Can I retire at age 35 with 473,000?

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 $473,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$39,060$38,712$38,373$38,041$37,718$36,731
2 years$19,337$18,976$18,627$18,289$17,961$16,974
3 years$12,763$12,401$12,053$11,718$11,395$10,438
4 years$9,477$9,116$8,772$8,442$8,127$7,208
5 years$7,506$7,147$6,807$6,484$6,178$5,299
6 years$6,192$5,836$5,501$5,186$4,888$4,050
7 years$5,254$4,901$4,572$4,263$3,976$3,179
8 years$4,551$4,201$3,877$3,576$3,298$2,542
9 years$4,004$3,658$3,339$3,046$2,778$2,061
10 years$3,567$3,224$2,911$2,626$2,367$1,689
11 years$3,210$2,870$2,563$2,285$2,035$1,396
12 years$2,912$2,576$2,275$2,005$1,764$1,161
13 years$2,661$2,328$2,032$1,770$1,538$971
14 years$2,445$2,116$1,826$1,571$1,348$816
15 years$2,259$1,933$1,649$1,401$1,187$688
16 years$2,096$1,774$1,495$1,254$1,049$582
17 years$1,952$1,634$1,360$1,127$930$493
18 years$1,824$1,510$1,242$1,016$827$419
19 years$1,710$1,399$1,137$918$737$356
20 years$1,608$1,300$1,043$831$659$304
21 years$1,515$1,211$959$754$589$259
22 years$1,431$1,130$884$686$528$221
23 years$1,354$1,057$817$625$474$189
24 years$1,284$991$755$570$426$162
25 years$1,219$930$699$520$384$138
26 years$1,160$874$649$476$345$118
27 years$1,105$822$602$435$311$101
28 years$1,054$775$560$399$281$87
29 years$1,007$731$521$366$254$75
30 years$963$690$485$336$229$64
31 years$922$653$452$308$207$55
32 years$883$617$422$283$188$47
33 years$847$585$394$261$170$40
34 years$813$554$368$240$154$35
35 years$781$526$344$221$139$30
36 years$751$499$322$203$126$26
37 years$723$474$302$187$114$22
38 years$696$450$282$173$104$19
39 years$671$428$265$159$94$16
40 years$647$407$248$147$85$14
41 years$624$388$232$135$77$12
42 years$602$369$218$125$70$10
43 years$582$352$205$115$64$9
44 years$562$335$192$107$58$8
45 years$543$320$180$98$52$6
46 years$525$305$169$91$48$6
47 years$508$291$159$84$43$5
48 years$492$278$150$78$39$4
49 years$477$265$141$72$36$4
50 years$462$254$132$66$32$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $473,000, adding $4,866 every year, while hoping to spend $25,615 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: 47/37/16 Blend
34$473,000$473,000$473,000$473,000
35$526,265$501,196$493,865$548,410
36$552,690$498,501$483,155$561,585
37$580,952$494,815$471,228$572,881
38$611,211$490,062$458,016$584,587
39$643,643$484,164$443,448$596,752
40$678,440$477,034$427,450$609,429
41$715,815$468,583$409,943$622,682
42$756,000$458,715$390,848$636,579
43$799,250$447,330$370,079$651,201
44$845,844$434,320$347,548$666,635
45$896,091$419,572$323,161$682,982
46$950,328$402,967$296,823$700,354
47$1,008,927$384,377$268,432$718,878
48$1,072,295$363,669$237,882$738,696
49$1,140,881$340,701$205,063$759,967
50$1,215,178$315,323$169,859$782,869
51$1,295,728$287,375$132,152$807,601
52$1,383,127$256,692$91,813$834,386
53$1,478,031$223,094$48,714$863,474
54$1,581,160$186,396$2,716$895,143
55$1,693,308$146,399$0$929,703
56$1,815,348$102,895$0$975,418
57$1,948,239$55,663$0$1,025,765
58$2,093,039$4,469$0$1,080,739
59$2,250,910$0$0$1,140,844
60$2,423,131$0$0$1,227,380
61$2,611,112$0$0$1,323,872
62$2,816,403$0$0$1,429,302
63$3,040,711$0$0$1,544,553
64$3,285,914$0$0$1,670,597
65$3,554,083$0$0$1,808,506
66$3,847,494$0$0$1,959,458
67$4,168,657$0$0$2,124,752
68$4,520,333$0$0$2,305,817
69$4,905,563$0$0$2,504,226
70$5,327,698$0$0$2,721,715
71$5,790,427$0$0$2,960,193
72$6,297,812$0$0$3,221,762
73$6,854,328$0$0$3,508,740
74$7,464,904$0$0$3,823,678
75$8,134,969$0$0$4,169,387
76$8,870,503$0$0$4,548,962
77$9,678,093$0$0$4,965,815
78$10,564,995$0$0$5,423,701
79$11,539,204$0$0$5,926,760
80$12,609,523$0$0$6,479,551
81$13,785,655$0$0$7,087,097
82$15,078,287$0$0$7,754,931
83$16,499,191$0$0$8,489,151
84$18,061,339$0$0$9,296,472
85$19,779,022$0$0$10,184,295
86$21,667,985$0$0$11,160,773
87$23,745,574$0$0$12,234,888
88$26,030,903$0$0$13,416,538
89$28,545,028$0$0$14,716,628
90$31,311,151$0$0$16,147,173
91$34,354,837$0$0$17,721,411
92$37,704,253$0$0$19,453,928
93$41,390,433$0$0$21,360,798
94$45,447,574$0$0$23,459,729
95$49,913,356$0$0$25,770,236
96$54,829,297$0$0$28,313,819
97$60,241,145$0$0$31,114,171
98$66,199,307$0$0$34,197,397
99$72,759,330$0$0$37,592,264
100$79,982,417$0$0$41,330,470