Can I retire at age 35 with 427,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $427,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$35,261$34,947$34,641$34,342$34,050$33,389
2 years$17,456$17,131$16,816$16,510$16,214$15,552
3 years$11,522$11,195$10,881$10,578$10,287$9,643
4 years$8,555$8,230$7,919$7,621$7,337$6,716
5 years$6,776$6,452$6,145$5,854$5,577$4,982
6 years$5,590$5,269$4,966$4,681$4,413$3,843
7 years$4,743$4,425$4,127$3,849$3,589$3,045
8 years$4,108$3,793$3,500$3,229$2,977$2,459
9 years$3,615$3,302$3,015$2,750$2,507$2,015
10 years$3,220$2,911$2,628$2,371$2,136$1,669
11 years$2,898$2,591$2,314$2,063$1,837$1,394
12 years$2,629$2,326$2,053$1,810$1,592$1,173
13 years$2,402$2,102$1,835$1,598$1,388$992
14 years$2,207$1,911$1,648$1,418$1,217$843
15 years$2,039$1,745$1,488$1,265$1,072$719
16 years$1,892$1,601$1,349$1,132$947$615
17 years$1,762$1,475$1,228$1,018$840$528
18 years$1,647$1,363$1,121$917$747$454
19 years$1,544$1,263$1,026$829$666$391
20 years$1,451$1,174$942$750$594$338
21 years$1,368$1,093$866$681$532$292
22 years$1,292$1,020$798$619$477$253
23 years$1,222$954$737$564$428$219
24 years$1,159$894$682$514$385$190
25 years$1,101$839$631$470$346$164
26 years$1,047$789$586$430$312$143
27 years$998$742$544$393$281$124
28 years$952$699$505$360$254$108
29 years$909$660$470$330$229$94
30 years$869$623$438$303$207$82
31 years$832$589$408$278$187$71
32 years$797$557$381$256$169$62
33 years$765$528$356$235$153$54
34 years$734$500$332$216$139$47
35 years$705$474$311$199$126$41
36 years$678$450$291$184$114$35
37 years$653$428$272$169$103$31
38 years$628$407$255$156$94$27
39 years$605$387$239$144$85$23
40 years$584$368$224$133$77$20
41 years$563$350$210$122$70$18
42 years$544$333$197$113$63$16
43 years$525$318$185$104$57$14
44 years$507$303$173$96$52$12
45 years$490$289$163$89$47$10
46 years$474$275$153$82$43$9
47 years$459$263$144$76$39$8
48 years$444$251$135$70$35$7
49 years$430$240$127$65$32$6
50 years$417$229$119$60$29$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $427,000, adding $6,655 every year, while hoping to spend $24,834 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: 58/37/5 Blend
34$427,000$427,000$427,000$427,000
35$477,419$454,788$448,169$504,281
36$499,692$450,649$436,760$518,950
37$523,405$445,475$424,136$531,511
38$548,679$439,190$410,230$544,575
39$575,644$431,710$394,973$558,189
40$604,447$422,951$378,292$572,408
41$635,245$412,820$360,109$587,296
42$668,212$401,221$340,345$602,921
43$703,540$388,051$318,917$619,361
44$741,437$373,201$295,736$636,704
45$782,133$356,557$270,713$655,046
46$825,879$337,997$243,751$674,497
47$872,953$317,393$214,750$695,179
48$923,657$294,609$183,608$717,227
49$978,326$269,500$150,214$740,793
50$1,037,325$241,916$114,456$766,047
51$1,101,058$211,695$76,215$793,178
52$1,169,965$178,667$35,368$822,396
53$1,244,534$142,655$0$853,935
54$1,325,299$103,467$0$888,497
55$1,412,847$60,905$0$927,974
56$1,507,825$14,756$0$970,810
57$1,610,943$0$0$1,017,371
58$1,722,982$0$0$1,082,398
59$1,844,803$0$0$1,159,667
60$1,977,351$0$0$1,243,773
61$2,121,667$0$0$1,335,382
62$2,278,895$0$0$1,435,224
63$2,450,297$0$0$1,544,104
64$2,637,259$0$0$1,662,909
65$2,841,307$0$0$1,792,613
66$3,064,123$0$0$1,934,289
67$3,307,555$0$0$2,089,120
68$3,573,640$0$0$2,258,405
69$3,864,620$0$0$2,443,578
70$4,182,964$0$0$2,646,215
71$4,531,390$0$0$2,868,053
72$4,912,892$0$0$3,111,004
73$5,330,764$0$0$3,377,174
74$5,788,637$0$0$3,668,881
75$6,290,508$0$0$3,988,682
76$6,840,780$0$0$4,339,387
77$7,444,302$0$0$4,724,095
78$8,106,415$0$0$5,146,220
79$8,833,001$0$0$5,609,520
80$9,630,541$0$0$6,118,136
81$10,506,172$0$0$6,676,629
82$11,467,757$0$0$7,290,023
83$12,523,956$0$0$7,963,853
84$13,684,313$0$0$8,704,216
85$14,959,338$0$0$9,517,830
86$16,360,611$0$0$10,412,095
87$17,900,889$0$0$11,395,163
88$19,594,228$0$0$12,476,017
89$21,456,113$0$0$13,664,552
90$23,503,602$0$0$14,971,672
91$25,755,493$0$0$16,409,387
92$28,232,494$0$0$17,990,934
93$30,957,423$0$0$19,730,893
94$33,955,418$0$0$21,645,333
95$37,254,180$0$0$23,751,955
96$40,884,228$0$0$26,070,264
97$44,879,189$0$0$28,621,752
98$49,276,116$0$0$31,430,101
99$54,115,837$0$0$34,521,402
100$59,443,336$0$0$37,924,407