Can I retire at age 35 with 436,000?

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 $436,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$36,004$35,684$35,371$35,065$34,767$33,574
2 years$17,824$17,492$17,170$16,858$16,556$15,366
3 years$11,765$11,431$11,110$10,801$10,504$9,354
4 years$8,736$8,403$8,085$7,782$7,491$6,391
5 years$6,919$6,588$6,275$5,977$5,695$4,647
6 years$5,708$5,380$5,071$4,780$4,506$3,511
7 years$4,843$4,518$4,214$3,930$3,665$2,723
8 years$4,195$3,873$3,574$3,297$3,040$2,151
9 years$3,691$3,372$3,078$2,808$2,560$1,722
10 years$3,288$2,972$2,684$2,421$2,181$1,393
11 years$2,959$2,646$2,363$2,107$1,876$1,136
12 years$2,684$2,375$2,097$1,848$1,626$932
13 years$2,453$2,146$1,873$1,631$1,418$768
14 years$2,254$1,951$1,683$1,448$1,243$636
15 years$2,082$1,782$1,520$1,291$1,094$528
16 years$1,932$1,635$1,378$1,156$967$440
17 years$1,799$1,506$1,254$1,039$858$367
18 years$1,681$1,391$1,144$936$762$307
19 years$1,576$1,290$1,048$846$680$257
20 years$1,482$1,198$962$766$607$216
21 years$1,396$1,116$884$695$543$181
22 years$1,319$1,042$815$632$487$152
23 years$1,248$974$753$576$437$128
24 years$1,184$913$696$525$393$107
25 years$1,124$857$645$480$354$90
26 years$1,069$805$598$439$318$76
27 years$1,019$758$555$401$287$64
28 years$972$714$516$368$259$54
29 years$928$674$480$337$234$46
30 years$888$636$447$310$211$38
31 years$850$601$417$284$191$32
32 years$814$569$389$261$173$27
33 years$781$539$363$240$156$23
34 years$750$511$340$221$142$19
35 years$720$484$317$203$128$16
36 years$692$460$297$187$116$14
37 years$666$437$278$173$105$12
38 years$642$415$260$159$96$10
39 years$618$395$244$147$87$8
40 years$596$376$229$135$79$7
41 years$575$357$214$125$71$6
42 years$555$340$201$115$65$5
43 years$536$324$189$106$59$4
44 years$518$309$177$98$53$4
45 years$501$295$166$91$48$3
46 years$484$281$156$84$44$3
47 years$469$268$147$77$40$2
48 years$454$256$138$72$36$2
49 years$439$245$130$66$33$2
50 years$426$234$122$61$30$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $436,000, adding $2,564 every year, while hoping to spend $24,840 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: 58/34/8 Blend
34$436,000$436,000$436,000$436,000
35$483,117$460,009$453,251$510,123
36$505,965$456,120$442,005$524,692
37$530,311$451,207$429,550$537,537
38$556,282$445,196$415,819$550,924
39$584,017$438,004$400,743$564,909
40$613,666$429,545$384,247$579,551
41$645,397$419,730$366,256$594,918
42$679,392$408,462$346,691$611,086
43$715,852$395,639$325,467$628,140
44$754,997$381,153$302,498$646,176
45$797,068$364,890$277,693$665,298
46$842,329$346,730$250,956$685,626
47$891,071$326,545$222,188$707,291
48$943,614$304,199$191,285$730,442
49$1,000,309$279,551$158,139$755,242
50$1,061,541$252,449$122,637$781,875
51$1,127,733$222,734$84,660$810,545
52$1,199,351$190,237$44,085$841,480
53$1,276,906$154,781$784$874,931
54$1,360,962$116,176$0$911,182
55$1,452,136$74,225$0$954,421
56$1,551,110$28,718$0$1,001,444
57$1,658,631$0$0$1,052,583
58$1,775,522$0$0$1,115,974
59$1,902,688$0$0$1,196,660
60$2,041,127$0$0$1,284,531
61$2,191,934$0$0$1,380,289
62$2,356,316$0$0$1,484,702
63$2,535,599$0$0$1,598,621
64$2,731,247$0$0$1,722,977
65$2,944,866$0$0$1,858,798
66$3,178,228$0$0$2,007,215
67$3,433,282$0$0$2,169,474
68$3,712,175$0$0$2,346,945
69$4,017,268$0$0$2,541,138
70$4,351,164$0$0$2,753,715
71$4,716,727$0$0$2,986,506
72$5,117,113$0$0$3,241,527
73$5,555,796$0$0$3,520,998
74$6,036,601$0$0$3,827,363
75$6,563,743$0$0$4,163,315
76$7,141,864$0$0$4,531,819
77$7,776,073$0$0$4,936,142
78$8,472,003$0$0$5,379,881
79$9,235,856$0$0$5,867,000
80$10,074,461$0$0$6,401,863
81$10,995,346$0$0$6,989,280
82$12,006,800$0$0$7,634,548
83$13,117,955$0$0$8,343,503
84$14,338,872$0$0$9,122,573
85$15,680,632$0$0$9,978,842
86$17,155,447$0$0$10,920,111
87$18,776,768$0$0$11,954,978
88$20,559,414$0$0$13,092,914
89$22,519,714$0$0$14,344,352
90$24,675,657$0$0$15,720,790
91$27,047,063$0$0$17,234,894
92$29,655,768$0$0$18,900,620
93$32,525,833$0$0$20,733,345
94$35,683,767$0$0$22,750,011
95$39,158,781$0$0$24,969,285
96$42,983,057$0$0$27,411,737
97$47,192,056$0$0$30,100,029
98$51,824,853$0$0$33,059,135
99$56,924,499$0$0$36,316,571
100$62,538,436$0$0$39,902,654