Can I retire at age 35 with 472,000?

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 $472,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$38,977$38,630$38,291$37,961$37,638$37,245
2 years$19,296$18,936$18,588$18,250$17,923$17,527
3 years$12,736$12,375$12,028$11,693$11,371$10,985
4 years$9,457$9,097$8,753$8,424$8,110$7,736
5 years$7,490$7,132$6,793$6,471$6,165$5,805
6 years$6,179$5,824$5,490$5,175$4,878$4,532
7 years$5,243$4,891$4,562$4,254$3,967$3,635
8 years$4,541$4,192$3,869$3,569$3,291$2,973
9 years$3,996$3,650$3,332$3,040$2,772$2,468
10 years$3,560$3,218$2,905$2,620$2,362$2,072
11 years$3,203$2,864$2,558$2,281$2,031$1,755
12 years$2,906$2,571$2,270$2,000$1,760$1,497
13 years$2,655$2,323$2,028$1,766$1,535$1,285
14 years$2,440$2,112$1,822$1,568$1,345$1,108
15 years$2,254$1,929$1,645$1,398$1,185$960
16 years$2,091$1,770$1,492$1,252$1,047$834
17 years$1,948$1,630$1,357$1,125$928$727
18 years$1,820$1,506$1,239$1,014$825$635
19 years$1,706$1,396$1,134$916$736$556
20 years$1,604$1,297$1,041$830$657$488
21 years$1,512$1,208$957$753$588$429
22 years$1,428$1,128$882$685$527$377
23 years$1,351$1,055$815$623$473$332
24 years$1,281$988$754$569$425$293
25 years$1,217$928$698$519$383$259
26 years$1,158$872$647$475$345$228
27 years$1,103$820$601$435$311$202
28 years$1,052$773$559$398$280$179
29 years$1,005$729$520$365$253$158
30 years$961$689$484$335$229$140
31 years$920$651$452$308$207$124
32 years$881$616$421$283$187$110
33 years$845$583$393$260$169$97
34 years$811$553$368$239$153$86
35 years$780$524$344$220$139$77
36 years$750$498$321$203$126$68
37 years$721$473$301$187$114$60
38 years$695$449$282$172$103$54
39 years$669$427$264$159$94$48
40 years$645$407$247$147$85$42
41 years$623$387$232$135$77$38
42 years$601$369$218$125$70$33
43 years$580$351$204$115$64$30
44 years$561$335$192$106$58$26
45 years$542$319$180$98$52$23
46 years$524$304$169$91$48$21
47 years$507$291$159$84$43$18
48 years$491$277$149$77$39$16
49 years$476$265$140$72$36$15
50 years$461$253$132$66$32$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $472,000, adding $2,481 every year, while hoping to spend $34,013 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: 84/8/8 Blend
34$472,000$472,000$472,000$472,000
35$522,703$497,687$490,371$565,929
36$539,829$485,884$470,609$582,734
37$557,562$472,363$449,045$596,337
38$575,928$457,003$425,582$610,217
39$594,955$439,678$400,121$624,383
40$614,671$420,253$372,556$638,839
41$635,107$398,585$342,776$653,596
42$656,297$374,525$310,668$668,659
43$678,275$347,912$276,111$684,040
44$701,078$318,579$238,980$699,748
45$724,746$286,348$199,144$715,793
46$749,322$251,030$156,467$732,189
47$774,849$212,428$110,805$748,948
48$801,377$170,330$62,011$766,085
49$828,957$124,516$9,928$783,617
50$857,644$74,750$0$801,562
51$887,497$20,786$0$823,836
52$918,580$0$0$847,724
53$950,961$0$0$875,729
54$984,714$0$0$906,830
55$1,019,917$0$0$939,268
56$1,056,656$0$0$973,124
57$1,095,022$0$0$1,008,481
58$1,135,116$0$0$1,045,433
59$1,177,043$0$0$1,084,076
60$1,220,921$0$0$1,124,520
61$1,266,874$0$0$1,166,880
62$1,315,040$0$0$1,211,282
63$1,365,565$0$0$1,257,862
64$1,418,610$0$0$1,306,769
65$1,474,349$0$0$1,358,164
66$1,532,971$0$0$1,412,221
67$1,594,682$0$0$1,469,131
68$1,659,706$0$0$1,529,101
69$1,728,287$0$0$1,592,356
70$1,800,691$0$0$1,659,143
71$1,877,208$0$0$1,729,730
72$1,958,155$0$0$1,804,410
73$2,043,876$0$0$1,883,502
74$2,134,749$0$0$1,967,355
75$2,231,187$0$0$2,056,350
76$2,333,641$0$0$2,150,905
77$2,442,603$0$0$2,251,477
78$2,558,614$0$0$2,358,564
79$2,682,265$0$0$2,472,712
80$2,814,201$0$0$2,594,522
81$2,955,134$0$0$2,724,649
82$3,105,838$0$0$2,863,811
83$3,267,167$0$0$3,012,797
84$3,440,054$0$0$3,172,471
85$3,625,524$0$0$3,343,782
86$3,824,702$0$0$3,527,769
87$4,038,821$0$0$3,725,575
88$4,269,236$0$0$3,938,454
89$4,517,434$0$0$4,167,781
90$4,785,051$0$0$4,415,070
91$5,073,879$0$0$4,681,980
92$5,385,892$0$0$4,970,338
93$5,723,256$0$0$5,282,148
94$6,088,353$0$0$5,619,615
95$6,483,802$0$0$5,985,162
96$6,912,481$0$0$6,381,454
97$7,377,557$0$0$6,811,420
98$7,882,510$0$0$7,278,284
99$8,431,171$0$0$7,785,588
100$9,027,752$0$0$8,337,233