Can I retire at age 35 with 332,000?

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 $332,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$27,416$27,172$26,934$26,701$26,474$25,525
2 years$13,572$13,320$13,075$12,837$12,607$11,660
3 years$8,958$8,705$8,460$8,225$7,998$7,085
4 years$6,652$6,399$6,157$5,926$5,704$4,831
5 years$5,268$5,017$4,778$4,551$4,336$3,505
6 years$4,346$4,097$3,861$3,640$3,431$2,643
7 years$3,688$3,440$3,209$2,992$2,791$2,045
8 years$3,194$2,949$2,721$2,510$2,315$1,611
9 years$2,811$2,568$2,344$2,138$1,950$1,287
10 years$2,504$2,263$2,043$1,843$1,661$1,038
11 years$2,253$2,015$1,799$1,604$1,429$844
12 years$2,044$1,808$1,597$1,407$1,238$691
13 years$1,868$1,634$1,426$1,242$1,080$568
14 years$1,716$1,485$1,282$1,103$946$469
15 years$1,585$1,357$1,157$983$833$388
16 years$1,471$1,245$1,049$881$736$323
17 years$1,370$1,147$955$791$653$268
18 years$1,280$1,060$871$713$581$224
19 years$1,200$982$798$644$517$187
20 years$1,128$912$732$583$462$156
21 years$1,063$850$673$530$414$131
22 years$1,004$793$621$481$371$109
23 years$950$742$573$438$333$92
24 years$901$695$530$400$299$77
25 years$856$652$491$365$269$65
26 years$814$613$455$334$242$54
27 years$776$577$423$306$219$45
28 years$740$544$393$280$197$38
29 years$707$513$366$257$178$32
30 years$676$484$341$236$161$27
31 years$647$458$318$216$146$23
32 years$620$433$296$199$132$19
33 years$595$410$277$183$119$16
34 years$571$389$259$168$108$13
35 years$548$369$242$155$98$11
36 years$527$350$226$143$89$10
37 years$507$333$212$131$80$8
38 years$489$316$198$121$73$7
39 years$471$301$186$112$66$6
40 years$454$286$174$103$60$5
41 years$438$272$163$95$54$4
42 years$423$259$153$88$49$3
43 years$408$247$144$81$45$3
44 years$394$235$135$75$41$2
45 years$381$225$127$69$37$2
46 years$369$214$119$64$33$2
47 years$357$204$112$59$30$1
48 years$345$195$105$54$28$1
49 years$335$186$99$50$25$1
50 years$324$178$93$47$23$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $332,000, adding $4,829 every year, while hoping to spend $25,122 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: 56/17/27 Blend
34$332,000$332,000$332,000$332,000
35$370,845$353,249$348,103$388,616
36$381,942$343,829$333,035$391,942
37$393,328$333,105$316,620$392,538
38$405,008$320,987$298,787$392,673
39$416,982$307,379$279,460$392,310
40$429,254$292,181$258,562$391,411
41$441,825$275,284$236,011$389,933
42$454,695$256,577$211,720$387,835
43$467,863$235,938$185,602$385,068
44$481,328$213,243$157,563$381,584
45$495,088$188,356$127,506$377,330
46$509,138$161,136$95,328$372,251
47$523,473$131,435$60,925$366,286
48$538,086$99,094$24,184$359,372
49$552,968$63,946$0$351,443
50$568,107$25,816$0$346,754
51$583,491$0$0$348,617
52$599,104$0$0$352,909
53$614,926$0$0$362,144
54$630,935$0$0$371,477
55$647,106$0$0$380,893
56$663,408$0$0$390,372
57$679,808$0$0$399,894
58$696,265$0$0$409,431
59$712,736$0$0$418,958
60$729,168$0$0$428,440
61$745,503$0$0$437,843
62$761,677$0$0$447,124
63$777,614$0$0$456,237
64$793,232$0$0$465,131
65$808,437$0$0$473,745
66$823,122$0$0$482,015
67$837,171$0$0$489,868
68$850,450$0$0$497,219
69$862,812$0$0$503,979
70$874,093$0$0$510,043
71$884,106$0$0$515,297
72$892,649$0$0$519,614
73$899,491$0$0$522,852
74$904,378$0$0$524,852
75$907,028$0$0$525,440
76$907,125$0$0$524,420
77$904,322$0$0$521,575
78$898,229$0$0$516,665
79$888,418$0$0$509,425
80$874,411$0$0$499,557
81$855,679$0$0$486,736
82$831,637$0$0$470,597
83$801,636$0$0$450,741
84$764,959$0$0$426,721
85$720,809$0$0$398,047
86$668,307$0$0$364,173
87$606,480$0$0$324,499
88$534,252$0$0$278,358
89$450,433$0$0$225,014
90$353,708$0$0$163,655
91$242,622$0$0$93,381
92$115,571$0$0$13,200
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