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%18.8%
1 years$36,004$35,684$35,371$35,065$34,767$33,534
2 years$17,824$17,492$17,170$16,858$16,556$15,326
3 years$11,765$11,431$11,110$10,801$10,504$9,317
4 years$8,736$8,403$8,085$7,782$7,491$6,356
5 years$6,919$6,588$6,275$5,977$5,695$4,614
6 years$5,708$5,380$5,071$4,780$4,506$3,481
7 years$4,843$4,518$4,214$3,930$3,665$2,694
8 years$4,195$3,873$3,574$3,297$3,040$2,124
9 years$3,691$3,372$3,078$2,808$2,560$1,698
10 years$3,288$2,972$2,684$2,421$2,181$1,371
11 years$2,959$2,646$2,363$2,107$1,876$1,115
12 years$2,684$2,375$2,097$1,848$1,626$913
13 years$2,453$2,146$1,873$1,631$1,418$752
14 years$2,254$1,951$1,683$1,448$1,243$621
15 years$2,082$1,782$1,520$1,291$1,094$515
16 years$1,932$1,635$1,378$1,156$967$428
17 years$1,799$1,506$1,254$1,039$858$356
18 years$1,681$1,391$1,144$936$762$297
19 years$1,576$1,290$1,048$846$680$248
20 years$1,482$1,198$962$766$607$208
21 years$1,396$1,116$884$695$543$174
22 years$1,319$1,042$815$632$487$146
23 years$1,248$974$753$576$437$122
24 years$1,184$913$696$525$393$103
25 years$1,124$857$645$480$354$86
26 years$1,069$805$598$439$318$72
27 years$1,019$758$555$401$287$61
28 years$972$714$516$368$259$51
29 years$928$674$480$337$234$43
30 years$888$636$447$310$211$36
31 years$850$601$417$284$191$30
32 years$814$569$389$261$173$26
33 years$781$539$363$240$156$21
34 years$750$511$340$221$142$18
35 years$720$484$317$203$128$15
36 years$692$460$297$187$116$13
37 years$666$437$278$173$105$11
38 years$642$415$260$159$96$9
39 years$618$395$244$147$87$8
40 years$596$376$229$135$79$6
41 years$575$357$214$125$71$5
42 years$555$340$201$115$65$5
43 years$536$324$189$106$59$4
44 years$518$309$177$98$53$3
45 years$501$295$166$91$48$3
46 years$484$281$156$84$44$2
47 years$469$268$147$77$40$2
48 years$454$256$138$72$36$2
49 years$439$245$130$66$33$1
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 $5,432 every year, while hoping to spend $38,265 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: 53/40/7 Blend
34$436,000$436,000$436,000$436,000
35$486,075$462,967$456,209$510,737
36$494,941$444,939$430,778$510,031
37$503,429$424,745$403,213$504,618
38$511,460$402,238$373,402$497,809
39$518,945$377,264$341,227$489,477
40$525,786$349,659$306,567$479,489
41$531,874$319,249$269,294$467,699
42$537,084$285,852$229,275$453,947
43$541,281$249,273$186,371$438,064
44$544,313$209,309$140,435$419,863
45$546,011$165,743$91,317$399,146
46$546,186$118,346$38,859$375,694
47$544,630$66,879$0$349,274
48$541,112$11,085$0$320,909
49$535,374$0$0$292,226
50$527,132$0$0$281,734
51$516,069$0$0$274,450
52$501,835$0$0$265,287
53$484,043$0$0$254,019
54$462,264$0$0$240,395
55$436,022$0$0$224,136
56$404,791$0$0$204,933
57$367,990$0$0$182,447
58$324,975$0$0$156,301
59$275,036$0$0$126,078
60$217,385$0$0$91,318
61$151,155$0$0$51,513
62$75,384$0$0$6,100
63$0$0$0$0
64$0$0$0$0
65$0$0$0$0
66$0$0$0$0
67$0$0$0$0
68$0$0$0$0
69$0$0$0$0
70$0$0$0$0
71$0$0$0$0
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0