Can I retire at age 35 with 444,000?

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 $444,000?

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$36,665$36,339$36,020$35,709$35,405$34,149
2 years$18,151$17,813$17,485$17,168$16,860$15,607
3 years$11,980$11,641$11,314$11,000$10,696$9,488
4 years$8,896$8,557$8,234$7,925$7,629$6,472
5 years$7,046$6,709$6,390$6,087$5,799$4,699
6 years$5,812$5,478$5,164$4,868$4,589$3,545
7 years$4,932$4,601$4,291$4,002$3,732$2,744
8 years$4,272$3,944$3,639$3,357$3,096$2,163
9 years$3,759$3,434$3,135$2,860$2,607$1,729
10 years$3,348$3,027$2,733$2,465$2,222$1,396
11 years$3,013$2,694$2,406$2,145$1,911$1,136
12 years$2,734$2,418$2,135$1,882$1,656$930
13 years$2,498$2,186$1,908$1,661$1,444$765
14 years$2,295$1,987$1,714$1,475$1,266$632
15 years$2,120$1,815$1,548$1,315$1,114$524
16 years$1,967$1,665$1,403$1,178$985$435
17 years$1,832$1,533$1,277$1,058$873$363
18 years$1,712$1,417$1,165$954$776$303
19 years$1,605$1,313$1,067$862$692$253
20 years$1,509$1,220$979$780$618$211
21 years$1,422$1,137$901$708$553$177
22 years$1,343$1,061$830$644$496$148
23 years$1,271$992$766$586$445$124
24 years$1,205$930$709$535$400$104
25 years$1,145$873$657$488$360$88
26 years$1,089$820$609$447$324$74
27 years$1,037$772$565$409$292$62
28 years$990$727$526$375$264$52
29 years$945$686$489$343$238$44
30 years$904$648$456$315$215$37
31 years$865$612$425$290$195$31
32 years$829$580$396$266$176$26
33 years$795$549$370$245$159$22
34 years$763$520$346$225$144$18
35 years$733$493$323$207$131$15
36 years$705$468$302$191$118$13
37 years$679$445$283$176$107$11
38 years$653$423$265$162$97$9
39 years$630$402$248$149$88$8
40 years$607$382$233$138$80$7
41 years$586$364$218$127$73$6
42 years$565$347$205$117$66$5
43 years$546$330$192$108$60$4
44 years$528$315$180$100$54$3
45 years$510$300$169$92$49$3
46 years$493$286$159$85$45$2
47 years$477$273$149$79$41$2
48 years$462$261$140$73$37$2
49 years$447$249$132$67$33$1
50 years$433$238$124$62$30$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $444,000, adding $6,952 every year, while hoping to spend $23,329 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: 35/39/26 Blend
34$444,000$444,000$444,000$444,000
35$496,459$472,927$466,045$509,739
36$522,276$471,279$456,836$518,580
37$549,944$468,767$446,536$525,506
38$579,628$465,327$435,085$532,522
39$611,508$460,886$422,418$539,650
40$645,782$455,369$408,468$546,918
41$682,666$448,696$393,166$554,359
42$722,399$440,784$376,439$562,011
43$765,244$431,542$358,209$569,916
44$811,487$420,876$338,398$578,126
45$861,445$408,685$316,920$586,700
46$915,464$394,863$293,689$595,704
47$973,928$379,297$268,614$605,215
48$1,037,255$361,869$241,599$615,321
49$1,105,907$342,453$212,545$626,122
50$1,180,392$320,915$181,347$637,730
51$1,261,267$297,115$147,897$650,275
52$1,349,146$270,903$112,081$663,902
53$1,444,704$242,123$73,782$678,774
54$1,548,685$210,608$32,874$695,079
55$1,661,905$176,182$0$713,023
56$1,785,264$138,660$0$735,833
57$1,919,752$97,845$0$770,709
58$2,066,458$53,531$0$808,857
59$2,226,582$5,499$0$850,648
60$2,401,442$0$0$896,498
61$2,592,492$0$0$966,815
62$2,801,331$0$0$1,046,321
63$3,029,721$0$0$1,133,336
64$3,279,600$0$0$1,228,604
65$3,553,103$0$0$1,332,950
66$3,852,582$0$0$1,447,278
67$4,180,625$0$0$1,572,586
68$4,540,083$0$0$1,709,973
69$4,934,097$0$0$1,860,649
70$5,366,124$0$0$2,025,945
71$5,839,974$0$0$2,207,330
72$6,359,841$0$0$2,406,421
73$6,930,347$0$0$2,624,998
74$7,556,581$0$0$2,865,023
75$8,244,150$0$0$3,128,658
76$8,999,231$0$0$3,418,282
77$9,828,626$0$0$3,736,519
78$10,739,831$0$0$4,086,258
79$11,741,102$0$0$4,470,681
80$12,841,536$0$0$4,893,296
81$14,051,153$0$0$5,357,965
82$15,380,995$0$0$5,868,946
83$16,843,224$0$0$6,430,927
84$18,451,242$0$0$7,049,077
85$20,219,813$0$0$7,729,086
86$22,165,204$0$0$8,477,228
87$24,305,339$0$0$9,300,413
88$26,659,965$0$0$10,206,256
89$29,250,840$0$0$11,203,148
90$32,101,939$0$0$12,300,331
91$35,239,676$0$0$13,507,993
92$38,693,158$0$0$14,837,356
93$42,494,455$0$0$16,300,789
94$46,678,903$0$0$17,911,917
95$51,285,441$0$0$19,685,756
96$56,356,972$0$0$21,638,852
97$61,940,773$0$0$23,789,436
98$68,088,936$0$0$26,157,597
99$74,858,863$0$0$28,765,472
100$82,313,805$0$0$31,637,454