Can I retire at age 35 with 315,000?

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 $315,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$26,012$25,781$25,555$25,334$25,119$24,960
2 years$12,877$12,638$12,405$12,180$11,961$11,802
3 years$8,500$8,259$8,027$7,804$7,589$7,433
4 years$6,311$6,071$5,842$5,622$5,412$5,261
5 years$4,999$4,760$4,533$4,318$4,114$3,968
6 years$4,124$3,887$3,664$3,453$3,256$3,115
7 years$3,499$3,264$3,044$2,839$2,648$2,512
8 years$3,031$2,798$2,582$2,382$2,196$2,067
9 years$2,667$2,436$2,224$2,029$1,850$1,725
10 years$2,376$2,147$1,939$1,749$1,576$1,457
11 years$2,138$1,912$1,707$1,522$1,355$1,242
12 years$1,939$1,716$1,515$1,335$1,175$1,066
13 years$1,772$1,551$1,353$1,179$1,024$921
14 years$1,628$1,409$1,216$1,046$898$799
15 years$1,504$1,288$1,098$933$791$697
16 years$1,396$1,181$995$835$699$610
17 years$1,300$1,088$906$751$620$535
18 years$1,215$1,005$827$676$551$471
19 years$1,139$932$757$611$491$415
20 years$1,071$866$695$554$439$367
21 years$1,009$806$639$502$392$325
22 years$953$753$589$457$352$288
23 years$902$704$544$416$316$256
24 years$855$660$503$379$284$227
25 years$812$619$466$347$255$202
26 years$773$582$432$317$230$180
27 years$736$548$401$290$207$160
28 years$702$516$373$266$187$143
29 years$671$487$347$244$169$128
30 years$641$460$323$224$153$114
31 years$614$435$301$205$138$102
32 years$588$411$281$189$125$91
33 years$564$389$263$174$113$81
34 years$542$369$245$160$102$73
35 years$520$350$229$147$93$65
36 years$500$332$215$135$84$58
37 years$481$316$201$125$76$52
38 years$464$300$188$115$69$47
39 years$447$285$176$106$63$42
40 years$431$271$165$98$57$37
41 years$415$258$155$90$51$33
42 years$401$246$145$83$47$30
43 years$387$234$136$77$42$27
44 years$374$223$128$71$38$24
45 years$362$213$120$66$35$22
46 years$350$203$113$61$32$19
47 years$339$194$106$56$29$17
48 years$328$185$100$52$26$16
49 years$317$177$94$48$24$14
50 years$308$169$88$44$22$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $315,000, adding $6,135 every year, while hoping to spend $23,746 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: 53/31/16 Blend
34$315,000$315,000$315,000$315,000
35$353,458$336,763$331,881$370,361
36$364,245$327,999$317,733$373,829
37$375,337$318,010$302,316$374,568
38$386,739$306,710$285,561$374,844
39$398,457$294,009$267,398$374,618
40$410,497$279,813$247,753$373,850
41$422,864$264,020$226,550$372,499
42$435,564$246,524$203,706$370,518
43$448,600$227,213$179,139$367,861
44$461,976$205,966$152,759$364,476
45$475,697$182,657$124,476$360,310
46$489,766$157,155$94,194$355,304
47$504,184$129,318$61,811$349,399
48$518,954$98,997$27,225$342,530
49$534,075$66,036$0$334,628
50$549,548$30,269$0$327,273
51$565,370$0$0$323,802
52$581,539$0$0$322,393
53$598,050$0$0$331,492
54$614,896$0$0$340,771
55$632,070$0$0$350,223
56$649,562$0$0$359,842
57$667,357$0$0$369,620
58$685,441$0$0$379,547
59$703,795$0$0$389,612
60$722,397$0$0$399,801
61$741,221$0$0$410,099
62$760,237$0$0$420,486
63$779,410$0$0$430,943
64$798,700$0$0$441,445
65$818,061$0$0$451,964
66$837,440$0$0$462,469
67$856,778$0$0$472,924
68$876,007$0$0$483,289
69$895,051$0$0$493,519
70$913,821$0$0$503,561
71$932,223$0$0$513,358
72$950,144$0$0$522,845
73$967,463$0$0$531,949
74$984,041$0$0$540,589
75$999,724$0$0$548,673
76$1,014,339$0$0$556,099
77$1,027,692$0$0$562,754
78$1,039,570$0$0$568,511
79$1,049,731$0$0$573,227
80$1,057,908$0$0$576,747
81$1,063,804$0$0$578,895
82$1,067,088$0$0$579,477
83$1,067,393$0$0$578,276
84$1,064,310$0$0$575,053
85$1,057,386$0$0$569,542
86$1,046,118$0$0$561,448
87$1,029,948$0$0$550,443
88$1,008,258$0$0$536,165
89$980,363$0$0$518,212
90$945,505$0$0$496,140
91$902,844$0$0$469,456
92$851,449$0$0$437,616
93$790,292$0$0$400,017
94$718,235$0$0$355,992
95$634,019$0$0$304,805
96$536,253$0$0$245,640
97$423,398$0$0$177,598
98$293,754$0$0$99,683
99$145,442$0$0$10,795
100$0$0$0$0