Can I retire at age 35 with 432,000?

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 $432,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$35,674$35,356$35,046$34,744$34,448$34,188
2 years$17,660$17,332$17,013$16,704$16,404$16,142
3 years$11,657$11,326$11,008$10,702$10,407$10,151
4 years$8,655$8,326$8,011$7,710$7,423$7,174
5 years$6,855$6,528$6,217$5,922$5,643$5,403
6 years$5,655$5,330$5,024$4,736$4,465$4,234
7 years$4,799$4,476$4,175$3,894$3,631$3,410
8 years$4,156$3,837$3,541$3,266$3,012$2,800
9 years$3,657$3,341$3,050$2,782$2,537$2,333
10 years$3,258$2,945$2,659$2,398$2,161$1,967
11 years$2,932$2,622$2,341$2,087$1,859$1,673
12 years$2,660$2,353$2,077$1,831$1,611$1,434
13 years$2,430$2,126$1,856$1,616$1,405$1,236
14 years$2,233$1,933$1,668$1,435$1,231$1,071
15 years$2,063$1,766$1,506$1,280$1,084$932
16 years$1,914$1,620$1,365$1,146$958$814
17 years$1,783$1,492$1,242$1,029$850$713
18 years$1,666$1,379$1,134$928$755$626
19 years$1,562$1,278$1,038$838$673$551
20 years$1,468$1,187$953$759$601$486
21 years$1,384$1,106$876$689$538$429
22 years$1,307$1,032$808$627$482$379
23 years$1,237$966$746$571$433$336
24 years$1,173$905$690$520$389$298
25 years$1,114$849$639$475$350$264
26 years$1,059$798$592$435$316$235
27 years$1,009$751$550$398$284$209
28 years$963$708$511$364$257$186
29 years$920$668$476$334$232$165
30 years$879$630$443$307$209$147
31 years$842$596$413$282$189$131
32 years$807$564$386$259$171$117
33 years$774$534$360$238$155$104
34 years$743$506$336$219$140$93
35 years$714$480$315$202$127$83
36 years$686$456$294$186$115$74
37 years$660$433$275$171$104$66
38 years$636$411$258$158$95$59
39 years$613$391$242$145$86$53
40 years$591$372$226$134$78$47
41 years$570$354$212$124$71$42
42 years$550$337$199$114$64$38
43 years$531$321$187$105$58$34
44 years$513$306$175$97$53$30
45 years$496$292$165$90$48$27
46 years$480$279$155$83$44$24
47 years$464$266$145$77$40$21
48 years$450$254$137$71$36$19
49 years$435$242$128$66$33$17
50 years$422$232$121$61$30$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $432,000, adding $6,663 every year, while hoping to spend $29,242 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: 58/26/16 Blend
34$432,000$432,000$432,000$432,000
35$482,937$460,041$453,345$508,580
36$501,083$451,470$437,419$518,142
37$520,100$441,498$419,979$524,769
38$540,046$430,027$400,944$531,319
39$560,984$416,952$380,228$537,791
40$582,982$402,160$357,743$544,181
41$606,114$385,533$333,396$550,491
42$630,461$366,948$307,088$556,722
43$656,110$346,271$278,718$562,877
44$683,159$323,363$248,180$568,962
45$711,710$298,077$215,363$574,984
46$741,878$270,257$180,151$580,956
47$773,786$239,736$142,423$586,891
48$807,571$206,342$102,053$592,808
49$843,380$169,889$58,908$598,729
50$881,374$130,183$12,852$604,681
51$921,731$87,019$0$610,699
52$964,644$40,179$0$623,018
53$1,010,324$0$0$638,233
54$1,059,003$0$0$657,252
55$1,110,935$0$0$689,827
56$1,166,396$0$0$724,638
57$1,225,693$0$0$761,880
58$1,289,158$0$0$801,766
59$1,357,157$0$0$844,529
60$1,430,092$0$0$890,425
61$1,508,404$0$0$939,734
62$1,592,575$0$0$992,765
63$1,683,136$0$0$1,049,856
64$1,780,671$0$0$1,111,379
65$1,885,818$0$0$1,177,742
66$1,999,282$0$0$1,249,394
67$2,121,833$0$0$1,326,827
68$2,254,322$0$0$1,410,584
69$2,397,680$0$0$1,501,259
70$2,552,933$0$0$1,599,506
71$2,721,210$0$0$1,706,047
72$2,903,748$0$0$1,821,671
73$3,101,912$0$0$1,947,249
74$3,317,201$0$0$2,083,739
75$3,551,265$0$0$2,232,194
76$3,805,918$0$0$2,393,773
77$4,083,157$0$0$2,569,750
78$4,385,179$0$0$2,761,529
79$4,714,402$0$0$2,970,655
80$5,073,487$0$0$3,198,825
81$5,465,362$0$0$3,447,912
82$5,893,251$0$0$3,719,974
83$6,360,703$0$0$4,017,277
84$6,871,625$0$0$4,342,319
85$7,430,319$0$0$4,697,846
86$8,041,519$0$0$5,086,885
87$8,710,441$0$0$5,512,765
88$9,442,826$0$0$5,979,157
89$10,244,999$0$0$6,490,100
90$11,123,921$0$0$7,050,042
91$12,087,263$0$0$7,663,883
92$13,143,469$0$0$8,337,021
93$14,301,843$0$0$9,075,399
94$15,572,629$0$0$9,885,563
95$16,967,114$0$0$10,774,725
96$18,497,728$0$0$11,750,828
97$20,178,163$0$0$12,822,622
98$22,023,503$0$0$13,999,744
99$24,050,364$0$0$15,292,813
100$26,277,049$0$0$16,713,526