Can I retire at age 35 with 362,000?

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 $362,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$29,894$29,627$29,368$29,114$28,866$28,284
2 years$14,799$14,523$14,256$13,997$13,746$13,161
3 years$9,768$9,491$9,225$8,968$8,721$8,153
4 years$7,253$6,977$6,713$6,461$6,220$5,672
5 years$5,744$5,470$5,210$4,963$4,728$4,203
6 years$4,739$4,467$4,210$3,969$3,741$3,239
7 years$4,021$3,751$3,499$3,263$3,043$2,564
8 years$3,483$3,215$2,967$2,737$2,524$2,068
9 years$3,065$2,800$2,556$2,331$2,126$1,692
10 years$2,730$2,468$2,228$2,010$1,811$1,400
11 years$2,457$2,197$1,962$1,749$1,558$1,168
12 years$2,229$1,972$1,741$1,534$1,350$981
13 years$2,036$1,782$1,555$1,354$1,177$829
14 years$1,871$1,620$1,397$1,202$1,032$704
15 years$1,729$1,480$1,262$1,072$909$599
16 years$1,604$1,358$1,144$960$803$512
17 years$1,494$1,250$1,041$863$712$439
18 years$1,396$1,155$950$777$633$377
19 years$1,309$1,071$870$702$564$324
20 years$1,230$995$798$636$504$279
21 years$1,159$927$734$577$451$241
22 years$1,095$865$677$525$404$208
23 years$1,036$809$625$478$363$180
24 years$983$758$578$436$326$156
25 years$933$711$535$398$294$135
26 years$888$669$496$364$264$117
27 years$846$629$461$333$238$101
28 years$807$593$429$305$215$88
29 years$771$559$399$280$194$76
30 years$737$528$371$257$175$66
31 years$705$499$346$236$159$58
32 years$676$473$323$217$144$50
33 years$648$447$302$199$130$44
34 years$622$424$282$184$118$38
35 years$598$402$264$169$107$33
36 years$575$382$247$156$97$29
37 years$553$363$231$143$87$25
38 years$533$345$216$132$79$22
39 years$513$328$202$122$72$19
40 years$495$312$190$112$65$16
41 years$477$297$178$104$59$14
42 years$461$283$167$96$54$12
43 years$445$269$157$88$49$11
44 years$430$257$147$82$44$9
45 years$416$245$138$75$40$8
46 years$402$234$130$70$36$7
47 years$389$223$122$64$33$6
48 years$377$213$114$59$30$5
49 years$365$203$108$55$27$5
50 years$353$194$101$51$25$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $362,000, adding $4,709 every year, while hoping to spend $24,829 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: 42/42/16 Blend
34$362,000$362,000$362,000$362,000
35$403,781$384,595$378,984$418,666
36$418,549$377,023$365,262$422,047
37$433,991$368,247$350,249$422,902
38$450,150$358,182$333,874$423,298
39$467,071$346,740$316,065$423,204
40$484,805$333,823$296,746$422,590
41$503,406$319,331$275,837$421,422
42$522,933$303,157$253,257$419,666
43$543,449$285,188$228,918$417,290
44$565,023$265,305$202,729$414,256
45$587,732$243,382$174,597$410,528
46$611,657$219,283$144,422$406,071
47$636,887$192,870$112,102$400,844
48$663,521$163,991$77,528$394,811
49$691,663$132,490$40,589$387,933
50$721,431$98,201$1,167$380,170
51$752,951$60,946$0$371,484
52$786,360$20,541$0$368,818
53$821,810$0$0$365,817
54$859,467$0$0$372,996
55$899,510$0$0$390,748
56$942,137$0$0$409,672
57$987,565$0$0$429,866
58$1,036,030$0$0$451,441
59$1,087,793$0$0$474,514
60$1,143,137$0$0$499,217
61$1,202,374$0$0$525,694
62$1,265,847$0$0$554,101
63$1,333,930$0$0$584,611
64$1,407,035$0$0$617,415
65$1,485,613$0$0$652,719
66$1,570,161$0$0$690,752
67$1,661,223$0$0$731,766
68$1,759,397$0$0$776,035
69$1,865,339$0$0$823,864
70$1,979,772$0$0$875,584
71$2,103,488$0$0$931,562
72$2,237,359$0$0$992,199
73$2,382,344$0$0$1,057,938
74$2,539,496$0$0$1,129,266
75$2,709,972$0$0$1,206,717
76$2,895,048$0$0$1,290,879
77$3,096,125$0$0$1,382,400
78$3,314,743$0$0$1,481,991
79$3,552,599$0$0$1,590,436
80$3,811,558$0$0$1,708,596
81$4,093,674$0$0$1,837,421
82$4,401,207$0$0$1,977,955
83$4,736,641$0$0$2,131,346
84$5,102,715$0$0$2,298,859
85$5,502,441$0$0$2,481,887
86$5,939,136$0$0$2,681,964
87$6,416,450$0$0$2,900,776
88$6,938,403$0$0$3,140,183
89$7,509,420$0$0$3,402,231
90$8,134,376$0$0$3,689,172
91$8,818,635$0$0$4,003,488
92$9,568,107$0$0$4,347,913
93$10,389,299$0$0$4,725,455
94$11,289,378$0$0$5,139,429
95$12,276,236$0$0$5,593,486
96$13,358,568$0$0$6,091,646
97$14,545,947$0$0$6,638,339
98$15,848,921$0$0$7,238,442
99$17,279,105$0$0$7,897,331
100$18,849,296$0$0$8,620,924