Can I retire at age 35 with 372,000?

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 $372,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$30,719$30,446$30,179$29,918$29,664$29,281
2 years$15,208$14,924$14,650$14,384$14,126$13,740
3 years$10,038$9,753$9,479$9,216$8,962$8,586
4 years$7,453$7,170$6,899$6,639$6,392$6,029
5 years$5,903$5,621$5,354$5,100$4,859$4,510
6 years$4,870$4,590$4,327$4,078$3,845$3,509
7 years$4,132$3,855$3,595$3,353$3,127$2,806
8 years$3,579$3,304$3,049$2,813$2,594$2,287
9 years$3,149$2,877$2,626$2,396$2,184$1,891
10 years$2,805$2,536$2,290$2,065$1,861$1,582
11 years$2,524$2,258$2,016$1,797$1,601$1,335
12 years$2,290$2,026$1,789$1,577$1,387$1,135
13 years$2,093$1,831$1,598$1,392$1,210$970
14 years$1,923$1,664$1,436$1,236$1,060$833
15 years$1,776$1,520$1,297$1,102$934$719
16 years$1,648$1,395$1,176$987$825$622
17 years$1,535$1,285$1,070$886$732$540
18 years$1,435$1,187$976$799$651$470
19 years$1,345$1,100$894$722$580$409
20 years$1,264$1,022$820$654$518$358
21 years$1,191$952$755$593$463$313
22 years$1,125$889$695$539$415$274
23 years$1,065$831$642$491$373$240
24 years$1,010$779$594$448$335$211
25 years$959$731$550$409$302$185
26 years$912$687$510$374$272$163
27 years$869$647$474$343$245$143
28 years$829$609$440$314$221$126
29 years$792$575$410$288$200$111
30 years$757$543$382$264$180$98
31 years$725$513$356$243$163$86
32 years$695$486$332$223$147$76
33 years$666$460$310$205$133$67
34 years$640$436$290$189$121$59
35 years$614$413$271$174$109$52
36 years$591$392$253$160$99$46
37 years$569$373$237$147$90$41
38 years$547$354$222$136$81$36
39 years$527$337$208$125$74$32
40 years$509$320$195$115$67$28
41 years$491$305$183$107$61$25
42 years$474$290$172$98$55$22
43 years$457$277$161$91$50$19
44 years$442$264$151$84$45$17
45 years$427$252$142$77$41$15
46 years$413$240$133$72$37$13
47 years$400$229$125$66$34$12
48 years$387$219$118$61$31$10
49 years$375$209$111$56$28$9
50 years$363$199$104$52$25$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $372,000, adding $2,551 every year, while hoping to spend $25,863 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: 51/44/5 Blend
34$372,000$372,000$372,000$372,000
35$412,575$392,859$387,093$433,009
36$427,140$384,591$372,543$438,895
37$442,323$375,052$356,638$442,269
38$458,161$364,150$339,307$445,310
39$474,693$351,792$320,472$447,993
40$491,959$337,877$300,055$450,291
41$510,005$322,300$277,973$452,176
42$528,879$304,946$254,139$453,619
43$548,634$285,698$228,463$454,589
44$569,328$264,430$200,849$455,057
45$591,021$241,009$171,199$454,990
46$613,781$215,295$139,411$454,357
47$637,681$187,138$105,375$453,123
48$662,799$156,382$68,979$451,255
49$689,222$122,862$30,107$448,720
50$717,042$86,402$0$445,481
51$746,362$46,818$0$442,113
52$777,292$3,913$0$439,726
53$809,954$0$0$436,685
54$844,478$0$0$453,551
55$881,009$0$0$473,418
56$919,703$0$0$494,481
57$960,733$0$0$516,834
58$1,004,285$0$0$540,583
59$1,050,564$0$0$565,842
60$1,099,795$0$0$592,736
61$1,152,223$0$0$621,402
62$1,208,116$0$0$651,991
63$1,267,769$0$0$684,667
64$1,331,504$0$0$719,610
65$1,399,674$0$0$757,018
66$1,472,666$0$0$797,108
67$1,550,906$0$0$840,118
68$1,634,859$0$0$886,308
69$1,725,037$0$0$935,966
70$1,822,001$0$0$989,405
71$1,926,367$0$0$1,046,971
72$2,038,812$0$0$1,109,043
73$2,160,079$0$0$1,176,038
74$2,290,985$0$0$1,248,414
75$2,432,425$0$0$1,326,673
76$2,585,388$0$0$1,411,368
77$2,750,955$0$0$1,503,107
78$2,930,319$0$0$1,602,559
79$3,124,788$0$0$1,710,459
80$3,335,805$0$0$1,827,614
81$3,564,952$0$0$1,954,913
82$3,813,973$0$0$2,093,335
83$4,084,783$0$0$2,243,954
84$4,379,493$0$0$2,407,956
85$4,700,422$0$0$2,586,642
86$5,050,123$0$0$2,781,446
87$5,431,408$0$0$2,993,946
88$5,847,367$0$0$3,225,877
89$6,301,406$0$0$3,479,151
90$6,797,272$0$0$3,755,873
91$7,339,089$0$0$4,058,359
92$7,931,400$0$0$4,389,159
93$8,579,203$0$0$4,751,082
94$9,288,004$0$0$5,147,218
95$10,063,866$0$0$5,580,974
96$10,913,462$0$0$6,056,098
97$11,844,145$0$0$6,576,719
98$12,864,009$0$0$7,147,385
99$13,981,969$0$0$7,773,104
100$15,207,845$0$0$8,459,392