Can I retire at age 35 with 443,000?

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 $443,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.2%
1 years$36,583$36,257$35,939$35,628$35,325$34,855
2 years$18,110$17,773$17,446$17,129$16,822$16,349
3 years$11,954$11,615$11,289$10,975$10,672$10,211
4 years$8,876$8,538$8,215$7,907$7,612$7,166
5 years$7,030$6,694$6,375$6,073$5,786$5,357
6 years$5,799$5,466$5,152$4,857$4,578$4,167
7 years$4,921$4,590$4,282$3,993$3,723$3,329
8 years$4,262$3,935$3,631$3,350$3,089$2,712
9 years$3,750$3,426$3,127$2,853$2,601$2,242
10 years$3,341$3,020$2,727$2,459$2,217$1,874
11 years$3,006$2,688$2,400$2,140$1,906$1,580
12 years$2,728$2,413$2,130$1,877$1,652$1,342
13 years$2,492$2,181$1,903$1,657$1,441$1,147
14 years$2,290$1,982$1,710$1,471$1,263$984
15 years$2,115$1,811$1,544$1,312$1,112$848
16 years$1,963$1,661$1,400$1,175$983$734
17 years$1,828$1,530$1,274$1,056$871$636
18 years$1,708$1,414$1,163$951$775$553
19 years$1,602$1,310$1,065$860$691$482
20 years$1,506$1,218$977$779$617$421
21 years$1,419$1,134$899$707$552$368
22 years$1,340$1,059$828$642$495$322
23 years$1,268$990$765$585$444$282
24 years$1,203$928$707$534$399$247
25 years$1,142$871$655$487$359$217
26 years$1,086$818$608$446$324$191
27 years$1,035$770$564$408$292$168
28 years$987$726$524$374$263$148
29 years$943$685$488$343$238$130
30 years$902$646$455$315$215$114
31 years$863$611$424$289$194$101
32 years$827$578$395$265$176$89
33 years$793$548$369$244$159$78
34 years$762$519$345$225$144$69
35 years$732$492$323$207$130$61
36 years$704$467$302$190$118$54
37 years$677$444$282$175$107$47
38 years$652$422$264$162$97$42
39 years$628$401$248$149$88$37
40 years$606$382$232$138$80$33
41 years$584$363$218$127$72$29
42 years$564$346$204$117$66$25
43 years$545$330$192$108$60$22
44 years$526$314$180$100$54$20
45 years$509$300$169$92$49$17
46 years$492$286$159$85$45$15
47 years$476$273$149$79$41$14
48 years$461$260$140$73$37$12
49 years$446$249$132$67$33$11
50 years$433$237$124$62$30$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $443,000, adding $2,476 every year, while hoping to spend $32,977 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: 44/40/16 Blend
34$443,000$443,000$443,000$443,000
35$490,740$467,261$460,394$509,965
36$505,708$455,070$440,730$511,485
37$521,098$441,175$419,302$509,651
38$536,917$425,460$396,016$506,956
39$553,174$407,799$370,774$503,336
40$569,877$388,060$343,474$498,723
41$587,031$366,102$314,007$493,042
42$604,645$341,778$282,263$486,217
43$622,724$314,930$248,124$478,165
44$641,274$285,394$211,468$468,801
45$660,299$252,993$172,168$458,031
46$679,804$217,544$130,090$445,758
47$699,791$178,851$85,095$431,879
48$720,263$136,708$37,039$416,284
49$741,219$90,896$0$398,856
50$762,658$41,184$0$381,905
51$784,578$0$0$369,773
52$806,974$0$0$361,598
53$829,838$0$0$371,750
54$853,163$0$0$382,095
55$876,935$0$0$392,626
56$901,139$0$0$403,336
57$925,757$0$0$414,214
58$950,766$0$0$425,249
59$976,139$0$0$436,425
60$1,001,845$0$0$447,728
61$1,027,847$0$0$459,137
62$1,054,100$0$0$470,630
63$1,080,556$0$0$482,183
64$1,107,157$0$0$493,766
65$1,133,837$0$0$505,346
66$1,160,522$0$0$516,886
67$1,187,127$0$0$528,342
68$1,213,554$0$0$539,667
69$1,239,695$0$0$550,806
70$1,265,426$0$0$561,699
71$1,290,610$0$0$572,275
72$1,315,090$0$0$582,459
73$1,338,691$0$0$592,164
74$1,361,218$0$0$601,294
75$1,382,451$0$0$609,739
76$1,402,145$0$0$617,379
77$1,420,026$0$0$624,081
78$1,435,789$0$0$629,694
79$1,449,094$0$0$634,051
80$1,459,562$0$0$636,966
81$1,466,771$0$0$638,233
82$1,470,254$0$0$637,623
83$1,469,488$0$0$634,881
84$1,463,897$0$0$629,724
85$1,452,837$0$0$621,838
86$1,435,598$0$0$610,877
87$1,411,389$0$0$596,454
88$1,379,335$0$0$578,143
89$1,338,468$0$0$555,471
90$1,287,713$0$0$527,915
91$1,225,882$0$0$494,896
92$1,151,659$0$0$455,772
93$1,063,588$0$0$409,835
94$960,060$0$0$356,301
95$839,294$0$0$294,304
96$699,320$0$0$222,885
97$537,963$0$0$140,986
98$352,819$0$0$47,437
99$141,229$0$0$0
100$0$0$0$0