Can I retire at age 35 with 404,000?

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 $404,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$33,362$33,065$32,775$32,492$32,216$30,986
2 years$16,516$16,208$15,910$15,621$15,341$14,117
3 years$10,901$10,592$10,295$10,009$9,733$8,553
4 years$8,094$7,786$7,492$7,211$6,942$5,814
5 years$6,411$6,105$5,814$5,538$5,277$4,205
6 years$5,289$4,985$4,699$4,429$4,175$3,160
7 years$4,488$4,186$3,905$3,641$3,396$2,436
8 years$3,887$3,588$3,311$3,055$2,817$1,913
9 years$3,420$3,124$2,852$2,602$2,372$1,522
10 years$3,047$2,754$2,487$2,243$2,021$1,224
11 years$2,742$2,452$2,189$1,952$1,738$991
12 years$2,487$2,201$1,943$1,712$1,507$808
13 years$2,273$1,989$1,736$1,512$1,314$662
14 years$2,089$1,808$1,560$1,342$1,152$544
15 years$1,929$1,651$1,408$1,197$1,014$449
16 years$1,790$1,515$1,277$1,071$896$371
17 years$1,667$1,395$1,162$963$795$307
18 years$1,558$1,289$1,060$868$706$255
19 years$1,461$1,195$971$784$630$212
20 years$1,373$1,110$891$710$562$176
21 years$1,294$1,034$820$644$503$147
22 years$1,222$965$755$586$451$122
23 years$1,157$903$697$534$405$102
24 years$1,097$846$645$487$364$85
25 years$1,042$794$597$444$328$71
26 years$991$746$554$406$295$59
27 years$944$702$514$372$266$50
28 years$900$662$478$341$240$41
29 years$860$624$445$313$217$35
30 years$822$590$415$287$196$29
31 years$787$557$386$263$177$24
32 years$754$527$361$242$160$20
33 years$724$499$337$223$145$17
34 years$695$473$315$205$131$14
35 years$667$449$294$189$119$12
36 years$642$426$275$174$108$10
37 years$617$405$258$160$98$8
38 years$595$385$241$147$88$7
39 years$573$366$226$136$80$6
40 years$552$348$212$125$73$5
41 years$533$331$199$116$66$4
42 years$514$315$186$107$60$3
43 years$497$301$175$99$54$3
44 years$480$286$164$91$49$2
45 years$464$273$154$84$45$2
46 years$449$261$145$78$41$2
47 years$434$249$136$72$37$1
48 years$420$237$128$66$34$1
49 years$407$227$120$61$30$1
50 years$394$217$113$57$28$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $404,000, adding $6,036 every year, while hoping to spend $23,249 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: 51/35/14 Blend
34$404,000$404,000$404,000$404,000
35$451,434$430,022$423,760$472,452
36$472,744$426,356$413,219$483,844
37$495,448$421,732$401,546$493,275
38$519,663$416,077$388,678$503,006
39$545,520$409,316$374,550$513,073
40$573,159$401,369$359,094$523,515
41$602,736$392,150$342,237$534,379
42$634,419$381,569$323,906$545,716
43$668,395$369,531$304,022$557,584
44$704,868$355,935$282,504$570,049
45$744,064$340,675$259,267$583,186
46$786,227$323,637$234,221$597,079
47$831,628$304,701$207,273$611,823
48$880,564$283,741$178,327$627,523
49$933,361$260,624$147,280$644,300
50$990,377$235,208$114,028$662,287
51$1,052,006$207,343$78,458$681,636
52$1,118,680$176,873$40,456$702,514
53$1,190,875$143,629$0$725,110
54$1,269,114$107,437$0$749,651
55$1,353,971$68,109$0$782,807
56$1,446,080$25,450$0$818,812
57$1,546,134$0$0$857,980
58$1,654,900$0$0$908,652
59$1,773,217$0$0$974,474
60$1,902,014$0$0$1,046,163
61$2,042,307$0$0$1,124,292
62$2,195,218$0$0$1,209,490
63$2,361,981$0$0$1,302,450
64$2,543,953$0$0$1,403,934
65$2,742,630$0$0$1,514,781
66$2,959,656$0$0$1,635,915
67$3,196,843$0$0$1,768,353
68$3,456,185$0$0$1,913,216
69$3,739,878$0$0$2,071,737
70$4,050,340$0$0$2,245,273
71$4,390,232$0$0$2,435,319
72$4,762,485$0$0$2,643,522
73$5,170,329$0$0$2,871,696
74$5,617,317$0$0$3,121,838
75$6,107,367$0$0$3,396,146
76$6,644,790$0$0$3,697,045
77$7,234,335$0$0$4,027,201
78$7,881,235$0$0$4,389,555
79$8,591,253$0$0$4,787,343
80$9,370,735$0$0$5,224,133
81$10,226,675$0$0$5,703,853
82$11,166,775$0$0$6,230,829
83$12,199,519$0$0$6,809,831
84$13,334,256$0$0$7,446,110
85$14,581,283$0$0$8,145,452
86$15,951,946$0$0$8,914,232
87$17,458,742$0$0$9,759,472
88$19,115,442$0$0$10,688,911
89$20,937,217$0$0$11,711,073
90$22,940,780$0$0$12,835,350
91$25,144,548$0$0$14,072,090
92$27,568,810$0$0$15,432,694
93$30,235,922$0$0$16,929,726
94$33,170,514$0$0$18,577,027
95$36,399,727$0$0$20,389,847
96$39,953,463$0$0$22,384,990
97$43,864,670$0$0$24,580,973
98$48,169,653$0$0$26,998,196
99$52,908,414$0$0$29,659,140
100$58,125,030$0$0$32,588,574