Can I retire at age 35 with 352,000?

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 $352,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$29,068$28,809$28,556$28,310$28,069$27,302
2 years$14,390$14,122$13,862$13,610$13,366$12,599
3 years$9,498$9,229$8,970$8,720$8,480$7,737
4 years$7,053$6,784$6,528$6,283$6,048$5,334
5 years$5,586$5,319$5,066$4,826$4,598$3,915
6 years$4,608$4,343$4,094$3,859$3,638$2,988
7 years$3,910$3,647$3,402$3,173$2,959$2,341
8 years$3,387$3,127$2,885$2,662$2,454$1,869
9 years$2,980$2,722$2,485$2,267$2,067$1,512
10 years$2,655$2,400$2,167$1,954$1,761$1,237
11 years$2,389$2,136$1,907$1,701$1,515$1,021
12 years$2,167$1,917$1,693$1,492$1,313$847
13 years$1,980$1,733$1,512$1,317$1,145$707
14 years$1,820$1,575$1,359$1,169$1,003$593
15 years$1,681$1,439$1,227$1,043$883$499
16 years$1,559$1,320$1,112$934$781$421
17 years$1,453$1,216$1,012$839$692$356
18 years$1,358$1,123$924$756$616$302
19 years$1,273$1,041$846$683$549$256
20 years$1,196$967$776$619$490$218
21 years$1,127$901$714$561$439$185
22 years$1,065$841$658$510$393$158
23 years$1,008$787$608$465$353$135
24 years$955$737$562$424$317$115
25 years$908$692$520$387$285$98
26 years$863$650$483$354$257$84
27 years$822$612$448$324$232$72
28 years$785$577$417$297$209$61
29 years$749$544$388$272$189$52
30 years$717$514$361$250$171$45
31 years$686$486$337$230$154$38
32 years$657$459$314$211$140$33
33 years$630$435$293$194$126$28
34 years$605$412$274$178$114$24
35 years$581$391$256$164$104$21
36 years$559$371$240$151$94$18
37 years$538$353$224$139$85$15
38 years$518$335$210$128$77$13
39 years$499$319$197$118$70$11
40 years$481$303$185$109$63$9
41 years$464$289$173$101$58$8
42 years$448$275$162$93$52$7
43 years$433$262$152$86$47$6
44 years$418$250$143$79$43$5
45 years$404$238$134$73$39$4
46 years$391$227$126$68$35$4
47 years$378$217$118$63$32$3
48 years$366$207$111$58$29$3
49 years$355$198$105$53$27$2
50 years$344$189$98$49$24$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $352,000, adding $6,449 every year, while hoping to spend $20,343 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: 69/24/7 Blend
34$352,000$352,000$352,000$352,000
35$394,556$375,900$370,444$420,887
36$413,156$372,674$361,209$435,940
37$432,971$368,609$350,983$449,302
38$454,105$363,641$339,711$463,364
39$476,668$357,704$327,336$478,192
40$500,784$350,728$313,798$493,858
41$526,589$342,638$299,035$510,439
42$554,229$333,356$282,981$528,025
43$583,868$322,797$265,568$546,713
44$615,682$310,874$246,724$566,611
45$649,868$297,493$226,376$587,838
46$686,639$282,555$204,444$610,527
47$726,232$265,955$180,848$634,824
48$768,903$247,583$155,503$660,893
49$814,938$227,321$128,319$688,913
50$864,648$205,047$99,204$719,084
51$918,376$180,628$68,061$751,626
52$976,499$153,927$34,789$786,783
53$1,039,430$124,798$0$824,827
54$1,107,625$93,086$0$866,111
55$1,181,585$58,629$0$913,688
56$1,261,859$21,254$0$965,332
57$1,349,053$0$0$1,021,458
58$1,443,834$0$0$1,087,601
59$1,546,933$0$0$1,165,673
60$1,659,157$0$0$1,250,672
61$1,781,392$0$0$1,343,273
62$1,914,616$0$0$1,444,219
63$2,059,900$0$0$1,554,324
64$2,218,429$0$0$1,674,489
65$2,391,502$0$0$1,805,701
66$2,580,554$0$0$1,949,051
67$2,787,159$0$0$2,105,735
68$3,013,055$0$0$2,277,075
69$3,260,154$0$0$2,464,522
70$3,530,558$0$0$2,669,678
71$3,826,587$0$0$2,894,304
72$4,150,793$0$0$3,140,339
73$4,505,984$0$0$3,409,921
74$4,895,258$0$0$3,705,402
75$5,322,021$0$0$4,029,373
76$5,790,029$0$0$4,384,690
77$6,303,417$0$0$4,774,494
78$6,866,738$0$0$5,202,250
79$7,485,010$0$0$5,671,771
80$8,163,758$0$0$6,187,257
81$8,909,070$0$0$6,753,338
82$9,727,651$0$0$7,375,111
83$10,626,888$0$0$8,058,192
84$11,614,917$0$0$8,808,768
85$12,700,705$0$0$9,633,655
86$13,894,126$0$0$10,540,362
87$15,206,062$0$0$11,537,162
88$16,648,499$0$0$12,633,168
89$18,234,645$0$0$13,838,422
90$19,979,050$0$0$15,163,987
91$21,897,744$0$0$16,622,052
92$24,008,392$0$0$18,226,047
93$26,330,454$0$0$19,990,768
94$28,885,372$0$0$21,932,519
95$31,696,771$0$0$24,069,264
96$34,790,684$0$0$26,420,796
97$38,195,793$0$0$29,008,922
98$41,943,701$0$0$31,857,673
99$46,069,232$0$0$34,993,526
100$50,610,756$0$0$38,445,657