Can I retire at age 35 with 441,000?

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 $441,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.3%
1 years$36,417$36,093$35,776$35,468$35,166$34,541
2 years$18,028$17,693$17,367$17,052$16,746$16,118
3 years$11,900$11,562$11,238$10,925$10,624$10,013
4 years$8,836$8,500$8,178$7,871$7,577$6,988
5 years$6,998$6,664$6,347$6,046$5,760$5,194
6 years$5,773$5,441$5,129$4,835$4,558$4,016
7 years$4,899$4,570$4,262$3,975$3,707$3,189
8 years$4,243$3,917$3,615$3,334$3,075$2,582
9 years$3,733$3,411$3,113$2,840$2,590$2,120
10 years$3,326$3,006$2,714$2,448$2,207$1,760
11 years$2,993$2,676$2,390$2,131$1,898$1,474
12 years$2,715$2,402$2,121$1,869$1,644$1,243
13 years$2,481$2,171$1,895$1,650$1,434$1,055
14 years$2,280$1,973$1,702$1,465$1,257$899
15 years$2,106$1,803$1,537$1,306$1,107$769
16 years$1,954$1,654$1,394$1,170$978$660
17 years$1,820$1,523$1,268$1,051$867$568
18 years$1,701$1,407$1,158$947$771$490
19 years$1,594$1,304$1,060$856$687$423
20 years$1,499$1,212$973$775$614$366
21 years$1,412$1,129$895$703$549$318
22 years$1,334$1,054$824$640$493$276
23 years$1,263$986$761$582$442$239
24 years$1,197$924$704$531$397$208
25 years$1,137$867$652$485$358$181
26 years$1,082$815$605$444$322$158
27 years$1,030$767$562$406$290$138
28 years$983$722$522$372$262$120
29 years$939$681$486$341$237$105
30 years$898$644$453$313$214$91
31 years$859$608$422$288$193$80
32 years$823$576$394$264$175$70
33 years$790$545$368$243$158$61
34 years$758$517$343$224$143$53
35 years$728$490$321$206$130$46
36 years$700$465$300$190$118$41
37 years$674$442$281$175$107$35
38 years$649$420$263$161$97$31
39 years$625$399$247$148$88$27
40 years$603$380$231$137$79$24
41 years$582$362$217$126$72$21
42 years$561$344$203$117$65$18
43 years$542$328$191$108$59$16
44 years$524$313$179$99$54$14
45 years$507$298$168$92$49$12
46 years$490$284$158$85$44$11
47 years$474$271$148$78$40$9
48 years$459$259$139$72$37$8
49 years$444$247$131$67$33$7
50 years$431$236$123$62$30$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $441,000, adding $6,009 every year, while hoping to spend $32,753 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: 58/21/21 Blend
34$441,000$441,000$441,000$441,000
35$492,180$468,807$461,972$517,645
36$507,534$456,930$442,599$523,777
37$523,355$443,373$421,479$526,404
38$539,659$428,019$398,520$528,545
39$556,457$410,745$373,623$530,163
40$573,764$391,420$346,688$531,214
41$591,593$369,905$317,607$531,653
42$609,959$346,054$286,271$531,435
43$628,877$319,712$252,562$530,509
44$648,359$290,715$216,361$528,821
45$668,423$258,891$177,539$526,316
46$689,081$224,056$135,966$522,934
47$710,350$186,017$91,504$518,614
48$732,244$144,570$44,007$513,287
49$754,779$99,500$0$506,884
50$777,969$50,578$0$500,828
51$801,830$0$0$504,162
52$826,377$0$0$507,533
53$851,625$0$0$523,020
54$877,588$0$0$538,943
55$904,281$0$0$555,312
56$931,718$0$0$572,135
57$959,912$0$0$589,419
58$988,877$0$0$607,172
59$1,018,624$0$0$625,401
60$1,049,165$0$0$644,113
61$1,080,510$0$0$663,314
62$1,112,669$0$0$683,009
63$1,145,650$0$0$703,202
64$1,179,458$0$0$723,896
65$1,214,099$0$0$745,093
66$1,249,575$0$0$766,794
67$1,285,886$0$0$788,998
68$1,323,030$0$0$811,703
69$1,361,001$0$0$834,904
70$1,399,790$0$0$858,594
71$1,439,384$0$0$882,764
72$1,479,767$0$0$907,402
73$1,520,916$0$0$932,493
74$1,562,804$0$0$958,018
75$1,605,398$0$0$983,955
76$1,648,656$0$0$1,010,277
77$1,692,531$0$0$1,036,950
78$1,736,967$0$0$1,063,939
79$1,781,896$0$0$1,091,199
80$1,827,243$0$0$1,118,679
81$1,872,918$0$0$1,146,323
82$1,918,820$0$0$1,174,062
83$1,964,832$0$0$1,201,822
84$2,010,822$0$0$1,229,515
85$2,056,638$0$0$1,257,043
86$2,102,110$0$0$1,284,297
87$2,147,044$0$0$1,311,149
88$2,191,223$0$0$1,337,461
89$2,234,402$0$0$1,363,071
90$2,276,304$0$0$1,387,804
91$2,316,622$0$0$1,411,459
92$2,355,008$0$0$1,433,813
93$2,391,075$0$0$1,454,616
94$2,424,391$0$0$1,473,590
95$2,454,471$0$0$1,490,423
96$2,480,778$0$0$1,504,768
97$2,502,711$0$0$1,516,240
98$2,519,600$0$0$1,524,408
99$2,530,704$0$0$1,528,796
100$2,535,194$0$0$1,528,871