Can I retire at age 35 with 354,000?

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 $354,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$29,233$28,973$28,719$28,471$28,228$27,613
2 years$14,472$14,202$13,941$13,688$13,442$12,826
3 years$9,552$9,281$9,021$8,770$8,528$7,929
4 years$7,093$6,823$6,565$6,318$6,082$5,506
5 years$5,617$5,349$5,095$4,853$4,624$4,071
6 years$4,634$4,368$4,117$3,881$3,659$3,131
7 years$3,932$3,668$3,421$3,191$2,975$2,472
8 years$3,406$3,144$2,902$2,677$2,468$1,990
9 years$2,997$2,738$2,499$2,280$2,079$1,624
10 years$2,670$2,413$2,179$1,965$1,771$1,340
11 years$2,402$2,148$1,918$1,710$1,523$1,115
12 years$2,180$1,928$1,702$1,500$1,320$935
13 years$1,991$1,743$1,521$1,325$1,151$788
14 years$1,830$1,584$1,367$1,176$1,009$667
15 years$1,690$1,447$1,234$1,049$888$566
16 years$1,568$1,328$1,119$939$785$483
17 years$1,461$1,223$1,018$844$696$412
18 years$1,365$1,130$929$760$619$353
19 years$1,280$1,047$851$687$552$303
20 years$1,203$973$781$622$493$260
21 years$1,134$906$718$565$441$224
22 years$1,071$846$662$513$395$193
23 years$1,013$791$611$468$355$166
24 years$961$741$565$426$319$143
25 years$913$696$523$389$287$124
26 years$868$654$485$356$259$107
27 years$827$615$451$326$233$92
28 years$789$580$419$299$210$80
29 years$754$547$390$274$190$69
30 years$721$517$363$251$172$60
31 years$690$488$339$231$155$52
32 years$661$462$316$212$140$45
33 years$634$438$295$195$127$39
34 years$609$415$276$179$115$34
35 years$585$393$258$165$104$29
36 years$562$373$241$152$94$25
37 years$541$355$226$140$86$22
38 years$521$337$211$129$78$19
39 years$502$320$198$119$70$16
40 years$484$305$186$110$64$14
41 years$467$290$174$101$58$12
42 years$451$276$163$94$53$11
43 years$435$263$153$86$48$9
44 years$421$251$144$80$43$8
45 years$407$239$135$74$39$7
46 years$393$228$127$68$36$6
47 years$381$218$119$63$32$5
48 years$368$208$112$58$29$5
49 years$357$199$105$54$27$4
50 years$346$190$99$50$24$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $354,000, adding $3,226 every year, while hoping to spend $22,676 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: 84/11/5 Blend
34$354,000$354,000$354,000$354,000
35$393,436$374,674$369,187$426,198
36$409,439$368,906$357,427$442,285
37$426,315$362,095$344,514$456,524
38$444,128$354,166$330,384$471,441
39$462,949$345,041$314,972$487,089
40$482,856$334,634$298,210$503,527
41$503,933$322,857$280,026$520,819
42$526,273$309,615$260,345$539,035
43$549,976$294,809$239,090$558,255
44$575,152$278,334$216,178$578,562
45$601,922$260,077$191,524$600,052
46$630,418$239,920$165,040$622,829
47$660,784$217,740$136,633$647,007
48$693,178$193,404$106,205$672,713
49$727,774$166,772$73,654$700,085
50$764,762$137,699$38,876$729,277
51$804,349$106,027$1,760$760,458
52$846,763$71,594$0$793,815
53$892,256$34,224$0$831,571
54$941,101$0$0$872,167
55$993,600$0$0$916,524
56$1,050,084$0$0$968,708
57$1,110,917$0$0$1,024,914
58$1,176,496$0$0$1,085,511
59$1,247,261$0$0$1,150,905
60$1,323,693$0$0$1,221,542
61$1,406,321$0$0$1,297,910
62$1,495,727$0$0$1,380,549
63$1,592,551$0$0$1,470,050
64$1,697,494$0$0$1,567,063
65$1,811,331$0$0$1,672,305
66$1,934,910$0$0$1,786,561
67$2,069,168$0$0$1,910,697
68$2,215,132$0$0$2,045,666
69$2,373,934$0$0$2,192,514
70$2,546,819$0$0$2,352,393
71$2,735,157$0$0$2,526,571
72$2,940,455$0$0$2,716,444
73$3,164,372$0$0$2,923,547
74$3,408,735$0$0$3,149,571
75$3,675,552$0$0$3,396,375
76$3,967,038$0$0$3,666,008
77$4,285,627$0$0$3,960,724
78$4,634,002$0$0$4,283,007
79$5,015,115$0$0$4,635,588
80$5,432,218$0$0$5,021,477
81$5,888,891$0$0$5,443,989
82$6,389,075$0$0$5,906,771
83$6,937,113$0$0$6,413,844
84$7,537,787$0$0$6,969,633
85$8,196,361$0$0$7,579,011
86$8,918,635$0$0$8,247,348
87$9,710,999$0$0$8,980,557
88$10,580,488$0$0$9,785,151
89$11,534,852$0$0$10,668,303
90$12,582,628$0$0$11,637,916
91$13,733,221$0$0$12,702,696
92$14,996,990$0$0$13,872,230
93$16,385,348$0$0$15,157,084
94$17,910,865$0$0$16,568,895
95$19,587,394$0$0$18,120,483
96$21,430,191$0$0$19,825,971
97$23,456,068$0$0$21,700,921
98$25,683,544$0$0$23,762,477
99$28,133,023$0$0$26,029,524
100$30,826,987$0$0$28,522,874