Can I retire at age 35 with 401,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $401,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$33,114$32,819$32,531$32,251$31,976$31,331
2 years$16,393$16,088$15,792$15,505$15,227$14,579
3 years$10,820$10,514$10,218$9,934$9,661$9,031
4 years$8,034$7,729$7,436$7,157$6,890$6,284
5 years$6,363$6,059$5,771$5,497$5,238$4,656
6 years$5,249$4,948$4,664$4,396$4,144$3,588
7 years$4,454$4,155$3,876$3,614$3,370$2,840
8 years$3,858$3,562$3,287$3,032$2,796$2,291
9 years$3,395$3,101$2,831$2,583$2,355$1,874
10 years$3,024$2,734$2,468$2,226$2,006$1,551
11 years$2,721$2,434$2,173$1,937$1,726$1,294
12 years$2,469$2,184$1,928$1,699$1,495$1,087
13 years$2,256$1,974$1,723$1,500$1,304$918
14 years$2,073$1,794$1,548$1,332$1,143$779
15 years$1,915$1,639$1,398$1,188$1,006$664
16 years$1,777$1,504$1,267$1,064$889$567
17 years$1,655$1,385$1,153$956$789$486
18 years$1,547$1,280$1,053$861$701$417
19 years$1,450$1,186$964$778$625$359
20 years$1,363$1,102$884$705$558$309
21 years$1,284$1,027$813$640$500$267
22 years$1,213$958$750$582$448$231
23 years$1,148$896$692$530$402$200
24 years$1,089$840$640$483$361$173
25 years$1,034$788$593$441$325$150
26 years$983$741$550$403$293$130
27 years$937$697$511$369$264$112
28 years$894$657$475$338$238$98
29 years$854$620$442$310$215$85
30 years$816$585$411$285$194$74
31 years$781$553$384$261$176$64
32 years$749$523$358$240$159$55
33 years$718$496$334$221$144$48
34 years$689$470$312$203$130$42
35 years$662$446$292$187$118$36
36 years$637$423$273$172$107$32
37 years$613$402$256$159$97$28
38 years$590$382$239$146$88$24
39 years$569$363$224$135$80$21
40 years$548$345$210$124$72$18
41 years$529$329$197$115$66$16
42 years$511$313$185$106$59$14
43 years$493$298$173$98$54$12
44 years$476$284$163$90$49$10
45 years$461$271$153$83$44$9
46 years$445$259$144$77$40$8
47 years$431$247$135$71$37$7
48 years$417$236$127$66$33$6
49 years$404$225$119$61$30$5
50 years$392$215$112$56$27$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $401,000, adding $5,784 every year, while hoping to spend $32,400 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: 58/26/16 Blend
34$401,000$401,000$401,000$401,000
35$447,868$426,615$420,400$471,671
36$459,077$413,046$400,010$474,887
37$470,344$397,726$377,851$474,330
38$481,640$380,535$353,829$472,975
39$492,932$361,347$327,848$470,752
40$504,185$340,026$299,804$467,584
41$515,356$316,431$269,592$463,388
42$526,398$290,413$237,099$458,075
43$537,259$261,811$202,210$451,547
44$547,878$230,458$164,803$443,702
45$558,188$196,178$124,751$434,427
46$568,115$158,782$81,922$423,601
47$577,574$118,073$36,177$411,094
48$586,470$73,842$0$396,764
49$594,697$25,868$0$382,617
50$602,139$0$0$373,062
51$608,664$0$0$369,226
52$614,125$0$0$372,092
53$618,359$0$0$374,155
54$621,186$0$0$375,298
55$622,403$0$0$375,391
56$621,786$0$0$374,290
57$619,088$0$0$371,837
58$614,031$0$0$367,854
59$606,310$0$0$362,144
60$595,586$0$0$354,489
61$581,482$0$0$344,650
62$563,581$0$0$332,358
63$541,423$0$0$317,317
64$514,495$0$0$299,201
65$482,233$0$0$277,646
66$444,011$0$0$252,253
67$399,137$0$0$222,578
68$346,846$0$0$188,130
69$286,291$0$0$148,369
70$216,538$0$0$102,695
71$136,552$0$0$50,447
72$45,193$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0