Can I retire at age 35 with 337,000?

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 $337,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$27,829$27,581$27,339$27,103$26,873$25,971
2 years$13,777$13,520$13,272$13,030$12,797$11,897
3 years$9,093$8,836$8,588$8,349$8,119$7,249
4 years$6,752$6,495$6,250$6,015$5,790$4,958
5 years$5,348$5,092$4,850$4,620$4,402$3,609
6 years$4,412$4,158$3,919$3,695$3,483$2,730
7 years$3,743$3,492$3,257$3,038$2,833$2,119
8 years$3,242$2,993$2,762$2,548$2,350$1,676
9 years$2,853$2,606$2,379$2,170$1,979$1,343
10 years$2,542$2,297$2,074$1,871$1,686$1,088
11 years$2,287$2,045$1,826$1,628$1,450$888
12 years$2,075$1,836$1,621$1,428$1,257$730
13 years$1,896$1,659$1,448$1,261$1,096$603
14 years$1,742$1,508$1,301$1,119$961$500
15 years$1,609$1,377$1,175$998$846$415
16 years$1,493$1,264$1,065$894$748$347
17 years$1,391$1,164$969$803$663$290
18 years$1,300$1,075$885$724$589$243
19 years$1,218$997$810$654$525$203
20 years$1,145$926$743$592$469$171
21 years$1,079$863$684$538$420$144
22 years$1,019$805$630$489$376$121
23 years$965$753$582$445$338$102
24 years$915$706$538$406$304$86
25 years$869$662$498$371$273$72
26 years$827$622$462$339$246$61
27 years$787$586$429$310$222$51
28 years$751$552$399$284$200$43
29 years$717$521$371$261$181$37
30 years$686$492$346$239$163$31
31 years$657$465$322$220$148$26
32 years$629$440$301$202$134$22
33 years$604$417$281$186$121$19
34 years$579$395$262$171$109$16
35 years$557$374$245$157$99$13
36 years$535$355$230$145$90$11
37 years$515$338$215$133$81$9
38 years$496$321$201$123$74$8
39 years$478$305$188$113$67$7
40 years$461$290$177$105$61$6
41 years$444$276$166$97$55$5
42 years$429$263$155$89$50$4
43 years$414$251$146$82$45$3
44 years$400$239$137$76$41$3
45 years$387$228$129$70$37$2
46 years$374$217$121$65$34$2
47 years$362$207$113$60$31$2
48 years$351$198$107$55$28$1
49 years$340$189$100$51$25$1
50 years$329$181$94$47$23$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $337,000, adding $6,373 every year, while hoping to spend $26,027 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: 62/13/25 Blend
34$337,000$337,000$337,000$337,000
35$377,948$360,087$354,863$398,509
36$388,806$350,038$339,059$403,146
37$399,899$338,626$321,852$404,792
38$411,224$325,754$303,170$406,017
39$422,776$311,323$282,933$406,786
40$434,550$295,227$261,061$407,058
41$446,536$277,356$237,469$406,792
42$458,726$257,590$212,068$405,942
43$471,109$235,805$184,765$404,459
44$483,672$211,868$155,464$402,292
45$496,397$185,641$124,063$399,384
46$509,268$156,976$90,457$395,676
47$522,262$125,716$54,536$391,102
48$535,354$91,697$16,185$385,595
49$548,516$54,747$0$379,079
50$561,715$14,680$0$378,076
51$574,914$0$0$380,936
52$588,070$0$0$387,385
53$601,135$0$0$395,858
54$614,055$0$0$404,217
55$626,768$0$0$412,420
56$639,205$0$0$420,420
57$651,289$0$0$428,162
58$662,933$0$0$435,587
59$674,038$0$0$442,628
60$684,496$0$0$449,210
61$694,184$0$0$455,247
62$702,966$0$0$460,648
63$710,691$0$0$465,307
64$717,188$0$0$469,107
65$722,268$0$0$471,920
66$725,723$0$0$473,601
67$727,319$0$0$473,991
68$726,795$0$0$472,910
69$723,865$0$0$470,163
70$718,209$0$0$465,529
71$709,471$0$0$458,767
72$697,260$0$0$449,605
73$681,139$0$0$437,746
74$660,625$0$0$422,860
75$635,184$0$0$404,580
76$604,224$0$0$382,501
77$567,091$0$0$356,174
78$523,058$0$0$325,104
79$471,326$0$0$288,742
80$411,006$0$0$246,481
81$341,119$0$0$197,650
82$260,582$0$0$141,508
83$168,197$0$0$77,236
84$62,642$0$0$3,929
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
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