Can I retire at age 35 with 395,000?

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 $395,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$32,619$32,328$32,045$31,768$31,498$30,490
2 years$16,148$15,847$15,556$15,273$14,999$13,992
3 years$10,658$10,356$10,066$9,786$9,516$8,543
4 years$7,914$7,613$7,325$7,050$6,787$5,854
5 years$6,268$5,969$5,685$5,415$5,159$4,270
6 years$5,171$4,874$4,594$4,330$4,082$3,237
7 years$4,388$4,093$3,818$3,560$3,320$2,519
8 years$3,800$3,509$3,238$2,987$2,754$1,997
9 years$3,344$3,055$2,789$2,544$2,320$1,604
10 years$2,979$2,693$2,431$2,193$1,976$1,303
11 years$2,681$2,397$2,140$1,909$1,700$1,066
12 years$2,432$2,152$1,900$1,674$1,473$878
13 years$2,222$1,944$1,697$1,478$1,284$727
14 years$2,042$1,767$1,525$1,312$1,126$605
15 years$1,886$1,615$1,377$1,170$991$504
16 years$1,750$1,481$1,248$1,048$876$422
17 years$1,630$1,364$1,136$941$777$354
18 years$1,523$1,261$1,037$848$691$297
19 years$1,428$1,168$949$766$616$250
20 years$1,342$1,086$871$694$550$210
21 years$1,265$1,011$801$630$492$177
22 years$1,195$944$738$573$441$150
23 years$1,131$883$682$522$396$127
24 years$1,072$827$631$476$356$107
25 years$1,018$776$584$435$320$90
26 years$969$730$542$397$288$77
27 years$923$687$503$364$260$65
28 years$880$647$468$333$235$55
29 years$841$610$435$306$212$46
30 years$804$576$405$280$191$39
31 years$770$545$378$258$173$33
32 years$738$516$353$237$157$28
33 years$707$488$329$218$142$24
34 years$679$463$308$200$128$20
35 years$652$439$288$184$116$17
36 years$627$417$269$170$105$15
37 years$604$396$252$156$95$12
38 years$581$376$236$144$87$10
39 years$560$358$221$133$78$9
40 years$540$340$207$123$71$8
41 years$521$324$194$113$65$6
42 years$503$308$182$104$59$5
43 years$486$294$171$96$53$5
44 years$469$280$160$89$48$4
45 years$454$267$151$82$44$3
46 years$439$255$141$76$40$3
47 years$425$243$133$70$36$2
48 years$411$232$125$65$33$2
49 years$398$222$117$60$30$2
50 years$386$212$110$55$27$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $395,000, adding $3,714 every year, while hoping to spend $21,936 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: 53/35/12 Blend
34$395,000$395,000$395,000$395,000
35$439,121$418,186$412,063$460,826
36$460,572$415,337$402,528$473,170
37$483,475$411,614$391,938$483,922
38$507,956$406,950$380,234$495,113
39$534,152$401,275$367,357$506,792
40$562,213$394,515$353,241$519,009
41$592,304$386,591$337,819$531,825
42$624,606$377,421$321,023$545,306
43$659,317$366,916$302,778$559,526
44$696,655$354,982$283,009$574,569
45$736,859$341,522$261,636$590,529
46$780,192$326,430$238,574$607,510
47$826,943$309,596$213,737$625,630
48$877,428$290,903$187,034$645,019
49$931,996$270,228$158,370$665,825
50$991,030$247,439$127,645$688,209
51$1,054,950$222,398$94,757$712,355
52$1,124,219$194,960$59,595$738,466
53$1,199,346$164,970$22,048$766,768
54$1,280,890$132,264$0$797,513
55$1,369,467$96,672$0$833,291
56$1,465,754$58,009$0$875,269
57$1,570,494$16,086$0$920,985
58$1,684,508$0$0$970,843
59$1,808,697$0$0$1,036,576
60$1,944,053$0$0$1,115,008
61$2,091,668$0$0$1,200,580
62$2,252,743$0$0$1,293,994
63$2,428,601$0$0$1,396,020
64$2,620,698$0$0$1,507,510
65$2,830,636$0$0$1,629,398
66$3,060,181$0$0$1,762,714
67$3,311,276$0$0$1,908,593
68$3,586,059$0$0$2,068,283
69$3,886,887$0$0$2,243,160
70$4,216,354$0$0$2,434,737
71$4,577,315$0$0$2,644,683
72$4,972,918$0$0$2,874,833
73$5,406,627$0$0$3,127,211
74$5,882,258$0$0$3,404,045
75$6,404,014$0$0$3,707,788
76$6,976,525$0$0$4,041,143
77$7,604,890$0$0$4,407,089
78$8,294,726$0$0$4,808,904
79$9,052,221$0$0$5,250,202
80$9,884,191$0$0$5,734,961
81$10,798,143$0$0$6,267,568
82$11,802,351$0$0$6,852,850
83$12,905,926$0$0$7,496,131
84$14,118,906$0$0$8,203,271
85$15,452,354$0$0$8,980,729
86$16,918,452$0$0$9,835,620
87$18,530,626$0$0$10,775,785
88$20,303,666$0$0$11,809,860
89$22,253,868$0$0$12,947,361
90$24,399,187$0$0$14,198,773
91$26,759,404$0$0$15,575,649
92$29,356,315$0$0$17,090,718
93$32,213,936$0$0$18,758,003
94$35,358,728$0$0$20,592,959
95$38,819,846$0$0$22,612,611
96$42,629,415$0$0$24,835,722
97$46,822,834$0$0$27,282,965
98$51,439,106$0$0$29,977,116
99$56,521,208$0$0$32,943,277
100$62,116,498$0$0$36,209,104