Can I retire at age 35 with 331,000?

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 $331,000?

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%
1 years$27,334$27,090$26,853$26,621$26,394$25,529
2 years$13,532$13,280$13,035$12,798$12,569$11,705
3 years$8,931$8,678$8,435$8,200$7,974$7,139
4 years$6,632$6,379$6,138$5,908$5,687$4,888
5 years$5,252$5,002$4,764$4,538$4,323$3,561
6 years$4,333$4,084$3,850$3,629$3,421$2,697
7 years$3,677$3,430$3,199$2,983$2,782$2,096
8 years$3,185$2,940$2,713$2,503$2,308$1,660
9 years$2,802$2,560$2,337$2,132$1,944$1,332
10 years$2,496$2,256$2,037$1,838$1,656$1,080
11 years$2,246$2,009$1,794$1,599$1,424$883
12 years$2,038$1,803$1,592$1,403$1,234$726
13 years$1,862$1,629$1,422$1,238$1,076$601
14 years$1,711$1,481$1,278$1,099$944$499
15 years$1,581$1,353$1,154$980$831$415
16 years$1,466$1,241$1,046$878$734$347
17 years$1,366$1,143$952$789$651$290
18 years$1,277$1,056$869$711$579$244
19 years$1,197$979$795$642$516$205
20 years$1,125$910$730$582$461$172
21 years$1,060$847$671$528$412$145
22 years$1,001$791$619$480$370$122
23 years$948$740$571$437$332$103
24 years$898$693$528$399$298$87
25 years$853$650$489$364$268$73
26 years$812$611$454$333$242$62
27 years$773$575$422$305$218$52
28 years$738$542$392$279$197$44
29 years$705$511$365$256$178$37
30 years$674$483$340$235$160$32
31 years$645$457$317$216$145$27
32 years$618$432$295$198$131$23
33 years$593$409$276$182$119$19
34 years$569$388$258$168$108$16
35 years$547$368$241$154$97$14
36 years$526$349$225$142$88$12
37 years$506$332$211$131$80$10
38 years$487$315$198$121$73$8
39 years$469$300$185$111$66$7
40 years$453$285$174$103$60$6
41 years$437$271$163$95$54$5
42 years$421$258$153$87$49$4
43 years$407$246$143$81$45$4
44 years$393$235$134$75$40$3
45 years$380$224$126$69$37$3
46 years$368$214$119$64$33$2
47 years$356$204$111$59$30$2
48 years$344$195$105$54$27$2
49 years$334$186$98$50$25$1
50 years$323$177$92$46$23$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $331,000, adding $5,067 every year, while hoping to spend $24,773 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: 57/15/28 Blend
34$331,000$331,000$331,000$331,000
35$369,989$352,446$347,315$387,977
36$381,369$343,357$332,592$391,799
37$393,080$332,993$316,545$392,943
38$405,129$321,265$299,104$393,684
39$417,524$308,078$280,196$393,989
40$430,272$293,334$259,743$393,826
41$443,380$276,928$237,665$393,159
42$456,856$258,749$213,877$391,952
43$470,706$238,678$188,293$390,165
44$484,937$216,592$160,820$387,756
45$499,555$192,360$131,362$384,681
46$514,568$165,843$99,820$380,893
47$529,979$136,895$66,090$376,342
48$545,794$105,360$30,061$370,976
49$562,017$71,076$0$364,738
50$578,653$33,868$0$360,076
51$595,704$0$0$364,169
52$613,173$0$0$369,059
53$631,059$0$0$379,787
54$649,363$0$0$390,761
55$668,082$0$0$401,980
56$687,215$0$0$413,442
57$706,755$0$0$425,141
58$726,696$0$0$437,075
59$747,028$0$0$449,235
60$767,739$0$0$461,615
61$788,815$0$0$474,204
62$810,238$0$0$486,990
63$831,987$0$0$499,960
64$854,036$0$0$513,096
65$876,355$0$0$526,380
66$898,910$0$0$539,788
67$921,660$0$0$553,296
68$944,559$0$0$566,872
69$967,554$0$0$580,483
70$990,583$0$0$594,090
71$1,013,579$0$0$607,648
72$1,036,461$0$0$621,107
73$1,059,142$0$0$634,411
74$1,081,520$0$0$647,495
75$1,103,483$0$0$660,287
76$1,124,903$0$0$672,707
77$1,145,637$0$0$684,663
78$1,165,525$0$0$696,055
79$1,184,387$0$0$706,767
80$1,202,022$0$0$716,672
81$1,218,206$0$0$725,630
82$1,232,688$0$0$733,480
83$1,245,190$0$0$740,047
84$1,255,400$0$0$745,134
85$1,262,972$0$0$748,522
86$1,267,522$0$0$749,969
87$1,268,621$0$0$749,204
88$1,265,794$0$0$745,927
89$1,258,514$0$0$739,805
90$1,246,195$0$0$730,469
91$1,228,188$0$0$717,510
92$1,203,773$0$0$700,474
93$1,172,152$0$0$678,858
94$1,132,442$0$0$652,106
95$1,083,664$0$0$619,601
96$1,024,737$0$0$580,662
97$954,460$0$0$534,534
98$871,510$0$0$480,382
99$774,418$0$0$417,283
100$661,565$0$0$344,216