Can I retire at age 35 with 383,000?

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 $383,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$31,628$31,346$31,071$30,803$30,541$29,888
2 years$15,657$15,366$15,083$14,809$14,543$13,888
3 years$10,335$10,042$9,760$9,488$9,227$8,591
4 years$7,674$7,382$7,103$6,836$6,581$5,968
5 years$6,078$5,787$5,512$5,251$5,003$4,415
6 years$5,014$4,726$4,454$4,199$3,958$3,397
7 years$4,254$3,969$3,702$3,452$3,219$2,684
8 years$3,685$3,402$3,139$2,896$2,671$2,161
9 years$3,242$2,962$2,704$2,467$2,249$1,765
10 years$2,888$2,611$2,357$2,126$1,916$1,458
11 years$2,599$2,324$2,075$1,851$1,648$1,214
12 years$2,358$2,086$1,842$1,623$1,428$1,018
13 years$2,154$1,885$1,646$1,433$1,245$858
14 years$1,980$1,714$1,479$1,272$1,092$727
15 years$1,829$1,565$1,335$1,134$961$618
16 years$1,697$1,436$1,210$1,016$850$527
17 years$1,580$1,323$1,101$913$753$451
18 years$1,477$1,222$1,005$823$670$386
19 years$1,385$1,133$920$743$597$331
20 years$1,302$1,053$845$673$533$285
21 years$1,227$981$777$611$477$245
22 years$1,159$915$716$555$428$211
23 years$1,096$856$661$506$384$182
24 years$1,040$802$611$461$345$157
25 years$987$753$566$421$311$136
26 years$939$707$525$385$280$118
27 years$895$666$488$353$252$102
28 years$854$627$453$323$228$88
29 years$815$592$422$296$205$76
30 years$780$559$393$272$186$66
31 years$746$528$366$250$168$57
32 years$715$500$342$230$152$50
33 years$686$473$319$211$137$43
34 years$658$449$298$194$124$37
35 years$633$426$279$179$113$32
36 years$608$404$261$165$102$28
37 years$585$384$244$152$93$24
38 years$564$365$229$140$84$21
39 years$543$347$214$129$76$18
40 years$524$330$201$119$69$16
41 years$505$314$188$110$63$14
42 years$488$299$177$101$57$12
43 years$471$285$166$93$52$10
44 years$455$272$156$86$47$9
45 years$440$259$146$80$42$8
46 years$426$247$137$74$39$7
47 years$412$236$129$68$35$6
48 years$399$225$121$63$32$5
49 years$386$215$114$58$29$4
50 years$374$205$107$54$26$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $383,000, adding $6,700 every year, while hoping to spend $25,966 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: 48/28/24 Blend
34$383,000$383,000$383,000$383,000
35$428,977$408,678$402,742$446,356
36$445,105$401,076$388,606$451,590
37$462,008$392,230$373,126$454,155
38$479,737$382,054$356,230$456,417
39$498,349$370,453$337,842$458,359
40$517,904$357,329$317,884$459,965
41$538,468$342,576$296,271$461,218
42$560,114$326,084$272,918$462,103
43$582,919$307,736$247,734$462,604
44$606,969$287,407$220,625$462,707
45$632,357$264,967$191,493$462,398
46$659,184$240,277$160,235$461,665
47$687,560$213,191$126,743$460,496
48$717,607$183,553$90,904$458,881
49$749,456$151,200$52,603$456,814
50$783,251$115,959$11,715$454,290
51$819,150$77,648$0$451,307
52$857,324$36,074$0$456,040
53$897,963$0$0$464,053
54$941,273$0$0$475,153
55$987,480$0$0$498,878
56$1,036,830$0$0$524,243
57$1,089,597$0$0$551,392
58$1,146,076$0$0$580,481
59$1,206,594$0$0$611,682
60$1,271,509$0$0$645,183
61$1,341,214$0$0$681,191
62$1,416,139$0$0$719,933
63$1,496,757$0$0$761,659
64$1,583,587$0$0$806,642
65$1,677,200$0$0$855,182
66$1,778,223$0$0$907,611
67$1,887,343$0$0$964,292
68$2,005,317$0$0$1,025,624
69$2,132,977$0$0$1,092,045
70$2,271,236$0$0$1,164,037
71$2,421,099$0$0$1,242,133
72$2,583,672$0$0$1,326,913
73$2,760,170$0$0$1,419,021
74$2,951,928$0$0$1,519,162
75$3,160,418$0$0$1,628,113
76$3,387,256$0$0$1,746,727
77$3,634,223$0$0$1,875,946
78$3,903,277$0$0$2,016,803
79$4,196,573$0$0$2,170,436
80$4,516,483$0$0$2,338,100
81$4,865,617$0$0$2,521,173
82$5,246,849$0$0$2,721,175
83$5,663,342$0$0$2,939,776
84$6,118,578$0$0$3,178,817
85$6,616,393$0$0$3,440,324
86$7,161,007$0$0$3,726,529
87$7,757,068$0$0$4,039,889
88$8,409,696$0$0$4,383,109
89$9,124,525$0$0$4,759,169
90$9,907,764$0$0$5,171,350
91$10,766,248$0$0$5,623,266
92$11,707,506$0$0$6,118,897
93$12,739,831$0$0$6,662,627
94$13,872,354$0$0$7,259,285
95$15,115,136$0$0$7,914,190
96$16,479,257$0$0$8,633,201
97$17,976,924$0$0$9,422,771
98$19,621,582$0$0$10,290,011
99$21,428,041$0$0$11,242,751
100$23,412,619$0$0$12,289,621