Can I retire at age 35 with 252,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $252,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$20,810$20,625$20,444$20,267$20,095$19,397
2 years$10,302$10,110$9,924$9,744$9,569$8,873
3 years$6,800$6,607$6,422$6,243$6,071$5,399
4 years$5,049$4,857$4,673$4,498$4,330$3,687
5 years$3,999$3,808$3,627$3,455$3,291$2,679
6 years$3,299$3,109$2,931$2,763$2,604$2,024
7 years$2,799$2,611$2,436$2,271$2,118$1,568
8 years$2,425$2,238$2,066$1,905$1,757$1,238
9 years$2,133$1,949$1,779$1,623$1,480$990
10 years$1,900$1,718$1,551$1,399$1,261$801
11 years$1,710$1,529$1,365$1,218$1,084$652
12 years$1,552$1,373$1,212$1,068$940$535
13 years$1,418$1,240$1,083$943$819$441
14 years$1,303$1,128$973$837$718$365
15 years$1,203$1,030$878$746$632$303
16 years$1,116$945$796$668$559$252
17 years$1,040$870$725$601$496$210
18 years$972$804$661$541$441$176
19 years$911$745$606$489$393$147
20 years$856$693$556$443$351$123
21 years$807$645$511$402$314$103
22 years$762$602$471$365$281$87
23 years$721$563$435$333$253$73
24 years$684$528$402$304$227$61
25 years$650$495$373$277$204$51
26 years$618$465$346$253$184$43
27 years$589$438$321$232$166$36
28 years$562$413$298$213$150$31
29 years$536$389$278$195$135$26
30 years$513$368$259$179$122$22
31 years$491$348$241$164$110$18
32 years$471$329$225$151$100$15
33 years$451$312$210$139$90$13
34 years$433$295$196$128$82$11
35 years$416$280$183$118$74$9
36 years$400$266$172$108$67$8
37 years$385$252$161$100$61$7
38 years$371$240$150$92$55$6
39 years$357$228$141$85$50$5
40 years$345$217$132$78$45$4
41 years$332$207$124$72$41$3
42 years$321$197$116$67$37$3
43 years$310$187$109$61$34$2
44 years$299$179$102$57$31$2
45 years$289$170$96$52$28$2
46 years$280$163$90$48$25$1
47 years$271$155$85$45$23$1
48 years$262$148$80$41$21$1
49 years$254$141$75$38$19$1
50 years$246$135$70$35$17$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $252,000, adding $3,800 every year, while hoping to spend $20,403 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: 44/29/27 Blend
34$252,000$252,000$252,000$252,000
35$281,624$268,268$264,362$291,665
36$288,641$259,704$251,509$290,622
37$295,690$250,037$237,542$287,248
38$302,752$239,191$222,402$283,197
39$309,807$227,086$206,027$278,416
40$316,832$213,638$188,353$272,850
41$323,799$198,756$169,313$266,440
42$330,678$182,346$148,836$259,124
43$337,434$164,309$126,850$250,834
44$344,031$144,538$103,278$241,498
45$350,424$122,922$78,039$231,040
46$356,565$99,343$51,051$219,375
47$362,400$73,676$22,227$206,416
48$367,868$45,790$0$192,069
49$372,902$15,545$0$178,689
50$377,425$0$0$170,704
51$381,355$0$0$167,105
52$384,597$0$0$168,116
53$387,046$0$0$168,725
54$388,586$0$0$168,875
55$389,088$0$0$168,503
56$388,409$0$0$167,539
57$386,389$0$0$165,904
58$382,852$0$0$163,513
59$377,601$0$0$160,270
60$370,418$0$0$156,069
61$361,064$0$0$150,791
62$349,270$0$0$144,308
63$334,742$0$0$136,475
64$317,153$0$0$127,132
65$296,139$0$0$116,104
66$271,301$0$0$103,194
67$242,196$0$0$88,189
68$208,334$0$0$70,848
69$169,173$0$0$50,910
70$124,114$0$0$28,081
71$72,497$0$0$2,042
72$13,590$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0