Can I retire at age 35 with 373,000?

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 $373,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$30,802$30,528$30,260$29,999$29,744$29,470
2 years$15,249$14,965$14,689$14,422$14,164$13,888
3 years$10,065$9,779$9,505$9,241$8,986$8,717
4 years$7,473$7,189$6,917$6,657$6,409$6,148
5 years$5,919$5,636$5,368$5,113$4,872$4,620
6 years$4,883$4,602$4,338$4,089$3,855$3,613
7 years$4,143$3,865$3,605$3,362$3,135$2,903
8 years$3,589$3,313$3,057$2,820$2,601$2,379
9 years$3,158$2,885$2,633$2,402$2,190$1,978
10 years$2,813$2,543$2,296$2,071$1,866$1,663
11 years$2,531$2,264$2,021$1,802$1,605$1,411
12 years$2,297$2,032$1,794$1,581$1,391$1,206
13 years$2,098$1,836$1,603$1,396$1,213$1,037
14 years$1,928$1,669$1,440$1,239$1,063$896
15 years$1,781$1,525$1,300$1,105$936$778
16 years$1,653$1,399$1,179$989$827$677
17 years$1,539$1,288$1,073$889$734$592
18 years$1,439$1,190$979$801$652$518
19 years$1,349$1,103$896$724$581$455
20 years$1,268$1,025$823$656$519$400
21 years$1,195$955$757$595$465$352
22 years$1,128$891$697$541$417$310
23 years$1,068$834$644$493$374$274
24 years$1,012$781$595$449$336$242
25 years$962$733$552$410$302$214
26 years$915$689$512$375$272$190
27 years$871$648$475$343$246$168
28 years$831$611$442$315$222$149
29 years$794$576$411$289$200$132
30 years$759$544$383$265$181$117
31 years$727$515$357$243$163$104
32 years$696$487$333$224$148$93
33 years$668$461$311$206$134$82
34 years$641$437$290$189$121$73
35 years$616$414$272$174$110$65
36 years$592$393$254$160$99$58
37 years$570$374$238$148$90$52
38 years$549$355$223$136$82$46
39 years$529$338$209$126$74$41
40 years$510$321$196$116$67$36
41 years$492$306$183$107$61$32
42 years$475$291$172$99$55$29
43 years$459$277$161$91$50$26
44 years$443$265$151$84$46$23
45 years$428$252$142$78$41$20
46 years$414$241$134$72$38$18
47 years$401$230$126$66$34$16
48 years$388$219$118$61$31$14
49 years$376$209$111$57$28$13
50 years$364$200$104$52$26$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $373,000, adding $3,064 every year, while hoping to spend $21,990 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: 70/6/24 Blend
34$373,000$373,000$373,000$373,000
35$414,207$394,438$388,656$440,487
36$433,058$390,368$378,279$454,387
37$453,096$385,362$366,817$466,746
38$474,418$379,350$354,211$479,751
39$497,130$372,259$340,398$493,464
40$521,349$364,013$325,314$507,953
41$547,205$354,527$308,890$523,296
42$574,837$343,717$291,056$539,578
43$604,401$331,489$271,736$556,895
44$636,064$317,746$250,853$575,350
45$670,012$302,385$228,326$595,061
46$706,448$285,297$204,070$616,156
47$745,596$266,367$177,997$638,779
48$787,700$245,472$150,013$663,088
49$833,030$222,484$120,023$689,258
50$881,880$197,267$87,925$717,483
51$934,575$169,677$53,614$747,979
52$991,472$139,561$16,980$780,983
53$1,052,961$106,759$0$816,760
54$1,119,474$71,101$0$861,264
55$1,191,483$32,407$0$914,163
56$1,269,509$0$0$971,493
57$1,354,122$0$0$1,034,311
58$1,445,953$0$0$1,104,826
59$1,545,692$0$0$1,181,431
60$1,654,100$0$0$1,264,714
61$1,772,015$0$0$1,355,319
62$1,900,356$0$0$1,453,955
63$2,040,138$0$0$1,561,406
64$2,192,475$0$0$1,678,529
65$2,358,594$0$0$1,806,271
66$2,539,845$0$0$1,945,674
67$2,737,715$0$0$2,097,884
68$2,953,840$0$0$2,264,162
69$3,190,021$0$0$2,445,898
70$3,448,243$0$0$2,644,621
71$3,730,687$0$0$2,862,015
72$4,039,758$0$0$3,099,934
73$4,378,103$0$0$3,360,419
74$4,748,638$0$0$3,645,719
75$5,154,573$0$0$3,958,309
76$5,599,442$0$0$4,300,916
77$6,087,140$0$0$4,676,544
78$6,621,954$0$0$5,088,499
79$7,208,608$0$0$5,540,424
80$7,852,304$0$0$6,036,332
81$8,558,772$0$0$6,580,642
82$9,334,325$0$0$7,178,223
83$10,185,914$0$0$7,834,437
84$11,121,199$0$0$8,555,192
85$12,148,617$0$0$9,346,996
86$13,277,464$0$0$10,217,018
87$14,517,977$0$0$11,173,156
88$15,881,439$0$0$12,224,111
89$17,380,277$0$0$13,379,469
90$19,028,183$0$0$14,649,792
91$20,840,241$0$0$16,046,714
92$22,833,071$0$0$17,583,056
93$25,024,985$0$0$19,272,941
94$27,436,156$0$0$21,131,932
95$30,088,813$0$0$23,177,174
96$33,007,448$0$0$25,427,559
97$36,219,045$0$0$27,903,901
98$39,753,338$0$0$30,629,137
99$43,643,087$0$0$33,628,537
100$47,924,389$0$0$36,929,945