Can I retire at age 35 with 409,000?

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 $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%16.3%
1 years$33,775$33,474$33,180$32,894$32,614$31,774
2 years$16,720$16,409$16,107$15,814$15,531$14,690
3 years$11,036$10,723$10,422$10,132$9,853$9,038
4 years$8,195$7,883$7,585$7,300$7,027$6,244
5 years$6,490$6,180$5,886$5,607$5,342$4,593
6 years$5,354$5,047$4,757$4,484$4,227$3,513
7 years$4,543$4,238$3,953$3,687$3,438$2,758
8 years$3,935$3,633$3,352$3,093$2,852$2,207
9 years$3,462$3,163$2,887$2,634$2,402$1,791
10 years$3,085$2,788$2,517$2,271$2,046$1,469
11 years$2,776$2,482$2,216$1,976$1,760$1,214
12 years$2,518$2,228$1,967$1,733$1,525$1,011
13 years$2,301$2,013$1,757$1,530$1,330$846
14 years$2,114$1,830$1,579$1,358$1,166$711
15 years$1,953$1,672$1,426$1,211$1,026$600
16 years$1,812$1,534$1,292$1,085$907$508
17 years$1,688$1,413$1,176$975$804$431
18 years$1,577$1,305$1,074$878$715$366
19 years$1,479$1,210$983$794$638$312
20 years$1,390$1,124$902$719$569$266
21 years$1,310$1,047$830$652$510$227
22 years$1,237$977$765$593$457$194
23 years$1,171$914$706$540$410$166
24 years$1,110$856$653$493$369$142
25 years$1,054$804$605$450$332$122
26 years$1,003$755$561$411$299$104
27 years$956$711$521$377$269$89
28 years$912$670$484$345$243$77
29 years$871$632$451$316$219$66
30 years$833$597$420$290$198$56
31 years$797$564$391$267$179$48
32 years$764$534$365$245$162$42
33 years$732$506$341$225$147$36
34 years$703$479$318$207$133$31
35 years$676$454$298$191$120$26
36 years$650$431$279$176$109$23
37 years$625$410$261$162$99$19
38 years$602$389$244$149$90$17
39 years$580$370$229$138$81$14
40 years$559$352$214$127$74$12
41 years$539$335$201$117$67$11
42 years$521$319$189$108$61$9
43 years$503$304$177$100$55$8
44 years$486$290$166$92$50$7
45 years$470$277$156$85$45$6
46 years$454$264$146$79$41$5
47 years$440$252$138$73$37$4
48 years$426$240$129$67$34$4
49 years$412$230$122$62$31$3
50 years$399$219$114$57$28$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $409,000, adding $5,424 every year, while hoping to spend $23,172 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: 22/49/29 Blend
34$409,000$409,000$409,000$409,000
35$456,313$434,636$428,296$462,088
36$478,202$431,278$417,989$464,279
37$501,547$426,979$406,561$464,347
38$526,472$421,669$393,948$463,925
39$553,114$415,272$380,086$462,988
40$581,620$407,709$364,908$461,510
41$612,155$398,896$348,342$459,468
42$644,897$388,745$330,314$456,836
43$680,044$377,160$310,747$453,590
44$717,811$364,043$289,559$449,708
45$758,434$349,289$266,666$445,167
46$802,175$332,784$241,980$439,947
47$849,318$314,412$215,407$434,028
48$900,177$294,047$186,852$427,393
49$955,098$271,557$156,214$420,029
50$1,014,457$246,803$123,387$411,923
51$1,078,673$219,637$88,261$403,067
52$1,148,202$189,904$50,722$393,459
53$1,223,547$157,438$10,650$383,099
54$1,305,261$122,065$0$371,995
55$1,393,954$83,602$0$370,098
56$1,490,293$41,854$0$371,654
57$1,595,014$0$0$373,439
58$1,708,927$0$0$377,360
59$1,832,923$0$0$406,258
60$1,967,982$0$0$437,800
61$2,115,181$0$0$472,249
62$2,275,709$0$0$509,890
63$2,450,871$0$0$551,039
64$2,642,106$0$0$596,042
65$2,850,995$0$0$645,283
66$3,079,283$0$0$699,183
67$3,328,886$0$0$758,205
68$3,601,918$0$0$822,860
69$3,900,704$0$0$893,710
70$4,227,804$0$0$971,376
71$4,586,040$0$0$1,056,537
72$4,978,516$0$0$1,149,947
73$5,408,653$0$0$1,252,433
74$5,880,217$0$0$1,364,905
75$6,397,357$0$0$1,488,369
76$6,964,642$0$0$1,623,929
77$7,587,105$0$0$1,772,805
78$8,270,289$0$0$1,936,338
79$9,020,301$0$0$2,116,006
80$9,843,867$0$0$2,313,439
81$10,748,396$0$0$2,530,430
82$11,742,053$0$0$2,768,957
83$12,833,827$0$0$3,031,196
84$14,033,627$0$0$3,319,548
85$15,352,365$0$0$3,636,656
86$16,802,064$0$0$3,985,432
87$18,395,970$0$0$4,369,085
88$20,148,678$0$0$4,791,150
89$22,076,267$0$0$5,255,523
90$24,196,451$0$0$5,766,496
91$26,528,748$0$0$6,328,798
92$29,094,664$0$0$6,947,640
93$31,917,893$0$0$7,628,762
94$35,024,542$0$0$8,378,491
95$38,443,376$0$0$9,203,798
96$42,206,090$0$0$10,112,364
97$46,347,609$0$0$11,112,651
98$50,906,412$0$0$12,213,986
99$55,924,900$0$0$13,426,643
100$61,449,794$0$0$14,761,947