Can I retire at age 35 with 437,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $437,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$36,087$35,766$35,452$35,146$34,847$34,143
2 years$17,865$17,532$17,210$16,897$16,594$15,888
3 years$11,792$11,457$11,136$10,826$10,528$9,842
4 years$8,756$8,422$8,104$7,800$7,509$6,848
5 years$6,934$6,603$6,289$5,991$5,708$5,074
6 years$5,721$5,392$5,082$4,791$4,516$3,910
7 years$4,854$4,528$4,224$3,939$3,673$3,095
8 years$4,204$3,882$3,582$3,304$3,047$2,496
9 years$3,699$3,380$3,085$2,814$2,566$2,043
10 years$3,296$2,979$2,690$2,426$2,186$1,690
11 years$2,966$2,652$2,368$2,111$1,880$1,410
12 years$2,691$2,380$2,101$1,852$1,630$1,185
13 years$2,458$2,151$1,878$1,635$1,421$1,001
14 years$2,259$1,955$1,687$1,451$1,246$849
15 years$2,087$1,786$1,523$1,294$1,097$724
16 years$1,936$1,639$1,381$1,159$969$618
17 years$1,803$1,509$1,257$1,041$859$530
18 years$1,685$1,395$1,147$938$764$455
19 years$1,580$1,293$1,050$848$681$391
20 years$1,485$1,201$964$768$608$337
21 years$1,400$1,119$886$697$544$291
22 years$1,322$1,044$817$634$488$251
23 years$1,251$977$754$577$438$217
24 years$1,186$915$698$526$394$188
25 years$1,127$859$646$481$354$163
26 years$1,072$807$599$440$319$141
27 years$1,021$760$556$402$288$123
28 years$974$716$517$369$260$106
29 years$930$675$481$338$234$92
30 years$890$638$448$310$212$80
31 years$852$603$418$285$192$70
32 years$816$570$390$262$173$60
33 years$783$540$364$241$157$53
34 years$751$512$340$222$142$46
35 years$722$486$318$204$129$40
36 years$694$461$298$188$116$35
37 years$668$438$279$173$106$30
38 years$643$416$261$160$96$26
39 years$620$396$244$147$87$23
40 years$597$376$229$136$79$20
41 years$576$358$215$125$71$17
42 years$556$341$201$116$65$15
43 years$537$325$189$107$59$13
44 years$519$310$177$98$53$11
45 years$502$296$167$91$48$10
46 years$485$282$157$84$44$9
47 years$470$269$147$78$40$7
48 years$455$257$138$72$36$6
49 years$440$245$130$66$33$6
50 years$427$234$122$61$30$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $437,000, adding $5,509 every year, while hoping to spend $38,951 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: 60/34/6 Blend
34$437,000$437,000$437,000$437,000
35$487,257$464,096$457,322$515,603
36$495,513$445,393$431,199$516,536
37$503,306$424,468$402,895$512,575
38$510,548$401,171$372,296$507,264
39$517,139$375,344$339,284$500,475
40$522,970$346,818$303,732$492,066
41$527,918$315,417$265,512$481,886
42$531,846$280,953$224,487$469,768
43$534,602$243,227$180,515$455,534
44$536,017$202,031$133,448$438,988
45$535,903$157,143$83,131$419,917
46$534,052$108,330$29,403$398,089
47$530,232$55,345$0$373,254
48$524,186$0$0$346,927
49$515,630$0$0$319,921
50$504,247$0$0$311,732
51$489,687$0$0$301,423
52$471,564$0$0$288,735
53$449,448$0$0$273,386
54$422,864$0$0$255,059
55$391,287$0$0$233,408
56$354,136$0$0$208,046
57$310,768$0$0$178,549
58$260,473$0$0$144,445
59$202,465$0$0$105,215
60$135,875$0$0$60,284
61$59,746$0$0$9,016
62$0$0$0$0
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