Can I retire at age 35 with 382,000?

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 $382,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$31,545$31,264$30,990$30,722$30,461$29,737
2 years$15,616$15,326$15,044$14,770$14,505$13,780
3 years$10,308$10,015$9,734$9,464$9,203$8,499
4 years$7,654$7,362$7,084$6,818$6,564$5,886
5 years$6,062$5,772$5,498$5,237$4,989$4,341
6 years$5,001$4,713$4,443$4,188$3,948$3,329
7 years$4,243$3,958$3,692$3,443$3,211$2,621
8 years$3,675$3,393$3,131$2,888$2,664$2,104
9 years$3,234$2,954$2,697$2,460$2,243$1,712
10 years$2,881$2,604$2,351$2,121$1,911$1,408
11 years$2,592$2,318$2,070$1,846$1,644$1,168
12 years$2,352$2,081$1,837$1,619$1,424$976
13 years$2,149$1,880$1,641$1,429$1,242$820
14 years$1,975$1,709$1,475$1,269$1,089$691
15 years$1,824$1,561$1,331$1,131$959$585
16 years$1,692$1,433$1,207$1,013$847$497
17 years$1,576$1,319$1,098$910$751$423
18 years$1,473$1,219$1,003$820$668$361
19 years$1,381$1,130$918$741$595$308
20 years$1,298$1,050$842$671$532$264
21 years$1,223$978$775$609$476$226
22 years$1,156$913$714$554$427$194
23 years$1,094$854$659$505$383$167
24 years$1,037$800$610$460$344$143
25 years$985$751$565$420$310$123
26 years$937$706$524$384$279$106
27 years$893$664$486$352$252$91
28 years$851$626$452$322$227$79
29 years$813$590$421$296$205$68
30 years$778$557$392$271$185$58
31 years$744$527$365$249$167$50
32 years$713$499$341$229$151$43
33 years$684$472$318$210$137$37
34 years$657$448$297$194$124$32
35 years$631$424$278$178$112$28
36 years$607$403$260$164$102$24
37 years$584$383$244$151$92$21
38 years$562$364$228$139$84$18
39 years$542$346$214$129$76$15
40 years$522$329$200$119$69$13
41 years$504$313$188$109$62$12
42 years$486$298$176$101$57$10
43 years$470$284$165$93$51$9
44 years$454$271$155$86$47$7
45 years$439$258$146$79$42$6
46 years$424$246$137$73$38$6
47 years$411$235$129$68$35$5
48 years$398$224$121$63$32$4
49 years$385$214$114$58$29$4
50 years$373$205$107$54$26$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $382,000, adding $5,993 every year, while hoping to spend $23,845 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: 36/36/28 Blend
34$382,000$382,000$382,000$382,000
35$427,146$406,900$400,979$438,760
36$445,344$401,467$389,041$442,484
37$464,599$394,969$375,903$443,919
38$484,993$387,328$361,502$445,009
39$506,618$378,462$345,767$445,741
40$529,571$368,285$328,629$446,100
41$553,961$356,704$310,011$446,073
42$579,905$343,623$289,837$445,646
43$607,533$328,938$268,024$444,810
44$636,986$312,540$244,487$443,555
45$668,418$294,315$219,138$441,872
46$702,001$274,141$191,883$439,756
47$737,919$251,887$162,625$437,205
48$776,377$227,420$131,263$434,218
49$817,598$200,594$97,690$430,799
50$861,827$171,257$61,797$426,957
51$909,334$139,250$23,468$422,703
52$960,414$104,401$0$418,057
53$1,015,392$66,532$0$418,252
54$1,074,623$25,453$0$425,932
55$1,138,499$0$0$434,158
56$1,207,450$0$0$450,559
57$1,281,948$0$0$479,218
58$1,362,512$0$0$510,254
59$1,449,713$0$0$543,895
60$1,544,176$0$0$580,386
61$1,646,593$0$0$620,002
62$1,757,721$0$0$663,042
63$1,878,394$0$0$709,836
64$2,009,530$0$0$760,746
65$2,152,136$0$0$816,172
66$2,307,324$0$0$876,553
67$2,476,315$0$0$942,372
68$2,660,453$0$0$1,014,162
69$2,861,216$0$0$1,092,509
70$3,080,234$0$0$1,178,056
71$3,319,297$0$0$1,271,513
72$3,580,379$0$0$1,373,661
73$3,865,649$0$0$1,485,362
74$4,177,500$0$0$1,607,560
75$4,518,563$0$0$1,741,300
76$4,891,735$0$0$1,887,729
77$5,300,207$0$0$2,048,111
78$5,747,494$0$0$2,223,839
79$6,237,463$0$0$2,416,446
80$6,774,377$0$0$2,627,621
81$7,362,928$0$0$2,859,223
82$8,008,284$0$0$3,113,302
83$8,716,138$0$0$3,392,114
84$9,492,760$0$0$3,698,145
85$10,345,057$0$0$4,034,131
86$11,280,634$0$0$4,403,090
87$12,307,873$0$0$4,808,343
88$13,436,003$0$0$5,253,550
89$14,675,193$0$0$5,742,743
90$16,036,645$0$0$6,280,363
91$17,532,700$0$0$6,871,305
92$19,176,952$0$0$7,520,958
93$20,984,380$0$0$8,235,263
94$22,971,484$0$0$9,020,762
95$25,156,443$0$0$9,884,666
96$27,559,286$0$0$10,834,917
97$30,202,082$0$0$11,880,267
98$33,109,143$0$0$13,030,359
99$36,307,257$0$0$14,295,817
100$39,825,940$0$0$15,688,347