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%16%
1 years$36,583$36,257$35,939$35,628$35,325$34,457
2 years$18,110$17,773$17,446$17,129$16,822$15,953
3 years$11,954$11,615$11,289$10,975$10,672$9,829
4 years$8,876$8,538$8,215$7,907$7,612$6,801
5 years$7,030$6,694$6,375$6,073$5,786$5,010
6 years$5,799$5,466$5,152$4,857$4,578$3,838
7 years$4,921$4,590$4,282$3,993$3,723$3,019
8 years$4,262$3,935$3,631$3,350$3,089$2,420
9 years$3,750$3,426$3,127$2,853$2,601$1,967
10 years$3,341$3,020$2,727$2,459$2,217$1,616
11 years$3,006$2,688$2,400$2,140$1,906$1,339
12 years$2,728$2,413$2,130$1,877$1,652$1,117
13 years$2,492$2,181$1,903$1,657$1,441$937
14 years$2,290$1,982$1,710$1,471$1,263$789
15 years$2,115$1,811$1,544$1,312$1,112$667
16 years$1,963$1,661$1,400$1,175$983$566
17 years$1,828$1,530$1,274$1,056$871$481
18 years$1,708$1,414$1,163$951$775$410
19 years$1,602$1,310$1,065$860$691$349
20 years$1,506$1,218$977$779$617$299
21 years$1,419$1,134$899$707$552$256
22 years$1,340$1,059$828$642$495$219
23 years$1,268$990$765$585$444$188
24 years$1,203$928$707$534$399$161
25 years$1,142$871$655$487$359$138
26 years$1,086$818$608$446$324$119
27 years$1,035$770$564$408$292$102
28 years$987$726$524$374$263$88
29 years$943$685$488$343$238$76
30 years$902$646$455$315$215$65
31 years$863$611$424$289$194$56
32 years$827$578$395$265$176$48
33 years$793$548$369$244$159$41
34 years$762$519$345$225$144$36
35 years$732$492$323$207$130$31
36 years$704$467$302$190$118$26
37 years$677$444$282$175$107$23
38 years$652$422$264$162$97$20
39 years$628$401$248$149$88$17
40 years$606$382$232$138$80$15
41 years$584$363$218$127$72$13
42 years$564$346$204$117$66$11
43 years$545$330$192$108$60$9
44 years$526$314$180$100$54$8
45 years$509$300$169$92$49$7
46 years$492$286$159$85$45$6
47 years$476$273$149$79$41$5
48 years$461$260$140$73$37$4
49 years$446$249$132$67$33$4
50 years$433$237$124$62$30$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $443,000, adding $6,568 every year, while hoping to spend $22,095 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: 44/50/6 Blend
34$443,000$443,000$443,000$443,000
35$494,961$471,482$464,615$515,616
36$521,938$471,076$456,671$530,153
37$550,926$469,909$447,720$543,095
38$582,107$467,921$437,705$556,605
39$615,681$465,048$426,567$570,743
40$651,867$461,221$414,243$585,575
41$690,905$456,369$400,668$601,177
42$733,060$450,414$385,774$617,632
43$778,623$443,275$369,488$635,034
44$827,914$434,867$351,737$653,488
45$881,283$425,097$332,442$673,113
46$939,116$413,870$311,521$694,039
47$1,001,839$401,082$288,890$716,414
48$1,069,918$386,627$264,460$740,402
49$1,143,867$370,388$238,136$766,185
50$1,224,250$352,246$209,823$793,969
51$1,311,689$332,072$179,417$823,982
52$1,406,868$309,730$146,814$856,476
53$1,510,539$285,077$111,902$891,735
54$1,623,529$257,961$74,567$930,074
55$1,746,750$228,222$34,686$971,843
56$1,881,205$195,691$0$1,017,432
57$2,027,997$160,190$0$1,067,778
58$2,188,342$121,528$0$1,125,261
59$2,363,577$79,507$0$1,188,202
60$2,555,174$33,915$0$1,257,206
61$2,764,756$0$0$1,332,940
62$2,994,107$0$0$1,424,659
63$3,245,193$0$0$1,545,552
64$3,520,179$0$0$1,678,006
65$3,821,449$0$0$1,823,176
66$4,151,628$0$0$1,982,336
67$4,513,608$0$0$2,156,885
68$4,910,573$0$0$2,348,368
69$5,346,030$0$0$2,558,483
70$5,823,843$0$0$2,789,104
71$6,348,268$0$0$3,042,292
72$6,923,991$0$0$3,320,319
73$7,556,177$0$0$3,625,688
74$8,250,512$0$0$3,961,156
75$9,013,263$0$0$4,329,759
76$9,851,332$0$0$4,734,843
77$10,772,324$0$0$5,180,095
78$11,784,617$0$0$5,669,575
79$12,897,438$0$0$6,207,756
80$14,120,958$0$0$6,799,569
81$15,466,378$0$0$7,450,443
82$16,946,040$0$0$8,166,362
83$18,573,545$0$0$8,953,917
84$20,363,873$0$0$9,820,373
85$22,333,534$0$0$10,773,732
86$24,500,715$0$0$11,822,811
87$26,885,457$0$0$12,977,326
88$29,509,841$0$0$14,247,982
89$32,398,198$0$0$15,646,575
90$35,577,335$0$0$17,186,101
91$39,076,792$0$0$18,880,882
92$42,929,116$0$0$20,746,697
93$47,170,171$0$0$22,800,933
94$51,839,476$0$0$25,062,751
95$56,980,576$0$0$27,553,263
96$62,641,453$0$0$30,295,731
97$68,874,977$0$0$33,315,790
98$75,739,411$0$0$36,641,687
99$83,298,951$0$0$40,304,547
100$91,624,338$0$0$44,338,669