Can I retire at age 35 with 409,000?

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 $409,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$33,775$33,474$33,180$32,894$32,614$31,917
2 years$16,720$16,409$16,107$15,814$15,531$14,831
3 years$11,036$10,723$10,422$10,132$9,853$9,174
4 years$8,195$7,883$7,585$7,300$7,027$6,373
5 years$6,490$6,180$5,886$5,607$5,342$4,715
6 years$5,354$5,047$4,757$4,484$4,227$3,628
7 years$4,543$4,238$3,953$3,687$3,438$2,866
8 years$3,935$3,633$3,352$3,093$2,852$2,308
9 years$3,462$3,163$2,887$2,634$2,402$1,885
10 years$3,085$2,788$2,517$2,271$2,046$1,557
11 years$2,776$2,482$2,216$1,976$1,760$1,296
12 years$2,518$2,228$1,967$1,733$1,525$1,087
13 years$2,301$2,013$1,757$1,530$1,330$916
14 years$2,114$1,830$1,579$1,358$1,166$776
15 years$1,953$1,672$1,426$1,211$1,026$660
16 years$1,812$1,534$1,292$1,085$907$563
17 years$1,688$1,413$1,176$975$804$481
18 years$1,577$1,305$1,074$878$715$412
19 years$1,479$1,210$983$794$638$354
20 years$1,390$1,124$902$719$569$304
21 years$1,310$1,047$830$652$510$262
22 years$1,237$977$765$593$457$226
23 years$1,171$914$706$540$410$195
24 years$1,110$856$653$493$369$168
25 years$1,054$804$605$450$332$145
26 years$1,003$755$561$411$299$126
27 years$956$711$521$377$269$109
28 years$912$670$484$345$243$94
29 years$871$632$451$316$219$81
30 years$833$597$420$290$198$71
31 years$797$564$391$267$179$61
32 years$764$534$365$245$162$53
33 years$732$506$341$225$147$46
34 years$703$479$318$207$133$40
35 years$676$454$298$191$120$35
36 years$650$431$279$176$109$30
37 years$625$410$261$162$99$26
38 years$602$389$244$149$90$23
39 years$580$370$229$138$81$20
40 years$559$352$214$127$74$17
41 years$539$335$201$117$67$15
42 years$521$319$189$108$61$13
43 years$503$304$177$100$55$11
44 years$486$290$166$92$50$10
45 years$470$277$156$85$45$8
46 years$454$264$146$79$41$7
47 years$440$252$138$73$37$6
48 years$426$240$129$67$34$5
49 years$412$230$122$62$31$5
50 years$399$219$114$57$28$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $409,000, adding $5,597 every year, while hoping to spend $28,960 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: 82/10/8 Blend
34$409,000$409,000$409,000$409,000
35$456,491$434,814$428,475$493,015
36$472,240$425,307$412,015$508,226
37$488,625$414,363$394,034$520,486
38$505,680$401,882$374,449$533,060
39$523,441$387,756$353,176$545,963
40$541,949$371,873$330,124$559,213
41$561,246$354,113$305,201$572,827
42$581,378$334,350$278,310$586,826
43$602,394$312,449$249,349$601,232
44$624,348$288,268$218,212$616,069
45$647,297$261,659$184,788$631,366
46$671,304$232,463$148,961$647,152
47$696,436$200,513$110,610$663,460
48$722,766$165,632$69,609$680,329
49$750,374$127,633$25,827$697,799
50$779,345$86,320$0$715,916
51$809,773$41,484$0$736,514
52$841,759$0$0$760,335
53$875,413$0$0$786,028
54$910,856$0$0$817,897
55$948,217$0$0$851,494
56$987,639$0$0$886,949
57$1,029,278$0$0$924,402
58$1,073,302$0$0$964,005
59$1,119,897$0$0$1,005,924
60$1,169,263$0$0$1,050,343
61$1,221,622$0$0$1,097,459
62$1,277,213$0$0$1,147,490
63$1,336,301$0$0$1,200,675
64$1,399,173$0$0$1,257,273
65$1,466,145$0$0$1,317,569
66$1,537,563$0$0$1,381,875
67$1,613,804$0$0$1,450,532
68$1,695,283$0$0$1,523,915
69$1,782,454$0$0$1,602,434
70$1,875,816$0$0$1,686,539
71$1,975,914$0$0$1,776,724
72$2,083,349$0$0$1,873,529
73$2,198,778$0$0$1,977,549
74$2,322,922$0$0$2,089,437
75$2,456,575$0$0$2,209,907
76$2,600,607$0$0$2,339,747
77$2,755,975$0$0$2,479,820
78$2,923,728$0$0$2,631,075
79$3,105,022$0$0$2,794,555
80$3,301,124$0$0$2,971,406
81$3,513,430$0$0$3,162,887
82$3,743,471$0$0$3,370,385
83$3,992,935$0$0$3,595,421
84$4,263,674$0$0$3,839,670
85$4,557,728$0$0$4,104,974
86$4,877,339$0$0$4,393,359
87$5,224,973$0$0$4,707,055
88$5,603,346$0$0$5,048,513
89$6,015,444$0$0$5,420,432
90$6,464,554$0$0$5,825,782
91$6,954,292$0$0$6,267,829
92$7,488,639$0$0$6,750,172
93$8,071,978$0$0$7,276,769
94$8,709,132$0$0$7,851,979
95$9,405,410$0$0$8,480,598
96$10,166,659$0$0$9,167,910
97$10,999,315$0$0$9,919,730
98$11,910,465$0$0$10,742,461
99$12,907,912$0$0$11,643,155
100$14,000,251$0$0$12,629,577