Can I retire at age 35 with 385,000?

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 $385,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$31,793$31,510$31,233$30,964$30,700$30,217
2 years$15,739$15,446$15,162$14,886$14,619$14,133
3 years$10,388$10,094$9,811$9,538$9,275$8,802
4 years$7,714$7,420$7,140$6,872$6,615$6,158
5 years$6,109$5,818$5,541$5,278$5,029$4,589
6 years$5,040$4,750$4,478$4,221$3,979$3,558
7 years$4,277$3,989$3,721$3,470$3,236$2,833
8 years$3,704$3,420$3,156$2,911$2,685$2,300
9 years$3,259$2,977$2,718$2,480$2,261$1,895
10 years$2,904$2,624$2,370$2,137$1,926$1,578
11 years$2,613$2,336$2,086$1,860$1,657$1,326
12 years$2,370$2,097$1,851$1,632$1,436$1,122
13 years$2,166$1,895$1,654$1,440$1,252$955
14 years$1,990$1,723$1,486$1,279$1,097$816
15 years$1,838$1,574$1,342$1,140$966$701
16 years$1,706$1,444$1,217$1,021$854$603
17 years$1,589$1,330$1,107$917$757$521
18 years$1,485$1,229$1,011$827$673$451
19 years$1,392$1,139$925$747$600$391
20 years$1,308$1,058$849$677$536$340
21 years$1,233$986$781$614$480$296
22 years$1,165$920$720$558$430$258
23 years$1,102$861$665$508$386$225
24 years$1,045$806$615$464$347$196
25 years$993$757$569$424$312$171
26 years$944$711$528$387$281$150
27 years$900$669$490$354$254$131
28 years$858$631$456$325$229$115
29 years$820$595$424$298$207$101
30 years$784$562$395$273$187$88
31 years$750$531$368$251$169$77
32 years$719$503$344$231$153$68
33 years$689$476$321$212$138$59
34 years$662$451$300$195$125$52
35 years$636$428$280$180$113$46
36 years$611$406$262$165$103$40
37 years$588$386$245$152$93$35
38 years$567$367$230$141$84$31
39 years$546$349$215$130$76$27
40 years$526$332$202$120$69$24
41 years$508$316$189$110$63$21
42 years$490$301$178$102$57$18
43 years$473$286$167$94$52$16
44 years$457$273$156$87$47$14
45 years$442$260$147$80$43$12
46 years$428$248$138$74$39$11
47 years$414$237$130$68$35$10
48 years$401$226$122$63$32$8
49 years$388$216$114$58$29$7
50 years$376$206$108$54$26$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $385,000, adding $4,916 every year, while hoping to spend $22,869 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: 33/43/24 Blend
34$385,000$385,000$385,000$385,000
35$429,341$408,936$402,968$440,227
36$448,801$404,641$392,135$444,525
37$469,480$399,370$380,173$446,748
38$491,477$393,049$367,019$448,684
39$514,903$385,604$352,609$450,321
40$539,877$376,952$336,876$451,651
41$566,530$367,009$319,747$452,665
42$595,008$355,683$301,149$453,355
43$625,466$342,879$281,006$453,718
44$658,079$328,496$259,235$453,750
45$693,036$312,425$235,752$453,450
46$730,546$294,554$210,470$452,822
47$770,836$274,762$183,295$451,872
48$814,158$252,922$154,132$450,609
49$860,787$228,900$122,880$449,049
50$911,024$202,553$89,434$447,210
51$965,203$173,733$53,685$445,119
52$1,023,688$142,279$15,517$442,810
53$1,086,879$108,026$0$440,321
54$1,155,217$70,795$0$444,161
55$1,229,185$30,401$0$452,592
56$1,309,317$0$0$461,740
57$1,396,197$0$0$478,043
58$1,490,469$0$0$511,390
59$1,592,840$0$0$547,654
60$1,704,089$0$0$587,115
61$1,825,072$0$0$630,085
62$1,956,731$0$0$676,905
63$2,100,102$0$0$727,951
64$2,256,326$0$0$783,637
65$2,426,659$0$0$844,417
66$2,612,481$0$0$910,795
67$2,815,314$0$0$983,320
68$3,036,831$0$0$1,062,601
69$3,278,875$0$0$1,149,307
70$3,543,475$0$0$1,244,174
71$3,832,863$0$0$1,348,013
72$4,149,500$0$0$1,461,717
73$4,496,093$0$0$1,586,270
74$4,875,624$0$0$1,722,753
75$5,291,376$0$0$1,872,361
76$5,746,965$0$0$2,036,406
77$6,246,375$0$0$2,216,334
78$6,793,990$0$0$2,413,741
79$7,394,643$0$0$2,630,380
80$8,053,654$0$0$2,868,185
81$8,776,884$0$0$3,129,286
82$9,570,788$0$0$3,416,028
83$10,442,479$0$0$3,730,996
84$11,399,790$0$0$4,077,036
85$12,451,349$0$0$4,457,285
86$13,606,665$0$0$4,875,197
87$14,876,209$0$0$5,334,580
88$16,271,519$0$0$5,839,627
89$17,805,305$0$0$6,394,957
90$19,491,572$0$0$7,005,661
91$21,345,746$0$0$7,677,346
92$23,384,827$0$0$8,416,193
93$25,627,541$0$0$9,229,009
94$28,094,522$0$0$10,123,294
95$30,808,503$0$0$11,107,313
96$33,794,533$0$0$12,190,173
97$37,080,211$0$0$13,381,907
98$40,695,945$0$0$14,693,570
99$44,675,240$0$0$16,137,344
100$49,055,015$0$0$17,726,652