Can I retire at age 35 with 376,000?

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 $376,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$31,050$30,773$30,503$30,240$29,983$28,839
2 years$15,371$15,085$14,807$14,538$14,278$13,138
3 years$10,146$9,858$9,581$9,315$9,058$7,960
4 years$7,533$7,247$6,973$6,711$6,460$5,411
5 years$5,966$5,682$5,411$5,155$4,911$3,914
6 years$4,922$4,639$4,373$4,122$3,886$2,941
7 years$4,177$3,896$3,634$3,389$3,160$2,268
8 years$3,618$3,340$3,082$2,843$2,622$1,780
9 years$3,183$2,908$2,654$2,422$2,208$1,417
10 years$2,836$2,563$2,314$2,087$1,881$1,139
11 years$2,552$2,282$2,037$1,817$1,618$922
12 years$2,315$2,048$1,808$1,593$1,402$752
13 years$2,115$1,851$1,615$1,407$1,223$616
14 years$1,944$1,682$1,451$1,249$1,072$506
15 years$1,795$1,537$1,311$1,114$944$417
16 years$1,666$1,410$1,188$997$834$345
17 years$1,552$1,299$1,081$896$739$286
18 years$1,450$1,200$987$807$658$237
19 years$1,359$1,112$904$730$586$197
20 years$1,278$1,033$829$661$523$164
21 years$1,204$963$763$600$468$137
22 years$1,137$899$703$545$420$114
23 years$1,076$840$649$497$377$95
24 years$1,021$787$600$453$339$79
25 years$969$739$556$414$305$66
26 years$922$694$516$378$275$55
27 years$878$654$479$346$248$46
28 years$838$616$445$317$223$39
29 years$800$581$414$291$202$32
30 years$765$549$386$267$182$27
31 years$733$519$360$245$165$23
32 years$702$491$336$225$149$19
33 years$673$465$313$207$135$16
34 years$646$441$293$191$122$13
35 years$621$418$274$175$111$11
36 years$597$397$256$162$100$9
37 years$575$377$240$149$91$8
38 years$553$358$224$137$82$6
39 years$533$340$210$127$75$5
40 years$514$324$197$117$68$5
41 years$496$308$185$108$61$4
42 years$479$294$173$99$56$3
43 years$462$280$163$92$51$3
44 years$447$267$153$85$46$2
45 years$432$254$143$78$42$2
46 years$418$243$135$72$38$2
47 years$404$231$127$67$34$1
48 years$391$221$119$62$31$1
49 years$379$211$112$57$28$1
50 years$367$202$105$53$26$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $376,000, adding $2,820 every year, while hoping to spend $20,099 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: 84/9/7 Blend
34$376,000$376,000$376,000$376,000
35$417,261$397,333$391,505$451,817
36$438,436$395,417$383,235$472,885
37$461,098$392,734$374,015$493,004
38$485,376$389,224$363,790$514,471
39$511,414$384,825$352,507$537,409
40$539,369$379,472$340,106$561,952
41$569,412$373,094$326,528$588,248
42$601,733$365,617$311,707$616,462
43$636,540$356,961$295,579$646,772
44$674,059$347,045$278,074$679,378
45$714,543$335,780$259,118$714,498
46$758,265$323,072$238,638$752,371
47$805,528$308,823$216,552$793,264
48$856,665$292,928$192,780$837,467
49$912,040$275,276$167,233$885,303
50$972,055$255,752$139,823$937,124
51$1,037,152$234,231$110,454$993,323
52$1,107,816$210,583$79,029$1,054,328
53$1,184,581$184,670$45,444$1,120,615
54$1,268,036$156,346$9,594$1,192,705
55$1,358,825$125,456$0$1,271,173
56$1,457,660$91,839$0$1,358,797
57$1,565,325$55,322$0$1,455,037
58$1,682,678$15,723$0$1,559,956
59$1,810,669$0$0$1,674,414
60$1,950,341$0$0$1,802,046
61$2,102,841$0$0$1,943,107
62$2,269,433$0$0$2,097,209
63$2,451,509$0$0$2,265,641
64$2,650,600$0$0$2,449,820
65$2,868,394$0$0$2,651,308
66$3,106,746$0$0$2,871,823
67$3,367,702$0$0$3,113,258
68$3,653,514$0$0$3,377,697
69$3,966,662$0$0$3,667,437
70$4,309,876$0$0$3,985,004
71$4,686,164$0$0$4,333,182
72$5,098,839$0$0$4,715,039
73$5,551,549$0$0$5,133,951
74$6,048,313$0$0$5,593,638
75$6,593,559$0$0$6,098,198
76$7,192,161$0$0$6,652,145
77$7,849,492$0$0$7,260,450
78$8,571,468$0$0$7,928,590
79$9,364,608$0$0$8,662,599
80$10,236,092$0$0$9,469,124
81$11,193,830$0$0$10,355,487
82$12,246,537$0$0$11,329,755
83$13,403,815$0$0$12,400,816
84$14,676,242$0$0$13,578,461
85$16,075,471$0$0$14,873,478
86$17,614,343$0$0$16,297,752
87$19,307,004$0$0$17,864,378
88$21,169,039$0$0$19,587,783
89$23,217,624$0$0$21,483,866
90$25,471,678$0$0$23,570,139
91$27,952,050$0$0$25,865,903
92$30,681,711$0$0$28,392,420
93$33,685,972$0$0$31,173,120
94$36,992,721$0$0$34,233,819
95$40,632,689$0$0$37,602,961
96$44,639,734$0$0$41,311,891
97$49,051,168$0$0$45,395,145
98$53,908,100$0$0$49,890,778
99$59,255,831$0$0$54,840,723
100$65,144,278$0$0$60,291,188