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%11.1%
1 years$35,179$34,865$34,560$34,261$33,970$33,812
2 years$17,415$17,091$16,777$16,472$16,176$16,017
3 years$11,495$11,169$10,856$10,554$10,263$10,107
4 years$8,535$8,210$7,900$7,603$7,320$7,169
5 years$6,760$6,437$6,131$5,840$5,564$5,418
6 years$5,577$5,256$4,955$4,670$4,403$4,262
7 years$4,732$4,414$4,117$3,840$3,581$3,446
8 years$4,099$3,784$3,492$3,221$2,970$2,841
9 years$3,606$3,295$3,007$2,744$2,502$2,377
10 years$3,213$2,904$2,622$2,365$2,131$2,012
11 years$2,891$2,585$2,308$2,058$1,833$1,719
12 years$2,623$2,320$2,049$1,805$1,589$1,480
13 years$2,396$2,097$1,830$1,594$1,385$1,281
14 years$2,202$1,906$1,645$1,415$1,214$1,115
15 years$2,034$1,741$1,485$1,262$1,069$975
16 years$1,887$1,598$1,346$1,130$945$855
17 years$1,758$1,471$1,225$1,015$838$753
18 years$1,643$1,360$1,118$915$745$664
19 years$1,540$1,260$1,024$827$664$587
20 years$1,448$1,171$939$749$593$521
21 years$1,364$1,091$864$679$531$462
22 years$1,289$1,018$796$618$476$411
23 years$1,220$952$735$563$427$366
24 years$1,156$892$680$513$384$326
25 years$1,098$837$630$469$345$291
26 years$1,045$787$584$429$311$260
27 years$995$740$542$392$281$232
28 years$949$698$504$359$253$208
29 years$907$658$469$330$229$186
30 years$867$622$437$302$207$167
31 years$830$588$408$278$187$149
32 years$795$556$380$255$169$134
33 years$763$527$355$235$153$120
34 years$732$499$332$216$138$108
35 years$704$473$310$199$125$97
36 years$677$449$290$183$114$87
37 years$651$427$272$169$103$78
38 years$627$406$254$156$93$70
39 years$604$386$238$143$85$63
40 years$582$367$223$132$77$57
41 years$562$349$209$122$70$51
42 years$542$333$196$113$63$46
43 years$524$317$184$104$57$41
44 years$506$302$173$96$52$37
45 years$489$288$162$89$47$33
46 years$473$275$153$82$43$30
47 years$458$262$143$76$39$27
48 years$443$250$135$70$35$24
49 years$429$239$127$65$32$22
50 years$416$228$119$60$29$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $426,000, adding $3,203 every year, while hoping to spend $30,317 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: 80/12/8 Blend
34$426,000$426,000$426,000$426,000
35$472,756$450,178$443,575$509,827
36$488,720$439,980$426,178$524,385
37$505,296$428,265$407,181$536,045
38$522,515$414,929$386,501$547,931
39$540,409$399,858$364,046$560,050
40$559,014$382,934$339,724$572,411
41$578,365$364,030$313,437$585,022
42$598,504$343,013$285,083$597,893
43$619,473$319,742$254,555$611,037
44$641,319$294,069$221,742$624,465
45$664,090$265,835$186,527$638,192
46$687,841$234,875$148,789$652,234
47$712,629$201,012$108,402$666,610
48$738,516$164,060$65,232$681,341
49$765,569$123,824$19,142$696,448
50$793,862$80,095$0$711,959
51$823,471$32,656$0$730,467
52$854,482$0$0$751,351
53$886,988$0$0$775,498
54$921,088$0$0$805,357
55$956,890$0$0$836,710
56$994,513$0$0$869,661
57$1,034,083$0$0$904,322
58$1,075,741$0$0$940,817
59$1,119,638$0$0$979,278
60$1,165,938$0$0$1,019,851
61$1,214,822$0$0$1,062,694
62$1,266,486$0$0$1,107,980
63$1,321,144$0$0$1,155,897
64$1,379,030$0$0$1,206,651
65$1,440,398$0$0$1,260,467
66$1,505,529$0$0$1,317,590
67$1,574,726$0$0$1,378,289
68$1,648,324$0$0$1,442,859
69$1,726,687$0$0$1,511,619
70$1,810,216$0$0$1,584,924
71$1,899,349$0$0$1,663,157
72$1,994,564$0$0$1,746,743
73$2,096,388$0$0$1,836,143
74$2,205,397$0$0$1,931,867
75$2,322,222$0$0$2,034,469
76$2,447,558$0$0$2,144,562
77$2,582,166$0$0$2,262,816
78$2,726,879$0$0$2,389,966
79$2,882,615$0$0$2,526,820
80$3,050,380$0$0$2,674,266
81$3,231,280$0$0$2,833,276
82$3,426,529$0$0$3,004,922
83$3,637,462$0$0$3,190,380
84$3,865,545$0$0$3,390,941
85$4,112,391$0$0$3,608,027
86$4,379,769$0$0$3,843,198
87$4,669,630$0$0$4,098,172
88$4,984,115$0$0$4,374,837
89$5,325,581$0$0$4,675,269
90$5,696,617$0$0$5,001,753
91$6,100,077$0$0$5,356,800
92$6,539,095$0$0$5,743,176
93$7,017,122$0$0$6,163,922
94$7,537,956$0$0$6,622,384
95$8,105,775$0$0$7,122,246
96$8,725,178$0$0$7,667,562
97$9,401,228$0$0$8,262,794
98$10,139,496$0$0$8,912,854
99$10,946,118$0$0$9,623,149
100$11,827,845$0$0$10,399,630