Can I retire at age 35 with 379,000?

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 $379,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$31,297$31,019$30,747$30,481$30,222$29,527
2 years$15,494$15,205$14,926$14,654$14,391$13,695
3 years$10,227$9,937$9,658$9,389$9,131$8,455
4 years$7,594$7,305$7,028$6,764$6,512$5,862
5 years$6,014$5,727$5,454$5,196$4,950$4,328
6 years$4,961$4,676$4,408$4,155$3,917$3,322
7 years$4,210$3,927$3,663$3,416$3,186$2,619
8 years$3,646$3,366$3,107$2,866$2,643$2,104
9 years$3,208$2,931$2,676$2,441$2,226$1,715
10 years$2,858$2,584$2,333$2,104$1,896$1,412
11 years$2,572$2,300$2,054$1,831$1,631$1,173
12 years$2,334$2,064$1,823$1,606$1,413$981
13 years$2,132$1,866$1,628$1,418$1,232$825
14 years$1,959$1,696$1,463$1,259$1,080$697
15 years$1,810$1,549$1,321$1,123$951$591
16 years$1,679$1,421$1,198$1,005$841$502
17 years$1,564$1,309$1,090$903$745$428
18 years$1,462$1,210$995$814$663$366
19 years$1,370$1,121$911$735$591$313
20 years$1,288$1,042$836$666$528$268
21 years$1,214$970$769$605$472$230
22 years$1,146$906$709$550$423$198
23 years$1,085$847$654$501$380$170
24 years$1,029$794$605$457$342$147
25 years$977$745$560$417$307$126
26 years$930$700$520$381$277$109
27 years$886$659$483$349$250$94
28 years$845$621$449$320$225$81
29 years$807$586$418$293$203$70
30 years$771$553$389$269$184$60
31 years$739$523$363$247$166$52
32 years$708$495$338$227$150$45
33 years$679$468$316$209$136$39
34 years$652$444$295$192$123$34
35 years$626$421$276$177$112$29
36 years$602$400$258$163$101$25
37 years$579$380$242$150$92$22
38 years$558$361$226$138$83$19
39 years$537$343$212$128$75$16
40 years$518$326$199$118$68$14
41 years$500$311$186$109$62$12
42 years$483$296$175$100$56$10
43 years$466$282$164$92$51$9
44 years$450$269$154$85$46$8
45 years$435$256$145$79$42$7
46 years$421$244$136$73$38$6
47 years$407$233$128$67$35$5
48 years$394$223$120$62$31$4
49 years$382$213$113$57$29$4
50 years$370$203$106$53$26$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $379,000, adding $2,196 every year, while hoping to spend $20,686 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: 73/18/9 Blend
34$379,000$379,000$379,000$379,000
35$419,923$399,836$393,962$449,757
36$440,746$397,418$385,150$467,327
37$462,999$394,189$375,349$483,767
38$486,806$390,086$364,505$501,197
39$512,305$385,044$352,560$519,711
40$539,643$378,995$339,454$539,407
41$568,985$371,864$325,124$560,400
42$600,510$363,574$309,505$582,813
43$634,416$354,043$292,527$606,782
44$670,918$343,183$274,119$632,458
45$710,256$330,902$254,205$660,009
46$752,689$317,104$232,708$689,619
47$798,505$301,684$209,546$721,492
48$848,019$284,533$184,632$755,852
49$901,578$265,535$157,878$792,949
50$959,561$244,570$129,190$833,057
51$1,022,390$221,506$98,470$876,480
52$1,090,522$196,209$65,618$923,553
53$1,164,465$168,533$30,526$974,646
54$1,244,776$138,327$0$1,030,168
55$1,332,067$105,429$0$1,091,235
56$1,427,012$69,669$0$1,160,854
57$1,530,352$30,867$0$1,236,652
58$1,642,903$0$0$1,319,249
59$1,765,562$0$0$1,411,541
60$1,899,318$0$0$1,518,866
61$2,045,258$0$0$1,635,983
62$2,204,578$0$0$1,763,855
63$2,378,595$0$0$1,903,542
64$2,568,761$0$0$2,056,209
65$2,776,672$0$0$2,223,142
66$3,004,085$0$0$2,405,753
67$3,252,936$0$0$2,605,601
68$3,525,357$0$0$2,824,398
69$3,823,694$0$0$3,064,032
70$4,150,532$0$0$3,326,583
71$4,508,718$0$0$3,614,340
72$4,901,386$0$0$3,929,825
73$5,331,989$0$0$4,275,813
74$5,804,328$0$0$4,655,364
75$6,322,594$0$0$5,071,848
76$6,891,399$0$0$5,528,974
77$7,515,824$0$0$6,030,831
78$8,201,468$0$0$6,581,921
79$8,954,498$0$0$7,187,204
80$9,781,706$0$0$7,852,145
81$10,690,575$0$0$8,582,763
82$11,689,349$0$0$9,385,690
83$12,787,111$0$0$10,268,231
84$13,993,866$0$0$11,238,435
85$15,320,639$0$0$12,305,169
86$16,779,573$0$0$13,478,204
87$18,384,049$0$0$14,768,302
88$20,148,810$0$0$16,187,322
89$22,090,099$0$0$17,748,331
90$24,225,812$0$0$19,465,726
91$26,575,667$0$0$21,355,366
92$29,161,391$0$0$23,434,731
93$32,006,920$0$0$25,723,076
94$35,138,633$0$0$28,241,619
95$38,585,591$0$0$31,013,739
96$42,379,817$0$0$34,065,198
97$46,556,597$0$0$37,424,378
98$51,154,810$0$0$41,122,558
99$56,217,299$0$0$45,194,201
100$61,791,270$0$0$49,677,280