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%18.7%
1 years$39,060$38,712$38,373$38,041$37,718$36,394
2 years$19,337$18,976$18,627$18,289$17,961$16,641
3 years$12,763$12,401$12,053$11,718$11,395$10,121
4 years$9,477$9,116$8,772$8,442$8,127$6,908
5 years$7,506$7,147$6,807$6,484$6,178$5,017
6 years$6,192$5,836$5,501$5,186$4,888$3,787
7 years$5,254$4,901$4,572$4,263$3,976$2,933
8 years$4,551$4,201$3,877$3,576$3,298$2,314
9 years$4,004$3,658$3,339$3,046$2,778$1,850
10 years$3,567$3,224$2,911$2,626$2,367$1,495
11 years$3,210$2,870$2,563$2,285$2,035$1,217
12 years$2,912$2,576$2,275$2,005$1,764$997
13 years$2,661$2,328$2,032$1,770$1,538$821
14 years$2,445$2,116$1,826$1,571$1,348$679
15 years$2,259$1,933$1,649$1,401$1,187$563
16 years$2,096$1,774$1,495$1,254$1,049$468
17 years$1,952$1,634$1,360$1,127$930$390
18 years$1,824$1,510$1,242$1,016$827$326
19 years$1,710$1,399$1,137$918$737$272
20 years$1,608$1,300$1,043$831$659$228
21 years$1,515$1,211$959$754$589$191
22 years$1,431$1,130$884$686$528$160
23 years$1,354$1,057$817$625$474$135
24 years$1,284$991$755$570$426$113
25 years$1,219$930$699$520$384$95
26 years$1,160$874$649$476$345$80
27 years$1,105$822$602$435$311$67
28 years$1,054$775$560$399$281$56
29 years$1,007$731$521$366$254$48
30 years$963$690$485$336$229$40
31 years$922$653$452$308$207$34
32 years$883$617$422$283$188$28
33 years$847$585$394$261$170$24
34 years$813$554$368$240$154$20
35 years$781$526$344$221$139$17
36 years$751$499$322$203$126$14
37 years$723$474$302$187$114$12
38 years$696$450$282$173$104$10
39 years$671$428$265$159$94$9
40 years$647$407$248$147$85$7
41 years$624$388$232$135$77$6
42 years$602$369$218$125$70$5
43 years$582$352$205$115$64$4
44 years$562$335$192$107$58$4
45 years$543$320$180$98$52$3
46 years$525$305$169$91$48$3
47 years$508$291$159$84$43$2
48 years$492$278$150$78$39$2
49 years$477$265$141$72$36$2
50 years$462$254$132$66$32$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $473,000, adding $4,624 every year, while hoping to spend $25,851 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: 48/24/28 Blend
34$473,000$473,000$473,000$473,000
35$526,016$500,947$493,615$546,868
36$552,164$497,988$482,646$559,042
37$580,113$494,018$470,443$569,356
38$610,019$488,959$456,937$580,056
39$642,054$482,731$442,058$591,192
40$676,405$475,246$425,728$602,819
41$713,280$466,414$407,871$615,002
42$752,903$456,138$388,404$627,812
43$795,525$444,314$367,241$641,329
44$841,418$430,835$344,293$655,646
45$890,881$415,585$319,466$670,864
46$944,244$398,442$292,661$687,099
47$1,001,869$379,277$263,777$704,479
48$1,064,153$357,955$232,707$723,151
49$1,131,533$334,331$199,339$743,277
50$1,204,489$308,253$163,556$765,038
51$1,283,549$279,559$125,237$788,639
52$1,369,293$248,080$84,255$814,306
53$1,462,360$213,635$40,477$842,295
54$1,563,452$176,034$0$872,887
55$1,673,342$135,077$0$908,265
56$1,792,878$90,551$0$959,943
57$1,922,995$42,233$0$1,016,252
58$2,064,723$0$0$1,077,677
59$2,219,194$0$0$1,147,424
60$2,387,651$0$0$1,235,699
61$2,571,468$0$0$1,332,072
62$2,772,153$0$0$1,437,340
63$2,991,367$0$0$1,552,381
64$3,230,939$0$0$1,678,162
65$3,492,883$0$0$1,815,748
66$3,779,416$0$0$1,966,308
67$4,092,977$0$0$2,131,135
68$4,436,256$0$0$2,311,649
69$4,812,212$0$0$2,509,413
70$5,224,105$0$0$2,726,152
71$5,675,523$0$0$2,963,763
72$6,170,421$0$0$3,224,336
73$6,713,152$0$0$3,510,173
74$7,308,512$0$0$3,823,809
75$7,961,784$0$0$4,168,037
76$8,678,785$0$0$4,545,934
77$9,465,924$0$0$4,960,888
78$10,330,262$0$0$5,416,632
79$11,279,574$0$0$5,917,279
80$12,322,429$0$0$6,467,359
81$13,468,264$0$0$7,071,862
82$14,727,475$0$0$7,736,287
83$16,111,518$0$0$8,466,690
84$17,633,011$0$0$9,269,746
85$19,305,857$0$0$10,152,806
86$21,145,373$0$0$11,123,971
87$23,168,434$0$0$12,192,166
88$25,393,635$0$0$13,367,223
89$27,841,459$0$0$14,659,977
90$30,534,479$0$0$16,082,365
91$33,497,561$0$0$17,647,538
92$36,758,108$0$0$19,369,991
93$40,346,311$0$0$21,265,688
94$44,295,434$0$0$23,352,226
95$48,642,133$0$0$25,648,990
96$53,426,795$0$0$28,177,341
97$58,693,922$0$0$30,960,817
98$64,492,551$0$0$34,025,353
99$70,876,712$0$0$37,399,527
100$77,905,945$0$0$41,114,830