Can I retire at age 35 with 360,000?

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 $360,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$29,728$29,464$29,205$28,953$28,707$28,059
2 years$14,717$14,443$14,177$13,920$13,670$13,020
3 years$9,714$9,439$9,174$8,919$8,673$8,042
4 years$7,213$6,938$6,676$6,425$6,186$5,578
5 years$5,713$5,440$5,181$4,935$4,702$4,121
6 years$4,713$4,442$4,187$3,947$3,721$3,165
7 years$3,999$3,730$3,479$3,245$3,026$2,497
8 years$3,464$3,198$2,951$2,722$2,510$2,007
9 years$3,048$2,784$2,542$2,319$2,114$1,636
10 years$2,715$2,454$2,216$1,999$1,801$1,349
11 years$2,443$2,185$1,951$1,739$1,549$1,121
12 years$2,217$1,961$1,731$1,526$1,342$938
13 years$2,025$1,772$1,547$1,347$1,171$789
14 years$1,861$1,611$1,390$1,196$1,026$667
15 years$1,719$1,471$1,255$1,066$904$566
16 years$1,595$1,350$1,138$955$799$482
17 years$1,486$1,243$1,035$858$708$411
18 years$1,388$1,149$945$773$630$351
19 years$1,302$1,065$865$699$561$301
20 years$1,224$989$794$633$501$258
21 years$1,153$922$730$574$449$222
22 years$1,089$860$673$522$402$191
23 years$1,031$805$621$475$361$164
24 years$977$754$575$434$324$141
25 years$928$707$532$396$292$122
26 years$883$665$494$362$263$105
27 years$841$626$458$331$237$91
28 years$802$590$426$304$214$78
29 years$766$556$397$278$193$68
30 years$733$525$369$256$175$58
31 years$701$497$344$235$158$51
32 years$672$470$321$216$143$44
33 years$645$445$300$198$129$38
34 years$619$422$280$183$117$33
35 years$595$400$262$168$106$28
36 years$572$380$245$155$96$24
37 years$550$361$229$143$87$21
38 years$530$343$215$131$79$18
39 years$510$326$201$121$72$16
40 years$492$310$189$112$65$14
41 years$475$295$177$103$59$12
42 years$458$281$166$95$53$10
43 years$443$268$156$88$48$9
44 years$428$255$146$81$44$8
45 years$414$243$137$75$40$7
46 years$400$232$129$69$36$6
47 years$387$222$121$64$33$5
48 years$375$212$114$59$30$4
49 years$363$202$107$55$27$4
50 years$351$193$101$50$25$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $360,000, adding $2,272 every year, while hoping to spend $22,682 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: 57/15/28 Blend
34$360,000$360,000$360,000$360,000
35$399,064$379,984$374,404$418,628
36$415,635$374,469$362,813$426,797
37$433,136$367,925$350,073$433,131
38$451,638$360,275$336,123$439,571
39$471,218$351,442$320,896$446,134
40$491,961$341,342$304,325$452,842
41$513,960$329,886$286,339$459,717
42$537,314$316,981$266,862$466,786
43$562,135$302,528$245,816$474,082
44$588,543$286,422$223,122$481,639
45$616,671$268,553$198,692$489,499
46$646,663$248,803$172,440$497,708
47$678,677$227,049$144,271$506,321
48$712,887$203,160$114,089$515,397
49$749,484$176,997$81,794$525,005
50$788,676$148,414$47,278$535,223
51$830,692$117,258$10,433$546,138
52$875,783$83,364$0$557,849
53$924,225$46,561$0$579,098
54$976,320$6,666$0$605,267
55$1,032,400$0$0$633,414
56$1,092,830$0$0$669,763
57$1,158,010$0$0$710,179
58$1,228,380$0$0$753,840
59$1,304,424$0$0$801,047
60$1,386,673$0$0$852,134
61$1,475,712$0$0$907,467
62$1,572,181$0$0$967,450
63$1,676,788$0$0$1,032,524
64$1,790,308$0$0$1,103,178
65$1,913,596$0$0$1,179,946
66$2,047,591$0$0$1,263,419
67$2,193,325$0$0$1,354,243
68$2,351,936$0$0$1,453,134
69$2,524,675$0$0$1,560,875
70$2,712,917$0$0$1,678,331
71$2,918,178$0$0$1,806,452
72$3,142,124$0$0$1,946,285
73$3,386,591$0$0$2,098,981
74$3,653,600$0$0$2,265,809
75$3,945,372$0$0$2,448,164
76$4,264,357$0$0$2,647,584
77$4,613,250$0$0$2,865,761
78$4,995,019$0$0$3,104,557
79$5,412,932$0$0$3,366,024
80$5,870,587$0$0$3,652,423
81$6,371,947$0$0$3,966,241
82$6,921,377$0$0$4,310,219
83$7,523,683$0$0$4,687,374
84$8,184,158$0$0$5,101,030
85$8,908,632$0$0$5,554,849
86$9,703,529$0$0$6,052,863
87$10,575,921$0$0$6,599,514
88$11,533,599$0$0$7,199,696
89$12,585,147$0$0$7,858,797
90$13,740,020$0$0$8,582,756
91$15,008,632$0$0$9,378,113
92$16,402,456$0$0$10,252,073
93$17,934,134$0$0$11,212,576
94$19,617,590$0$0$12,268,366
95$21,468,164$0$0$13,429,078
96$23,502,759$0$0$14,705,326
97$25,739,995$0$0$16,108,806
98$28,200,388$0$0$17,652,402
99$30,906,540$0$0$19,350,311
100$33,883,357$0$0$21,218,174