Can I retire at age 35 with 474,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $474,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.6%
1 years$39,142$38,794$38,454$38,122$37,797$36,632
2 years$19,377$19,017$18,667$18,328$17,999$16,834
3 years$12,790$12,428$12,079$11,743$11,419$10,293
4 years$9,497$9,136$8,790$8,460$8,144$7,064
5 years$7,522$7,162$6,822$6,498$6,191$5,161
6 years$6,205$5,849$5,513$5,197$4,899$3,919
7 years$5,265$4,912$4,581$4,272$3,984$3,055
8 years$4,560$4,210$3,885$3,584$3,305$2,425
9 years$4,013$3,666$3,346$3,053$2,783$1,953
10 years$3,575$3,231$2,917$2,632$2,372$1,588
11 years$3,217$2,877$2,568$2,290$2,040$1,303
12 years$2,918$2,582$2,279$2,009$1,768$1,075
13 years$2,666$2,333$2,037$1,773$1,541$892
14 years$2,450$2,121$1,830$1,574$1,351$743
15 years$2,263$1,937$1,652$1,404$1,190$621
16 years$2,100$1,778$1,498$1,257$1,051$521
17 years$1,956$1,637$1,363$1,130$932$437
18 years$1,828$1,513$1,244$1,018$829$368
19 years$1,714$1,402$1,139$920$739$310
20 years$1,611$1,303$1,045$833$660$262
21 years$1,518$1,213$962$756$591$222
22 years$1,434$1,133$886$687$529$187
23 years$1,357$1,059$818$626$475$159
24 years$1,287$993$757$571$427$134
25 years$1,222$932$701$521$384$114
26 years$1,163$875$650$477$346$97
27 years$1,107$824$604$436$312$82
28 years$1,056$776$561$400$282$70
29 years$1,009$732$522$367$254$59
30 years$965$692$486$337$230$50
31 years$924$654$453$309$208$43
32 years$885$619$423$284$188$36
33 years$849$586$395$261$170$31
34 years$815$555$369$240$154$26
35 years$783$527$345$221$139$22
36 years$753$500$323$204$126$19
37 years$724$475$302$188$115$16
38 years$698$451$283$173$104$14
39 years$672$429$265$160$94$12
40 years$648$408$248$147$85$10
41 years$625$389$233$136$77$8
42 years$603$370$219$125$70$7
43 years$583$353$205$116$64$6
44 years$563$336$193$107$58$5
45 years$544$321$181$99$53$4
46 years$527$306$170$91$48$4
47 years$510$292$159$84$43$3
48 years$493$279$150$78$39$3
49 years$478$266$141$72$36$2
50 years$463$254$132$66$32$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $474,000, adding $3,991 every year, while hoping to spend $29,945 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: 45/49/6 Blend
34$474,000$474,000$474,000$474,000
35$526,465$501,343$493,996$549,106
36$548,303$494,047$478,683$557,823
37$571,365$485,391$461,854$563,839
38$595,744$475,275$443,426$569,660
39$621,542$463,595$423,313$575,280
40$648,870$450,242$401,425$580,690
41$677,849$435,098$377,667$585,885
42$708,612$418,040$351,941$590,861
43$741,304$398,938$324,144$595,618
44$776,083$377,652$294,170$600,155
45$813,124$354,037$261,905$604,477
46$852,616$327,939$227,232$608,591
47$894,768$299,193$190,029$612,510
48$939,807$267,626$150,168$616,249
49$987,984$233,057$107,516$619,832
50$1,039,574$195,292$61,933$623,285
51$1,094,876$154,127$13,273$626,644
52$1,154,221$109,347$0$629,953
53$1,217,971$60,724$0$635,739
54$1,286,523$8,018$0$642,660
55$1,360,313$0$0$649,949
56$1,439,820$0$0$684,142
57$1,525,571$0$0$725,725
58$1,618,144$0$0$770,661
59$1,718,174$0$0$819,265
60$1,826,358$0$0$871,881
61$1,943,464$0$0$928,889
62$2,070,336$0$0$990,707
63$2,207,901$0$0$1,057,792
64$2,357,180$0$0$1,130,650
65$2,519,292$0$0$1,209,836
66$2,695,473$0$0$1,295,961
67$2,887,080$0$0$1,389,696
68$3,095,606$0$0$1,491,780
69$3,322,694$0$0$1,603,028
70$3,570,152$0$0$1,724,335
71$3,839,969$0$0$1,856,685
72$4,134,337$0$0$2,001,164
73$4,455,664$0$0$2,158,965
74$4,806,605$0$0$2,331,403
75$5,190,081$0$0$2,519,924
76$5,609,307$0$0$2,726,123
77$6,067,825$0$0$2,951,752
78$6,569,531$0$0$3,198,744
79$7,118,720$0$0$3,469,225
80$7,720,117$0$0$3,765,538
81$8,378,928$0$0$4,090,263
82$9,100,886$0$0$4,446,239
83$9,892,304$0$0$4,836,596
84$10,760,134$0$0$5,264,780
85$11,712,037$0$0$5,734,586
86$12,756,445$0$0$6,250,196
87$13,902,652$0$0$6,816,215
88$15,160,891$0$0$7,437,715
89$16,542,436$0$0$8,120,285
90$18,059,704$0$0$8,870,080
91$19,726,378$0$0$9,693,883
92$21,557,526$0$0$10,599,164
93$23,569,752$0$0$11,594,154
94$25,781,345$0$0$12,687,919
95$28,212,457$0$0$13,890,451
96$30,885,287$0$0$15,212,753
97$33,824,293$0$0$16,666,954
98$37,056,421$0$0$18,266,411
99$40,611,362$0$0$20,025,845
100$44,521,824$0$0$21,961,474