Can I retire at age 35 with 427,000?

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 $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%15.4%
1 years$35,261$34,947$34,641$34,342$34,050$33,294
2 years$17,456$17,131$16,816$16,510$16,214$15,457
3 years$11,522$11,195$10,881$10,578$10,287$9,552
4 years$8,555$8,230$7,919$7,621$7,337$6,629
5 years$6,776$6,452$6,145$5,854$5,577$4,899
6 years$5,590$5,269$4,966$4,681$4,413$3,765
7 years$4,743$4,425$4,127$3,849$3,589$2,972
8 years$4,108$3,793$3,500$3,229$2,977$2,390
9 years$3,615$3,302$3,015$2,750$2,507$1,950
10 years$3,220$2,911$2,628$2,371$2,136$1,608
11 years$2,898$2,591$2,314$2,063$1,837$1,337
12 years$2,629$2,326$2,053$1,810$1,592$1,120
13 years$2,402$2,102$1,835$1,598$1,388$943
14 years$2,207$1,911$1,648$1,418$1,217$798
15 years$2,039$1,745$1,488$1,265$1,072$677
16 years$1,892$1,601$1,349$1,132$947$577
17 years$1,762$1,475$1,228$1,018$840$492
18 years$1,647$1,363$1,121$917$747$421
19 years$1,544$1,263$1,026$829$666$361
20 years$1,451$1,174$942$750$594$310
21 years$1,368$1,093$866$681$532$266
22 years$1,292$1,020$798$619$477$229
23 years$1,222$954$737$564$428$198
24 years$1,159$894$682$514$385$170
25 years$1,101$839$631$470$346$147
26 years$1,047$789$586$430$312$127
27 years$998$742$544$393$281$110
28 years$952$699$505$360$254$95
29 years$909$660$470$330$229$82
30 years$869$623$438$303$207$71
31 years$832$589$408$278$187$61
32 years$797$557$381$256$169$53
33 years$765$528$356$235$153$46
34 years$734$500$332$216$139$40
35 years$705$474$311$199$126$34
36 years$678$450$291$184$114$30
37 years$653$428$272$169$103$26
38 years$628$407$255$156$94$22
39 years$605$387$239$144$85$19
40 years$584$368$224$133$77$17
41 years$563$350$210$122$70$14
42 years$544$333$197$113$63$13
43 years$525$318$185$104$57$11
44 years$507$303$173$96$52$9
45 years$490$289$163$89$47$8
46 years$474$275$153$82$43$7
47 years$459$263$144$76$39$6
48 years$444$251$135$70$35$5
49 years$430$240$127$65$32$5
50 years$417$229$119$60$29$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $427,000, adding $5,979 every year, while hoping to spend $22,373 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: 67/14/19 Blend
34$427,000$427,000$427,000$427,000
35$476,721$454,090$447,472$506,035
36$501,542$452,536$438,657$524,847
37$528,145$450,156$428,798$542,264
38$556,688$446,885$417,835$560,768
39$587,344$442,657$405,706$580,466
40$620,304$437,398$392,349$601,473
41$655,778$431,033$377,695$623,922
42$693,994$423,480$361,674$647,954
43$735,204$414,654$344,214$673,731
44$779,687$404,464$325,237$701,427
45$827,746$392,814$304,663$731,239
46$879,716$379,601$282,408$763,380
47$935,964$364,719$258,386$798,091
48$996,894$348,052$232,504$835,635
49$1,062,952$329,481$204,668$876,303
50$1,134,625$308,878$174,776$920,418
51$1,212,451$286,107$142,726$968,337
52$1,297,022$261,027$108,408$1,020,454
53$1,388,987$233,487$71,708$1,077,205
54$1,489,062$203,326$32,509$1,139,072
55$1,598,035$170,377$0$1,206,586
56$1,716,771$134,462$0$1,282,226
57$1,846,223$95,392$0$1,371,908
58$1,987,442$52,971$0$1,469,780
59$2,141,581$6,986$0$1,576,664
60$2,309,913$0$0$1,693,465
61$2,493,835$0$0$1,827,774
62$2,694,890$0$0$1,975,794
63$2,914,772$0$0$2,137,703
64$3,155,351$0$0$2,314,878
65$3,418,681$0$0$2,508,838
66$3,707,028$0$0$2,721,254
67$4,022,885$0$0$2,953,966
68$4,368,998$0$0$3,209,002
69$4,748,392$0$0$3,488,594
70$5,164,397$0$0$3,795,201
71$5,620,682$0$0$4,131,532
72$6,121,288$0$0$4,500,568
73$6,670,666$0$0$4,905,597
74$7,273,718$0$0$5,350,236
75$7,935,844$0$0$5,838,473
76$8,662,994$0$0$6,374,699
77$9,461,721$0$0$6,963,753
78$10,339,244$0$0$7,610,963
79$11,303,515$0$0$8,322,201
80$12,363,296$0$0$9,103,935
81$13,528,240$0$0$9,963,292
82$14,808,981$0$0$10,908,122
83$16,217,235$0$0$11,947,075
84$17,765,909$0$0$13,089,680
85$19,469,225$0$0$14,346,437
86$21,342,852$0$0$15,728,914
87$23,404,054$0$0$17,249,857
88$25,671,851$0$0$18,923,308
89$28,167,202$0$0$20,764,741
90$30,913,199$0$0$22,791,206
91$33,935,285$0$0$25,021,485
92$37,261,496$0$0$27,476,280
93$40,922,722$0$0$30,178,395
94$44,953,000$0$0$33,152,961
95$49,389,835$0$0$36,427,668
96$54,274,554$0$0$40,033,029
97$59,652,694$0$0$44,002,663
98$65,574,431$0$0$48,373,617
99$72,095,056$0$0$53,186,713
100$79,275,493$0$0$58,486,933