Can I retire at age 35 with 431,000?

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 $431,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$35,592$35,275$34,965$34,663$34,369$33,897
2 years$17,620$17,291$16,973$16,665$16,366$15,892
3 years$11,630$11,300$10,983$10,677$10,383$9,921
4 years$8,635$8,307$7,993$7,693$7,405$6,959
5 years$6,839$6,513$6,203$5,909$5,629$5,200
6 years$5,642$5,318$5,013$4,725$4,454$4,042
7 years$4,787$4,466$4,166$3,885$3,623$3,228
8 years$4,147$3,828$3,533$3,259$3,005$2,628
9 years$3,649$3,333$3,043$2,776$2,531$2,171
10 years$3,250$2,938$2,653$2,393$2,156$1,814
11 years$2,925$2,616$2,335$2,082$1,855$1,529
12 years$2,654$2,348$2,073$1,827$1,607$1,297
13 years$2,424$2,122$1,852$1,613$1,401$1,108
14 years$2,228$1,928$1,664$1,431$1,229$950
15 years$2,058$1,762$1,502$1,277$1,082$818
16 years$1,909$1,616$1,362$1,143$956$707
17 years$1,779$1,489$1,239$1,027$848$613
18 years$1,662$1,375$1,131$926$754$533
19 years$1,558$1,275$1,036$836$672$464
20 years$1,465$1,185$951$757$600$404
21 years$1,380$1,103$874$687$537$353
22 years$1,304$1,030$806$625$481$309
23 years$1,234$963$744$569$432$270
24 years$1,170$903$688$519$388$237
25 years$1,111$847$637$474$349$208
26 years$1,057$796$591$434$315$183
27 years$1,007$749$549$397$284$160
28 years$961$706$510$364$256$141
29 years$917$666$475$333$231$124
30 years$877$629$442$306$209$109
31 years$840$595$412$281$189$96
32 years$805$563$385$258$171$84
33 years$772$533$359$238$155$74
34 years$741$505$336$219$140$66
35 years$712$479$314$201$127$58
36 years$685$455$294$185$115$51
37 years$659$432$275$171$104$45
38 years$634$410$257$157$94$40
39 years$611$390$241$145$86$35
40 years$589$371$226$134$78$31
41 years$568$353$212$123$70$27
42 years$549$337$199$114$64$24
43 years$530$321$186$105$58$21
44 years$512$306$175$97$53$19
45 years$495$291$164$90$48$16
46 years$479$278$154$83$43$14
47 years$463$265$145$77$39$13
48 years$449$253$136$71$36$11
49 years$434$242$128$65$33$10
50 years$421$231$120$60$30$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $431,000, adding $2,798 every year, while hoping to spend $32,047 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: 60/14/26 Blend
34$431,000$431,000$431,000$431,000
35$477,848$455,005$448,325$503,023
36$492,491$443,203$429,246$508,684
37$507,553$429,748$408,454$511,163
38$523,044$414,526$385,857$513,183
39$538,972$397,415$361,361$514,707
40$555,345$378,287$334,865$515,695
41$572,173$357,005$306,266$516,104
42$589,463$333,427$275,454$515,891
43$607,223$307,400$242,316$515,006
44$625,460$278,763$206,734$513,400
45$644,181$247,346$168,583$511,018
46$663,391$212,969$127,735$507,804
47$683,096$175,444$84,053$503,697
48$703,300$134,569$37,397$498,632
49$724,007$90,133$0$492,541
50$745,218$41,912$0$488,790
51$766,935$0$0$495,159
52$789,156$0$0$502,815
53$811,880$0$0$517,243
54$835,102$0$0$531,980
55$858,816$0$0$547,024
56$883,012$0$0$562,366
57$907,679$0$0$577,999
58$932,801$0$0$593,913
59$958,362$0$0$610,093
60$984,337$0$0$626,526
61$1,010,701$0$0$643,192
62$1,037,422$0$0$660,069
63$1,064,463$0$0$677,134
64$1,091,781$0$0$694,355
65$1,119,325$0$0$711,700
66$1,147,039$0$0$729,130
67$1,174,856$0$0$746,600
68$1,202,701$0$0$764,060
69$1,230,488$0$0$781,451
70$1,258,122$0$0$798,709
71$1,285,490$0$0$815,761
72$1,312,470$0$0$832,522
73$1,338,921$0$0$848,901
74$1,364,687$0$0$864,790
75$1,389,590$0$0$880,074
76$1,413,434$0$0$894,619
77$1,435,995$0$0$908,279
78$1,457,027$0$0$920,888
79$1,476,253$0$0$932,261
80$1,493,365$0$0$942,194
81$1,508,017$0$0$950,458
82$1,519,828$0$0$956,798
83$1,528,370$0$0$960,931
84$1,533,169$0$0$962,541
85$1,533,698$0$0$961,278
86$1,529,372$0$0$956,754
87$1,519,540$0$0$948,538
88$1,503,482$0$0$936,150
89$1,480,398$0$0$919,062
90$1,449,402$0$0$896,684
91$1,409,511$0$0$868,366
92$1,359,637$0$0$833,386
93$1,298,577$0$0$790,946
94$1,224,997$0$0$740,163
95$1,137,421$0$0$680,060
96$1,034,219$0$0$609,554
97$913,584$0$0$527,450
98$773,521$0$0$432,428
99$611,825$0$0$323,025
100$426,057$0$0$197,627