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%17.3%
1 years$36,665$36,339$36,020$35,709$35,405$34,354
2 years$18,151$17,813$17,485$17,168$16,860$15,810
3 years$11,980$11,641$11,314$11,000$10,696$9,680
4 years$8,896$8,557$8,234$7,925$7,629$6,654
5 years$7,046$6,709$6,390$6,087$5,799$4,869
6 years$5,812$5,478$5,164$4,868$4,589$3,703
7 years$4,932$4,601$4,291$4,002$3,732$2,891
8 years$4,272$3,944$3,639$3,357$3,096$2,300
9 years$3,759$3,434$3,135$2,860$2,607$1,855
10 years$3,348$3,027$2,733$2,465$2,222$1,512
11 years$3,013$2,694$2,406$2,145$1,911$1,242
12 years$2,734$2,418$2,135$1,882$1,656$1,027
13 years$2,498$2,186$1,908$1,661$1,444$854
14 years$2,295$1,987$1,714$1,475$1,266$713
15 years$2,120$1,815$1,548$1,315$1,114$597
16 years$1,967$1,665$1,403$1,178$985$502
17 years$1,832$1,533$1,277$1,058$873$422
18 years$1,712$1,417$1,165$954$776$356
19 years$1,605$1,313$1,067$862$692$301
20 years$1,509$1,220$979$780$618$255
21 years$1,422$1,137$901$708$553$216
22 years$1,343$1,061$830$644$496$183
23 years$1,271$992$766$586$445$155
24 years$1,205$930$709$535$400$132
25 years$1,145$873$657$488$360$112
26 years$1,089$820$609$447$324$95
27 years$1,037$772$565$409$292$81
28 years$990$727$526$375$264$69
29 years$945$686$489$343$238$59
30 years$904$648$456$315$215$50
31 years$865$612$425$290$195$43
32 years$829$580$396$266$176$36
33 years$795$549$370$245$159$31
34 years$763$520$346$225$144$26
35 years$733$493$323$207$131$22
36 years$705$468$302$191$118$19
37 years$679$445$283$176$107$16
38 years$653$423$265$162$97$14
39 years$630$402$248$149$88$12
40 years$607$382$233$138$80$10
41 years$586$364$218$127$73$9
42 years$565$347$205$117$66$7
43 years$546$330$192$108$60$6
44 years$528$315$180$100$54$5
45 years$510$300$169$92$49$5
46 years$493$286$159$85$45$4
47 years$477$273$149$79$41$3
48 years$462$261$140$73$37$3
49 years$447$249$132$67$33$2
50 years$433$238$124$62$30$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $444,000, adding $6,745 every year, while hoping to spend $28,644 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: 70/19/11 Blend
34$444,000$444,000$444,000$444,000
35$496,245$472,713$465,831$529,391
36$516,386$465,399$450,960$544,938
37$537,620$456,767$434,630$557,822
38$560,030$446,721$416,763$571,159
39$583,704$435,162$397,276$584,989
40$608,739$421,982$376,082$599,354
41$635,242$407,070$353,091$614,303
42$663,326$390,307$328,210$629,892
43$693,119$371,565$301,338$646,182
44$724,757$350,712$272,374$663,239
45$758,393$327,607$241,208$681,142
46$794,190$302,101$207,730$699,973
47$832,329$274,036$171,821$719,828
48$873,008$243,245$133,358$740,813
49$916,444$209,553$92,215$763,044
50$962,873$172,773$48,256$786,652
51$1,012,556$132,709$1,342$811,785
52$1,065,778$89,153$0$838,602
53$1,122,852$41,886$0$873,004
54$1,184,121$0$0$910,013
55$1,249,962$0$0$951,661
56$1,320,787$0$0$1,005,900
57$1,397,052$0$0$1,064,323
58$1,479,254$0$0$1,127,313
59$1,567,942$0$0$1,195,292
60$1,663,716$0$0$1,268,725
61$1,767,239$0$0$1,348,120
62$1,879,237$0$0$1,434,039
63$2,000,508$0$0$1,527,096
64$2,131,930$0$0$1,627,968
65$2,274,470$0$0$1,737,400
66$2,429,189$0$0$1,856,211
67$2,597,256$0$0$1,985,301
68$2,779,954$0$0$2,125,660
69$2,978,697$0$0$2,278,379
70$3,195,041$0$0$2,444,656
71$3,430,696$0$0$2,625,810
72$3,687,545$0$0$2,823,294
73$3,967,661$0$0$3,038,705
74$4,273,324$0$0$3,273,802
75$4,607,045$0$0$3,530,521
76$4,971,588$0$0$3,810,994
77$5,369,994$0$0$4,117,566
78$5,805,615$0$0$4,452,821
79$6,282,136$0$0$4,819,602
80$6,803,620$0$0$5,221,042
81$7,374,538$0$0$5,660,589
82$7,999,813$0$0$6,142,040
83$8,684,868$0$0$6,669,577
84$9,435,674$0$0$7,247,807
85$10,258,809$0$0$7,881,800
86$11,161,515$0$0$8,577,145
87$12,151,771$0$0$9,339,993
88$13,238,364$0$0$10,177,124
89$14,430,973$0$0$11,096,002
90$15,740,261$0$0$12,104,851
91$17,177,973$0$0$13,212,730
92$18,757,045$0$0$14,429,618
93$20,491,731$0$0$15,766,508
94$22,397,731$0$0$17,235,511
95$24,492,341$0$0$18,849,968
96$26,794,619$0$0$20,624,577
97$29,325,556$0$0$22,575,531
98$32,108,283$0$0$24,720,671
99$35,168,281$0$0$27,079,652
100$38,533,624$0$0$29,674,130