Can I retire at age 35 with 426,000?

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 $426,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$35,179$34,865$34,560$34,261$33,970$33,643
2 years$17,415$17,091$16,777$16,472$16,176$15,847
3 years$11,495$11,169$10,856$10,554$10,263$9,941
4 years$8,535$8,210$7,900$7,603$7,320$7,008
5 years$6,760$6,437$6,131$5,840$5,564$5,264
6 years$5,577$5,256$4,955$4,670$4,403$4,114
7 years$4,732$4,414$4,117$3,840$3,581$3,304
8 years$4,099$3,784$3,492$3,221$2,970$2,705
9 years$3,606$3,295$3,007$2,744$2,502$2,248
10 years$3,213$2,904$2,622$2,365$2,131$1,889
11 years$2,891$2,585$2,308$2,058$1,833$1,602
12 years$2,623$2,320$2,049$1,805$1,589$1,369
13 years$2,396$2,097$1,830$1,594$1,385$1,176
14 years$2,202$1,906$1,645$1,415$1,214$1,016
15 years$2,034$1,741$1,485$1,262$1,069$881
16 years$1,887$1,598$1,346$1,130$945$767
17 years$1,758$1,471$1,225$1,015$838$669
18 years$1,643$1,360$1,118$915$745$585
19 years$1,540$1,260$1,024$827$664$513
20 years$1,448$1,171$939$749$593$451
21 years$1,364$1,091$864$679$531$397
22 years$1,289$1,018$796$618$476$350
23 years$1,220$952$735$563$427$309
24 years$1,156$892$680$513$384$273
25 years$1,098$837$630$469$345$241
26 years$1,045$787$584$429$311$213
27 years$995$740$542$392$281$189
28 years$949$698$504$359$253$167
29 years$907$658$469$330$229$148
30 years$867$622$437$302$207$132
31 years$830$588$408$278$187$117
32 years$795$556$380$255$169$104
33 years$763$527$355$235$153$92
34 years$732$499$332$216$138$82
35 years$704$473$310$199$125$73
36 years$677$449$290$183$114$65
37 years$651$427$272$169$103$57
38 years$627$406$254$156$93$51
39 years$604$386$238$143$85$45
40 years$582$367$223$132$77$40
41 years$562$349$209$122$70$36
42 years$542$333$196$113$63$32
43 years$524$317$184$104$57$28
44 years$506$302$173$96$52$25
45 years$489$288$162$89$47$22
46 years$473$275$153$82$43$20
47 years$458$262$143$76$39$18
48 years$443$250$135$70$35$16
49 years$429$239$127$65$32$14
50 years$416$228$119$60$29$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $426,000, adding $5,569 every year, while hoping to spend $40,701 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: 48/40/12 Blend
34$426,000$426,000$426,000$426,000
35$475,196$452,618$446,015$496,176
36$480,361$431,491$417,651$490,086
37$484,688$407,965$386,973$478,797
38$488,049$381,878$353,860$465,625
39$490,302$353,062$318,186$450,406
40$491,288$321,337$279,820$432,966
41$490,830$286,512$238,624$413,114
42$488,732$248,389$194,456$390,646
43$484,777$206,754$147,164$365,338
44$478,723$161,385$96,594$336,950
45$470,304$112,044$42,581$305,222
46$459,223$58,482$0$269,870
47$445,151$435$0$232,517
48$427,726$0$0$196,845
49$406,544$0$0$184,517
50$381,159$0$0$170,128
51$351,080$0$0$153,225
52$315,760$0$0$133,520
53$274,598$0$0$110,691
54$226,925$0$0$84,385
55$172,006$0$0$54,212
56$109,026$0$0$19,740
57$37,086$0$0$0
58$0$0$0$0
59$0$0$0$0
60$0$0$0$0
61$0$0$0$0
62$0$0$0$0
63$0$0$0$0
64$0$0$0$0
65$0$0$0$0
66$0$0$0$0
67$0$0$0$0
68$0$0$0$0
69$0$0$0$0
70$0$0$0$0
71$0$0$0$0
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0