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%15.4%
1 years$31,876$31,592$31,315$31,044$30,780$30,097
2 years$15,780$15,486$15,201$14,925$14,657$13,973
3 years$10,415$10,120$9,836$9,563$9,299$8,634
4 years$7,734$7,440$7,158$6,889$6,632$5,992
5 years$6,125$5,833$5,555$5,292$5,042$4,429
6 years$5,053$4,763$4,489$4,232$3,989$3,404
7 years$4,288$4,000$3,731$3,479$3,244$2,686
8 years$3,714$3,429$3,164$2,919$2,692$2,161
9 years$3,268$2,985$2,725$2,486$2,267$1,763
10 years$2,911$2,631$2,376$2,143$1,931$1,454
11 years$2,619$2,342$2,092$1,865$1,661$1,209
12 years$2,377$2,102$1,856$1,636$1,439$1,012
13 years$2,171$1,900$1,658$1,444$1,255$853
14 years$1,995$1,727$1,490$1,282$1,100$721
15 years$1,843$1,578$1,345$1,143$969$612
16 years$1,710$1,448$1,220$1,024$856$521
17 years$1,593$1,333$1,110$920$759$445
18 years$1,489$1,232$1,013$829$675$381
19 years$1,396$1,142$928$749$602$326
20 years$1,312$1,061$851$678$537$280
21 years$1,236$988$783$616$481$241
22 years$1,168$922$722$560$431$207
23 years$1,105$863$666$510$387$179
24 years$1,048$808$616$465$348$154
25 years$995$759$571$425$313$133
26 years$947$713$529$388$282$115
27 years$902$671$492$355$254$99
28 years$860$632$457$326$229$86
29 years$822$596$425$299$207$74
30 years$786$563$396$274$187$64
31 years$752$532$369$252$169$55
32 years$721$504$345$231$153$48
33 years$691$477$322$213$138$41
34 years$664$452$301$196$125$36
35 years$638$429$281$180$114$31
36 years$613$407$263$166$103$27
37 years$590$387$246$153$93$23
38 years$568$367$230$141$85$20
39 years$547$349$216$130$77$17
40 years$528$332$202$120$70$15
41 years$509$316$190$111$63$13
42 years$491$301$178$102$57$11
43 years$475$287$167$94$52$10
44 years$459$274$157$87$47$9
45 years$443$261$147$80$43$7
46 years$429$249$138$74$39$6
47 years$415$238$130$69$35$6
48 years$402$227$122$63$32$5
49 years$389$217$115$59$29$4
50 years$377$207$108$54$26$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $386,000, adding $2,582 every year, while hoping to spend $20,947 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: 74/18/8 Blend
34$386,000$386,000$386,000$386,000
35$428,035$407,577$401,594$458,985
36$449,407$405,261$392,760$477,416
37$472,258$402,129$382,928$494,707
38$496,714$398,120$372,043$513,057
39$522,918$393,167$360,045$532,563
40$551,025$387,201$346,876$553,335
41$581,203$380,148$332,470$575,492
42$613,640$371,930$316,762$599,164
43$648,540$362,463$299,682$624,498
44$686,128$351,660$281,158$651,655
45$726,649$339,428$261,113$680,810
46$770,376$325,668$239,469$712,162
47$817,606$310,277$216,143$745,925
48$868,665$293,144$191,047$782,339
49$923,914$274,154$164,092$821,667
50$983,748$253,182$135,184$864,202
51$1,048,600$230,098$104,223$910,264
52$1,118,950$204,765$71,107$960,209
53$1,195,323$177,039$35,729$1,014,429
54$1,278,296$146,763$0$1,073,357
55$1,368,505$113,778$0$1,137,645
56$1,466,650$77,911$0$1,210,913
57$1,573,501$38,981$0$1,290,702
58$1,689,903$0$0$1,377,667
59$1,816,790$0$0$1,473,163
60$1,955,187$0$0$1,585,759
61$2,106,222$0$0$1,708,652
62$2,271,138$0$0$1,842,857
63$2,451,303$0$0$1,989,488
64$2,648,223$0$0$2,149,773
65$2,863,556$0$0$2,325,064
66$3,099,127$0$0$2,516,849
67$3,356,947$0$0$2,726,767
68$3,639,228$0$0$2,956,622
69$3,948,407$0$0$3,208,403
70$4,287,169$0$0$3,484,296
71$4,658,469$0$0$3,786,712
72$5,065,564$0$0$4,118,306
73$5,512,037$0$0$4,482,000
74$6,001,840$0$0$4,881,016
75$6,539,320$0$0$5,318,900
76$7,129,271$0$0$5,799,559
77$7,776,969$0$0$6,327,296
78$8,488,229$0$0$6,906,852
79$9,269,454$0$0$7,543,449
80$10,127,700$0$0$8,242,840
81$11,070,739$0$0$9,011,362
82$12,107,134$0$0$9,855,998
83$13,246,317$0$0$10,784,440
84$14,498,681$0$0$11,805,161
85$15,875,675$0$0$12,927,498
86$17,389,913$0$0$14,161,737
87$19,055,294$0$0$15,519,211
88$20,887,129$0$0$17,012,406
89$22,902,290$0$0$18,655,079
90$25,119,364$0$0$20,462,388
91$27,558,832$0$0$22,451,035
92$30,243,261$0$0$24,639,420
93$33,197,515$0$0$27,047,819
94$36,448,990$0$0$29,698,573
95$40,027,873$0$0$32,616,298
96$43,967,427$0$0$35,828,117
97$48,304,301$0$0$39,363,919
98$53,078,881$0$0$43,256,634
99$58,335,666$0$0$47,542,551
100$64,123,688$0$0$52,261,654