Can I retire at age 35 with 425,000?

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 $425,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$35,096$34,783$34,478$34,181$33,890$33,494
2 years$17,374$17,051$16,737$16,433$16,138$15,740
3 years$11,468$11,143$10,830$10,529$10,239$9,850
4 years$8,515$8,191$7,881$7,585$7,302$6,927
5 years$6,744$6,422$6,116$5,826$5,551$5,189
6 years$5,564$5,244$4,943$4,659$4,392$4,045
7 years$4,721$4,404$4,108$3,831$3,572$3,239
8 years$4,089$3,775$3,484$3,213$2,963$2,645
9 years$3,598$3,287$3,000$2,737$2,496$2,191
10 years$3,205$2,897$2,616$2,359$2,126$1,836
11 years$2,884$2,579$2,303$2,053$1,829$1,552
12 years$2,617$2,315$2,044$1,801$1,585$1,322
13 years$2,391$2,092$1,826$1,590$1,382$1,132
14 years$2,197$1,902$1,641$1,412$1,211$975
15 years$2,029$1,737$1,481$1,259$1,067$842
16 years$1,883$1,594$1,343$1,127$943$730
17 years$1,754$1,468$1,222$1,013$836$635
18 years$1,639$1,356$1,116$913$743$554
19 years$1,537$1,257$1,021$825$662$484
20 years$1,444$1,168$937$747$592$424
21 years$1,361$1,088$862$678$530$371
22 years$1,286$1,016$795$616$475$326
23 years$1,217$950$734$561$426$287
24 years$1,154$890$679$512$383$252
25 years$1,096$835$628$468$345$222
26 years$1,042$785$583$428$310$196
27 years$993$739$541$391$280$173
28 years$947$696$503$359$253$152
29 years$905$657$468$329$228$134
30 years$865$620$436$302$206$119
31 years$828$586$407$277$186$105
32 years$794$555$379$255$168$93
33 years$761$525$354$234$152$82
34 years$731$498$331$215$138$73
35 years$702$472$309$198$125$64
36 years$675$448$289$183$113$57
37 years$650$426$271$168$103$50
38 years$625$405$254$155$93$45
39 years$603$385$238$143$84$39
40 years$581$366$223$132$77$35
41 years$561$348$209$122$69$31
42 years$541$332$196$112$63$27
43 years$523$316$184$104$57$24
44 years$505$301$173$96$52$22
45 years$488$287$162$88$47$19
46 years$472$274$152$82$43$17
47 years$457$262$143$75$39$15
48 years$442$250$134$70$35$13
49 years$428$239$126$64$32$12
50 years$415$228$119$60$29$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $425,000, adding $3,735 every year, while hoping to spend $20,304 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: 47/45/8 Blend
34$425,000$425,000$425,000$425,000
35$472,203$449,678$443,090$493,198
36$498,764$450,109$436,330$508,449
37$527,354$449,880$428,664$522,565
38$558,159$448,938$420,038$537,413
39$591,381$447,227$410,400$553,068
40$627,245$444,684$399,691$569,612
41$665,997$441,247$387,854$587,138
42$707,907$436,846$374,825$605,748
43$753,272$431,410$360,541$625,557
44$802,419$424,862$344,932$646,692
45$855,707$417,122$327,928$669,296
46$913,530$408,102$309,455$693,525
47$976,324$397,712$289,435$719,556
48$1,044,565$385,856$267,788$747,584
49$1,118,780$372,432$244,427$777,826
50$1,199,546$357,332$219,266$810,524
51$1,287,499$340,441$192,212$845,945
52$1,383,341$321,639$163,167$884,387
53$1,487,840$300,798$132,032$926,180
54$1,601,846$277,783$98,701$971,692
55$1,726,290$252,451$63,064$1,021,328
56$1,862,202$224,651$25,006$1,075,542
57$2,010,711$194,223$0$1,134,832
58$2,173,062$160,999$0$1,201,088
59$2,350,627$124,801$0$1,275,955
60$2,544,915$85,440$0$1,357,990
61$2,757,588$42,718$0$1,447,961
62$2,990,476$0$0$1,546,716
63$3,245,595$0$0$1,656,964
64$3,525,163$0$0$1,801,005
65$3,831,626$0$0$1,958,953
66$4,167,675$0$0$2,132,200
67$4,536,275$0$0$2,322,281
68$4,940,693$0$0$2,530,887
69$5,384,526$0$0$2,759,881
70$5,871,736$0$0$3,011,313
71$6,406,688$0$0$3,287,445
72$6,994,190$0$0$3,590,764
73$7,639,539$0$0$3,924,014
74$8,348,569$0$0$4,290,216
75$9,127,710$0$0$4,692,698
76$9,984,042$0$0$5,135,127
77$10,925,366$0$0$5,621,543
78$11,960,279$0$0$6,156,395
79$13,098,250$0$0$6,744,589
80$14,349,711$0$0$7,391,526
81$15,726,157$0$0$8,103,159
82$17,240,254$0$0$8,886,046
83$18,905,954$0$0$9,747,412
84$20,738,633$0$0$10,695,220
85$22,755,229$0$0$11,738,243
86$24,974,407$0$0$12,886,144
87$27,416,734$0$0$14,149,576
88$30,104,868$0$0$15,540,273
89$33,063,778$0$0$17,071,165
90$36,320,975$0$0$18,756,501
91$39,906,775$0$0$20,611,979
92$43,854,579$0$0$22,654,899
93$48,201,195$0$0$24,904,322
94$52,987,180$0$0$27,381,253
95$58,257,222$0$0$30,108,837
96$64,060,568$0$0$33,112,577
97$70,451,480$0$0$36,420,577
98$77,489,752$0$0$40,063,804
99$85,241,273$0$0$44,076,383
100$93,778,647$0$0$48,495,916