Can I retire at age 35 with 331,000?

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 $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%12.3%
1 years$27,334$27,090$26,853$26,621$26,394$26,141
2 years$13,532$13,280$13,035$12,798$12,569$12,313
3 years$8,931$8,678$8,435$8,200$7,974$7,724
4 years$6,632$6,379$6,138$5,908$5,687$5,446
5 years$5,252$5,002$4,764$4,538$4,323$4,090
6 years$4,333$4,084$3,850$3,629$3,421$3,197
7 years$3,677$3,430$3,199$2,983$2,782$2,567
8 years$3,185$2,940$2,713$2,503$2,308$2,102
9 years$2,802$2,560$2,337$2,132$1,944$1,747
10 years$2,496$2,256$2,037$1,838$1,656$1,468
11 years$2,246$2,009$1,794$1,599$1,424$1,245
12 years$2,038$1,803$1,592$1,403$1,234$1,064
13 years$1,862$1,629$1,422$1,238$1,076$914
14 years$1,711$1,481$1,278$1,099$944$789
15 years$1,581$1,353$1,154$980$831$684
16 years$1,466$1,241$1,046$878$734$596
17 years$1,366$1,143$952$789$651$520
18 years$1,277$1,056$869$711$579$455
19 years$1,197$979$795$642$516$399
20 years$1,125$910$730$582$461$350
21 years$1,060$847$671$528$412$308
22 years$1,001$791$619$480$370$272
23 years$948$740$571$437$332$240
24 years$898$693$528$399$298$212
25 years$853$650$489$364$268$187
26 years$812$611$454$333$242$166
27 years$773$575$422$305$218$147
28 years$738$542$392$279$197$130
29 years$705$511$365$256$178$115
30 years$674$483$340$235$160$102
31 years$645$457$317$216$145$91
32 years$618$432$295$198$131$81
33 years$593$409$276$182$119$71
34 years$569$388$258$168$108$64
35 years$547$368$241$154$97$56
36 years$526$349$225$142$88$50
37 years$506$332$211$131$80$45
38 years$487$315$198$121$73$40
39 years$469$300$185$111$66$35
40 years$453$285$174$103$60$31
41 years$437$271$163$95$54$28
42 years$421$258$153$87$49$25
43 years$407$246$143$81$45$22
44 years$393$235$134$75$40$20
45 years$380$224$126$69$37$17
46 years$368$214$119$64$33$16
47 years$356$204$111$59$30$14
48 years$344$195$105$54$27$12
49 years$334$186$98$50$25$11
50 years$323$177$92$46$23$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $331,000, adding $6,567 every year, while hoping to spend $20,692 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: 64/9/27 Blend
34$331,000$331,000$331,000$331,000
35$371,536$353,993$348,862$392,272
36$387,416$349,322$338,533$402,416
37$404,223$343,730$327,164$410,624
38$422,029$337,147$314,699$419,138
39$440,913$329,505$301,079$427,993
40$460,962$320,726$286,241$437,224
41$482,271$310,733$270,121$446,873
42$504,944$299,440$252,651$456,986
43$529,094$286,758$233,761$467,616
44$554,846$272,593$213,376$478,820
45$582,335$256,846$191,419$490,664
46$611,712$239,409$167,810$503,221
47$643,139$220,173$142,464$516,572
48$676,797$199,019$115,294$530,808
49$712,881$175,822$86,208$546,030
50$751,608$150,451$55,109$562,352
51$793,215$122,765$21,898$579,899
52$837,961$92,619$0$598,813
53$886,132$59,857$0$623,150
54$938,042$24,314$0$656,170
55$994,034$0$0$691,784
56$1,054,488$0$0$731,644
57$1,119,818$0$0$777,340
58$1,190,482$0$0$826,786
59$1,266,981$0$0$880,335
60$1,349,869$0$0$938,376
61$1,439,750$0$0$1,001,338
62$1,537,294$0$0$1,069,690
63$1,643,234$0$0$1,143,950
64$1,758,378$0$0$1,224,686
65$1,883,614$0$0$1,312,525
66$2,019,919$0$0$1,408,156
67$2,168,368$0$0$1,512,336
68$2,330,146$0$0$1,625,900
69$2,506,554$0$0$1,749,766
70$2,699,026$0$0$1,884,943
71$2,909,139$0$0$2,032,545
72$3,138,630$0$0$2,193,796
73$3,389,411$0$0$2,370,043
74$3,663,588$0$0$2,562,770
75$3,963,476$0$0$2,773,611
76$4,291,629$0$0$3,004,365
77$4,650,855$0$0$3,257,014
78$5,044,249$0$0$3,533,738
79$5,475,218$0$0$3,836,939
80$5,947,514$0$0$4,169,265
81$6,465,269$0$0$4,533,627
82$7,033,036$0$0$4,933,237
83$7,655,827$0$0$5,371,627
84$8,339,163$0$0$5,852,692
85$9,089,126$0$0$6,380,721
86$9,912,416$0$0$6,960,436
87$10,816,411$0$0$7,597,043
88$11,809,241$0$0$8,296,272
89$12,899,861$0$0$9,064,439
90$14,098,136$0$0$9,908,500
91$15,414,933$0$0$10,836,120
92$16,862,225$0$0$11,855,741
93$18,453,203$0$0$12,976,665
94$20,202,397$0$0$14,209,139
95$22,125,819$0$0$15,564,455
96$24,241,107$0$0$17,055,052
97$26,567,697$0$0$18,694,635
98$29,126,999$0$0$20,498,304
99$31,942,606$0$0$22,482,697
100$35,040,511$0$0$24,666,146