Can I retire at age 35 with 415,000?

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 $415,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$34,270$33,965$33,667$33,377$33,093$32,253
2 years$16,966$16,650$16,343$16,046$15,758$14,918
3 years$11,198$10,881$10,575$10,281$9,998$9,183
4 years$8,315$7,998$7,696$7,407$7,131$6,348
5 years$6,585$6,271$5,972$5,689$5,420$4,671
6 years$5,433$5,121$4,827$4,550$4,289$3,575
7 years$4,610$4,300$4,011$3,741$3,488$2,808
8 years$3,993$3,686$3,402$3,138$2,894$2,248
9 years$3,513$3,209$2,930$2,673$2,437$1,825
10 years$3,130$2,829$2,554$2,304$2,076$1,498
11 years$2,816$2,518$2,249$2,005$1,786$1,240
12 years$2,555$2,260$1,996$1,759$1,548$1,033
13 years$2,334$2,043$1,783$1,553$1,349$865
14 years$2,145$1,857$1,602$1,378$1,183$727
15 years$1,982$1,696$1,446$1,229$1,042$614
16 years$1,839$1,556$1,311$1,101$921$520
17 years$1,712$1,433$1,193$989$816$441
18 years$1,600$1,324$1,089$891$726$375
19 years$1,500$1,227$997$805$647$320
20 years$1,410$1,141$915$729$578$273
21 years$1,329$1,062$842$662$517$233
22 years$1,255$992$776$602$463$199
23 years$1,188$928$716$548$416$171
24 years$1,127$869$663$500$374$146
25 years$1,070$816$614$457$336$125
26 years$1,018$767$569$417$303$108
27 years$970$721$528$382$273$92
28 years$925$680$491$350$247$79
29 years$883$641$457$321$223$68
30 years$845$606$426$295$201$58
31 years$809$572$397$271$182$50
32 years$775$542$370$249$165$43
33 years$743$513$346$229$149$37
34 years$713$486$323$210$135$32
35 years$685$461$302$194$122$27
36 years$659$438$283$178$111$24
37 years$634$416$265$164$100$20
38 years$611$395$248$151$91$17
39 years$588$376$232$140$82$15
40 years$567$357$218$129$75$13
41 years$547$340$204$119$68$11
42 years$528$324$191$110$62$10
43 years$510$309$180$101$56$8
44 years$493$294$169$94$51$7
45 years$477$281$158$86$46$6
46 years$461$268$149$80$42$5
47 years$446$255$140$74$38$5
48 years$432$244$131$68$34$4
49 years$418$233$123$63$31$3
50 years$405$222$116$58$28$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $415,000, adding $4,941 every year, while hoping to spend $25,572 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: 32/39/29 Blend
34$415,000$415,000$415,000$415,000
35$462,427$440,432$433,999$473,018
36$482,386$434,804$421,330$475,943
37$503,524$428,044$407,379$476,502
38$525,933$420,069$392,076$476,610
39$549,717$410,791$375,350$476,244
40$574,986$400,118$357,122$475,383
41$601,863$387,951$337,313$474,006
42$630,479$374,187$315,840$472,092
43$660,983$358,717$292,615$469,623
44$693,533$341,424$267,547$466,578
45$728,304$322,185$240,541$462,943
46$765,489$300,870$211,497$458,700
47$805,299$277,342$180,312$453,838
48$847,963$251,456$146,876$448,346
49$893,736$223,057$111,077$442,216
50$942,894$191,985$72,796$435,445
51$995,744$158,067$31,909$428,033
52$1,052,620$121,122$0$419,985
53$1,113,890$80,959$0$414,941
54$1,179,957$37,377$0$420,062
55$1,251,265$0$0$425,535
56$1,328,301$0$0$435,660
57$1,411,601$0$0$464,004
58$1,501,754$0$0$494,731
59$1,599,407$0$0$528,070
60$1,705,272$0$0$564,270
61$1,820,131$0$0$603,605
62$1,944,844$0$0$646,379
63$2,080,358$0$0$692,925
64$2,227,715$0$0$743,607
65$2,388,059$0$0$798,828
66$2,562,652$0$0$859,033
67$2,752,881$0$0$924,708
68$2,960,271$0$0$996,391
69$3,186,502$0$0$1,074,673
70$3,433,425$0$0$1,160,203
71$3,703,073$0$0$1,253,699
72$3,997,687$0$0$1,355,949
73$4,319,735$0$0$1,467,822
74$4,671,931$0$0$1,590,272
75$5,057,266$0$0$1,724,354
76$5,479,033$0$0$1,871,226
77$5,940,856$0$0$2,032,165
78$6,446,729$0$0$2,208,577
79$7,001,047$0$0$2,402,011
80$7,608,654$0$0$2,614,172
81$8,274,882$0$0$2,846,939
82$9,005,605$0$0$3,102,381
83$9,807,292$0$0$3,382,777
84$10,687,070$0$0$3,690,638
85$11,652,786$0$0$4,028,730
86$12,713,089$0$0$4,400,099
87$13,877,501$0$0$4,808,102
88$15,156,516$0$0$5,256,435
89$16,561,690$0$0$5,749,173
90$18,105,758$0$0$6,290,801
91$19,802,745$0$0$6,886,266
92$21,668,107$0$0$7,541,012
93$23,718,868$0$0$8,261,042
94$25,973,786$0$0$9,052,966
95$28,453,527$0$0$9,924,069
96$31,180,860$0$0$10,882,378
97$34,180,870$0$0$11,936,734
98$37,481,198$0$0$13,096,882
99$41,112,296$0$0$14,373,557
100$45,107,719$0$0$15,778,588