Can I retire at age 35 with 365,000?

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 $365,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$30,141$29,873$29,611$29,355$29,106$28,322
2 years$14,921$14,644$14,374$14,113$13,860$13,076
3 years$9,849$9,570$9,301$9,042$8,793$8,033
4 years$7,313$7,035$6,769$6,515$6,271$5,542
5 years$5,792$5,515$5,253$5,004$4,767$4,070
6 years$4,778$4,504$4,245$4,002$3,772$3,107
7 years$4,054$3,782$3,528$3,290$3,068$2,436
8 years$3,512$3,242$2,992$2,760$2,545$1,945
9 years$3,090$2,823$2,577$2,351$2,143$1,576
10 years$2,753$2,488$2,247$2,026$1,826$1,290
11 years$2,477$2,215$1,978$1,764$1,571$1,065
12 years$2,247$1,988$1,755$1,547$1,361$885
13 years$2,053$1,797$1,568$1,366$1,187$739
14 years$1,887$1,633$1,409$1,212$1,040$620
15 years$1,743$1,492$1,272$1,081$916$522
16 years$1,617$1,369$1,153$968$810$440
17 years$1,506$1,261$1,050$870$718$373
18 years$1,408$1,165$958$784$638$316
19 years$1,320$1,080$877$708$569$269
20 years$1,241$1,003$805$641$508$228
21 years$1,169$934$740$582$455$195
22 years$1,104$872$682$529$408$166
23 years$1,045$816$630$482$366$142
24 years$991$764$583$440$329$121
25 years$941$717$540$402$296$103
26 years$895$674$501$367$267$88
27 years$853$634$465$336$240$76
28 years$814$598$432$308$217$65
29 years$777$564$402$282$196$55
30 years$743$533$375$259$177$47
31 years$711$504$349$238$160$41
32 years$682$476$326$219$145$35
33 years$654$451$304$201$131$30
34 years$628$428$284$185$119$26
35 years$603$406$266$170$107$22
36 years$580$385$249$157$97$19
37 years$558$366$233$145$88$16
38 years$537$347$218$133$80$14
39 years$518$330$204$123$73$12
40 years$499$314$191$113$66$10
41 years$481$299$179$105$60$9
42 years$465$285$168$96$54$7
43 years$449$272$158$89$49$6
44 years$434$259$148$82$45$5
45 years$419$247$139$76$40$5
46 years$406$235$131$70$37$4
47 years$392$225$123$65$33$3
48 years$380$215$115$60$30$3
49 years$368$205$108$55$28$3
50 years$356$196$102$51$25$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $365,000, adding $6,957 every year, while hoping to spend $21,869 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: 46/47/7 Blend
34$365,000$365,000$365,000$365,000
35$409,406$390,061$384,404$427,139
36$427,897$385,906$374,013$435,913
37$447,541$380,814$362,541$442,583
38$468,433$374,716$349,928$449,310
39$490,676$367,540$336,114$456,104
40$514,383$359,208$321,032$462,981
41$539,679$349,637$304,615$469,957
42$566,698$338,742$286,792$477,055
43$595,591$326,430$267,489$484,299
44$626,521$312,604$246,629$491,718
45$659,666$297,162$224,131$499,346
46$695,222$279,993$199,910$507,224
47$733,406$260,984$173,878$515,397
48$774,454$240,013$145,944$523,919
49$818,625$216,950$116,010$532,851
50$866,205$191,661$83,976$542,263
51$917,506$164,001$49,738$552,237
52$972,873$133,818$13,185$562,862
53$1,032,684$100,953$0$574,245
54$1,097,353$65,235$0$588,431
55$1,167,338$26,486$0$604,804
56$1,243,140$0$0$622,537
57$1,325,311$0$0$649,821
58$1,414,458$0$0$694,318
59$1,511,247$0$0$742,667
60$1,616,413$0$0$795,240
61$1,730,763$0$0$852,446
62$1,855,185$0$0$914,733
63$1,990,657$0$0$982,597
64$2,138,253$0$0$1,056,582
65$2,299,158$0$0$1,137,286
66$2,474,673$0$0$1,225,370
67$2,666,232$0$0$1,321,559
68$2,875,414$0$0$1,426,652
69$3,103,954$0$0$1,541,529
70$3,353,766$0$0$1,667,157
71$3,626,954$0$0$1,804,605
72$3,925,838$0$0$1,955,045
73$4,252,969$0$0$2,119,770
74$4,611,159$0$0$2,300,205
75$5,003,502$0$0$2,497,917
76$5,433,407$0$0$2,714,634
77$5,904,629$0$0$2,952,256
78$6,421,301$0$0$3,212,878
79$6,987,977$0$0$3,498,808
80$7,609,672$0$0$3,812,586
81$8,291,912$0$0$4,157,013
82$9,040,780$0$0$4,535,170
83$9,862,981$0$0$4,950,455
84$10,765,898$0$0$5,406,609
85$11,757,664$0$0$5,907,753
86$12,847,240$0$0$6,458,429
87$14,044,497$0$0$7,063,639
88$15,360,310$0$0$7,728,893
89$16,806,658$0$0$8,460,263
90$18,396,742$0$0$9,264,438
91$20,145,102$0$0$10,148,788
92$22,067,759$0$0$11,121,431
93$24,182,365$0$0$12,191,315
94$26,508,367$0$0$13,368,295
95$29,067,193$0$0$14,663,231
96$31,882,450$0$0$16,088,088
97$34,980,151$0$0$17,656,052
98$38,388,957$0$0$19,381,647
99$42,140,447$0$0$21,280,880
100$46,269,418$0$0$23,371,388