Can I retire at age 35 with 386,000?

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 $386,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$31,876$31,592$31,315$31,044$30,780$30,208
2 years$15,780$15,486$15,201$14,925$14,657$14,083
3 years$10,415$10,120$9,836$9,563$9,299$8,741
4 years$7,734$7,440$7,158$6,889$6,632$6,094
5 years$6,125$5,833$5,555$5,292$5,042$4,525
6 years$5,053$4,763$4,489$4,232$3,989$3,495
7 years$4,288$4,000$3,731$3,479$3,244$2,772
8 years$3,714$3,429$3,164$2,919$2,692$2,241
9 years$3,268$2,985$2,725$2,486$2,267$1,838
10 years$2,911$2,631$2,376$2,143$1,931$1,525
11 years$2,619$2,342$2,092$1,865$1,661$1,275
12 years$2,377$2,102$1,856$1,636$1,439$1,074
13 years$2,171$1,900$1,658$1,444$1,255$910
14 years$1,995$1,727$1,490$1,282$1,100$774
15 years$1,843$1,578$1,345$1,143$969$661
16 years$1,710$1,448$1,220$1,024$856$567
17 years$1,593$1,333$1,110$920$759$487
18 years$1,489$1,232$1,013$829$675$419
19 years$1,396$1,142$928$749$602$362
20 years$1,312$1,061$851$678$537$313
21 years$1,236$988$783$616$481$271
22 years$1,168$922$722$560$431$235
23 years$1,105$863$666$510$387$204
24 years$1,048$808$616$465$348$177
25 years$995$759$571$425$313$154
26 years$947$713$529$388$282$134
27 years$902$671$492$355$254$116
28 years$860$632$457$326$229$101
29 years$822$596$425$299$207$88
30 years$786$563$396$274$187$77
31 years$752$532$369$252$169$67
32 years$721$504$345$231$153$58
33 years$691$477$322$213$138$51
34 years$664$452$301$196$125$44
35 years$638$429$281$180$114$39
36 years$613$407$263$166$103$34
37 years$590$387$246$153$93$29
38 years$568$367$230$141$85$26
39 years$547$349$216$130$77$22
40 years$528$332$202$120$70$20
41 years$509$316$190$111$63$17
42 years$491$301$178$102$57$15
43 years$475$287$167$94$52$13
44 years$459$274$157$87$47$11
45 years$443$261$147$80$43$10
46 years$429$249$138$74$39$9
47 years$415$238$130$69$35$8
48 years$402$227$122$63$32$7
49 years$389$217$115$59$29$6
50 years$377$207$108$54$26$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $386,000, adding $5,638 every year, while hoping to spend $20,000 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: 77/17/6 Blend
34$386,000$386,000$386,000$386,000
35$431,188$410,730$404,747$463,707
36$453,889$409,576$397,026$484,693
37$478,235$407,695$388,376$504,540
38$504,374$405,030$378,745$525,709
39$532,465$401,522$368,078$548,322
40$562,686$397,106$356,318$572,514
41$595,231$391,715$343,406$598,435
42$630,312$385,277$329,278$626,248
43$668,165$377,716$313,869$656,135
44$709,045$368,951$297,111$688,296
45$753,236$358,899$278,933$722,950
46$801,049$347,467$259,260$760,341
47$852,824$334,561$238,013$800,737
48$908,938$320,080$215,112$844,433
49$969,802$303,917$190,472$891,755
50$1,035,872$285,959$164,002$943,063
51$1,107,646$266,086$135,611$998,754
52$1,185,674$244,172$105,202$1,059,265
53$1,270,559$220,083$72,673$1,125,078
54$1,362,967$193,678$37,918$1,196,727
55$1,463,629$164,808$828$1,274,799
56$1,573,351$133,315$0$1,359,941
57$1,693,017$99,032$0$1,455,350
58$1,823,604$61,783$0$1,559,550
59$1,966,184$21,384$0$1,673,366
60$2,121,940$0$0$1,797,767
61$2,292,172$0$0$1,938,001
62$2,478,312$0$0$2,095,728
63$2,681,937$0$0$2,268,284
64$2,904,783$0$0$2,457,144
65$3,148,762$0$0$2,663,927
66$3,415,978$0$0$2,890,422
67$3,708,752$0$0$3,138,595
68$4,029,635$0$0$3,410,611
69$4,381,440$0$0$3,708,858
70$4,767,264$0$0$4,035,962
71$5,190,517$0$0$4,394,818
72$5,654,958$0$0$4,788,614
73$6,164,724$0$0$5,220,861
74$6,724,375$0$0$5,695,427
75$7,338,932$0$0$6,216,573
76$8,013,926$0$0$6,788,993
77$8,755,453$0$0$7,417,857
78$9,570,224$0$0$8,108,861
79$10,465,637$0$0$8,868,281
80$11,449,838$0$0$9,703,029
81$12,531,803$0$0$10,620,723
82$13,721,423$0$0$11,629,753
83$15,029,592$0$0$12,739,364
84$16,468,314$0$0$13,959,741
85$18,050,817$0$0$15,302,108
86$19,791,670$0$0$16,778,828
87$21,706,930$0$0$18,403,524
88$23,814,287$0$0$20,191,207
89$26,133,231$0$0$22,158,414
90$28,685,239$0$0$24,323,370
91$31,493,975$0$0$26,706,152
92$34,585,511$0$0$29,328,885
93$37,988,576$0$0$32,215,946
94$41,734,828$0$0$35,394,196
95$45,859,147$0$0$38,893,232
96$50,399,968$0$0$42,745,668
97$55,399,644$0$0$46,987,440
98$60,904,841$0$0$51,658,147
99$66,966,984$0$0$56,801,422
100$73,642,735$0$0$62,465,348