Can I retire at age 35 with 281,000?

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 $281,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$23,205$22,998$22,796$22,600$22,407$22,313
2 years$11,487$11,274$11,066$10,865$10,670$10,575
3 years$7,582$7,367$7,161$6,961$6,770$6,676
4 years$5,630$5,416$5,211$5,015$4,828$4,738
5 years$4,459$4,246$4,044$3,852$3,670$3,583
6 years$3,679$3,467$3,268$3,081$2,904$2,820
7 years$3,121$2,912$2,716$2,533$2,362$2,281
8 years$2,704$2,496$2,303$2,125$1,959$1,881
9 years$2,379$2,173$1,984$1,810$1,650$1,575
10 years$2,119$1,916$1,730$1,560$1,406$1,334
11 years$1,907$1,705$1,523$1,358$1,209$1,141
12 years$1,730$1,531$1,351$1,191$1,048$982
13 years$1,581$1,383$1,207$1,051$914$851
14 years$1,453$1,257$1,085$933$801$741
15 years$1,342$1,149$979$832$705$649
16 years$1,245$1,054$888$745$623$569
17 years$1,160$970$808$670$553$501
18 years$1,084$897$738$603$491$443
19 years$1,016$831$675$545$438$392
20 years$955$772$620$494$391$348
21 years$900$719$570$448$350$309
22 years$850$672$525$408$314$275
23 years$804$628$485$371$282$245
24 years$763$588$449$338$253$218
25 years$724$552$416$309$228$195
26 years$689$519$385$283$205$174
27 years$657$488$358$259$185$156
28 years$626$460$333$237$167$140
29 years$598$434$310$217$151$125
30 years$572$410$288$199$136$112
31 years$548$388$269$183$123$101
32 years$525$367$251$168$111$90
33 years$503$347$234$155$101$81
34 years$483$329$219$142$91$73
35 years$464$312$205$131$83$65
36 years$446$296$191$121$75$59
37 years$429$281$179$111$68$53
38 years$414$268$168$103$62$47
39 years$398$254$157$95$56$43
40 years$384$242$147$87$51$38
41 years$371$230$138$80$46$34
42 years$358$219$130$74$42$31
43 years$346$209$122$69$38$28
44 years$334$199$114$63$34$25
45 years$323$190$107$58$31$23
46 years$312$181$101$54$28$20
47 years$302$173$95$50$26$18
48 years$292$165$89$46$23$16
49 years$283$158$84$43$21$15
50 years$274$151$79$39$19$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $281,000, adding $6,770 every year, while hoping to spend $20,727 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: 59/27/14 Blend
34$281,000$281,000$281,000$281,000
35$316,645$301,752$297,397$333,827
36$326,890$294,485$285,306$338,947
37$337,484$286,166$272,116$341,626
38$348,443$276,724$257,767$344,056
39$359,781$266,080$242,199$346,218
40$371,512$254,151$225,346$348,088
41$383,654$240,852$207,143$349,643
42$396,223$226,090$187,518$350,858
43$409,237$209,768$166,399$351,706
44$422,715$191,783$143,710$352,161
45$436,678$172,026$119,370$352,191
46$451,147$150,383$93,297$351,768
47$466,144$126,733$65,403$350,858
48$481,694$100,946$35,597$349,428
49$497,823$72,887$3,785$347,444
50$514,556$42,415$0$344,866
51$531,924$9,376$0$346,164
52$549,958$0$0$347,686
53$568,690$0$0$356,680
54$588,155$0$0$368,924
55$608,392$0$0$381,657
56$629,441$0$0$394,905
57$651,345$0$0$408,694
58$674,151$0$0$423,056
59$697,909$0$0$438,022
60$722,672$0$0$453,627
61$748,499$0$0$469,908
62$775,451$0$0$486,904
63$803,598$0$0$504,660
64$833,010$0$0$523,221
65$863,766$0$0$542,640
66$895,952$0$0$562,969
67$929,660$0$0$584,269
68$964,989$0$0$606,603
69$1,002,047$0$0$630,042
70$1,040,952$0$0$654,662
71$1,081,832$0$0$680,543
72$1,124,824$0$0$707,776
73$1,170,080$0$0$736,458
74$1,217,763$0$0$766,696
75$1,268,053$0$0$798,603
76$1,321,144$0$0$832,307
77$1,377,248$0$0$867,945
78$1,436,597$0$0$905,665
79$1,499,444$0$0$945,633
80$1,566,065$0$0$988,027
81$1,636,762$0$0$1,033,042
82$1,711,866$0$0$1,080,892
83$1,791,738$0$0$1,131,810
84$1,876,772$0$0$1,186,054
85$1,967,401$0$0$1,243,902
86$2,064,099$0$0$1,305,663
87$2,167,385$0$0$1,371,671
88$2,277,828$0$0$1,442,297
89$2,396,051$0$0$1,517,944
90$2,522,738$0$0$1,599,056
91$2,658,639$0$0$1,686,120
92$2,804,578$0$0$1,779,668
93$2,961,457$0$0$1,880,288
94$3,130,268$0$0$1,988,622
95$3,312,101$0$0$2,105,378
96$3,508,151$0$0$2,231,331
97$3,719,732$0$0$2,367,334
98$3,948,287$0$0$2,514,324
99$4,195,402$0$0$2,673,331
100$4,462,822$0$0$2,845,487