8,704$8,289$7,896$7,523$6,212
6 years$7,540$7,107$6,699$6,315$5,953$4,707
7 years$6,398$5,969$5,567$5,192$4,841$3,660
8 years$5,542$5,116$4,721$4,355$4,016$2,900
9 years$4,876$4,455$4,066$3,710$3,382$2,329
10 years$4,344$3,926$3,545$3,198$2,882$1,889
11 years$3,909$3,496$3,121$2,783$2,479$1,546
12 years$3,546$3,137$2,770$2,441$2,148$1,272
13 years$3,240$2,835$2,475$2,155$1,873$1,053
14 years$2,978$2,577$2,224$1,913$1,642$875
15 years$2,750$2,354$2,008$1,706$1,446$729
16 years$2,552$2,160$1,820$1,528$1,278$609
17 years$2,377$1,989$1,656$1,373$1,133$510
18 years$2,221$1,838$1,512$1,237$1,007$428
19 years$2,083$1,704$1,384$1,118$898$360
20 years$1,958$1,583$1,270$1,012$802$303
21 years$1,845$1,475$1,168$919$718$255
22 years$1,742$1,376$1,077$835$643$215
23 years$1,649$1,287$994$761$577$182
24 years$1,564$1,206$920$694$519$154
25 years$1,485$1,132$852$634$467$130
26 years$1,413$1,064$790$579$421$110
27 years$1,346$1,001$734$530$379$93
28 years$1,284$943$682$486$342$78
29 years$1,226$890$635$446$309$66
30 years$1,172$841$591$409$279$56
31 years$1,122$795$551$376$252$48
32 years$1,075$752$514$345$228$40
33 years$1,032$712$480$317$207$34
34 years$990$675$449$292$187$29
35 years$951$640$419$269$169$24
36 years$915$608$392$248$154$21
37 years$880$577$367$228$139$18
38 years$848$548$344$210$126$15
39 years$817$521$322$194$114$13
40 years$787$496$302$179$104$11
41 years$760$472$283$165$94$9
42 years$733$450$266$152$85$8
43 years$708$429$249$141$78$6
44 years$684$408$234$130$70$6
45 years$662$390$220$120$64$5
46 years$640$372$206$111$58$4
47 years$619$355$194$102$53$3
48 years$599$339$182$95$48$3
49 years$580$323$171$87$43$2
50 years$562$309$161$81$39$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $576,000, adding $2,125 every year, while hoping to spend $24,713 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: 42/42/16 Blend
34$576,000$576,000$576,000$576,000
35$636,944$606,416$597,488$660,628
36$675,618$609,836$591,209$680,955
37$717,408$612,595$583,892$700,360
38$762,607$614,635$575,475$720,846
39$811,534$615,894$565,896$742,522
40$864,543$616,305$555,086$765,513
41$922,022$615,799$542,976$789,956
42$984,395$614,301$529,493$816,002
43$1,052,134$611,732$514,561$843,821
44$1,125,752$608,008$498,100$873,603
45$1,205,819$603,040$480,026$905,556
46$1,292,957$596,733$460,251$939,914
47$1,387,853$588,988$438,685$976,935
48$1,491,264$579,698$415,231$1,016,907
49$1,604,021$568,752$389,789$1,060,148
50$1,727,040$556,029$362,256$1,107,013
51$1,861,328$541,405$332,521$1,157,895
52$2,007,995$524,745$300,472$1,213,229
53$2,168,261$505,908$265,988$1,273,499
54$2,343,471$484,745$228,946$1,339,240
55$2,535,105$461,097$189,216$1,411,047
56$2,744,793$434,798$146,662$1,489,578
57$2,974,328$405,669$101,141$1,575,561
58$3,225,688$373,525$52,508$1,669,806
59$3,501,047$338,167$606$1,773,205
60$3,802,803$299,387$0$1,886,751
61$4,133,594$256,962$0$2,020,891
62$4,496,328$210,660$0$2,168,205
63$4,894,205$160,234$0$2,329,963
64$5,330,752$105,424$0$2,507,681
65$5,809,854$45,954$0$2,703,037
66$6,335,787$0$0$2,917,881
67$6,913,266$0$0$3,162,794
68$7,547,481$0$0$3,455,171
69$8,244,151$0$0$3,776,417
70$9,009,577$0$0$4,129,449
71$9,850,699$0$0$4,517,477
72$10,775,162$0$0$4,944,038
73$11,791,392$0$0$5,413,031
74$12,908,667$0$0$5,928,749
75$14,137,213$0$0$6,495,923
76$15,488,294$0$0$7,119,766
77$16,974,322$0$0$7,806,021
78$18,608,970$0$0$8,561,015
79$20,407,306$0$0$9,391,720
80$22,385,928$0$0$10,305,817
81$24,563,129$0$0$11,311,771
82$26,959,059$0$0$12,418,907
83$29,595,925$0$0$13,637,501
84$32,498,193$0$0$14,978,876
85$35,692,822$0$0$16,455,506
86$39,209,517$0$0$18,081,140
87$43,081,010$0$0$19,870,924
88$47,343,367$0$0$21,841,550
89$52,036,330$0$0$24,011,408
90$57,203,689$0$0$26,400,767
91$62,893,697$0$0$29,031,955
92$69,159,527$0$0$31,929,582
93$76,059,767$0$0$35,120,763
94$83,658,979$0$0$38,635,376
95$92,028,306$0$0$42,506,347
96$101,246,142$0$0$46,769,957
97$111,398,873$0$0$51,466,186
98$122,581,689$0$0$56,639,090
99$134,899,486$0$0$62,337,216
100$148,467,855$0$0$68,614,061