Can I retire at age 35 with 474,000?

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 $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 $4,359 every year, while hoping to spend $26,404 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: 62/32/6 Blend
34$474,000$474,000$474,000$474,000
35$526,844$501,722$494,375$558,672
36$552,489$498,213$482,843$576,937
37$579,864$493,647$470,040$593,386
38$609,119$487,944$455,895$610,657
39$640,416$481,020$440,334$628,827
40$673,934$472,786$423,281$647,985
41$709,869$463,147$404,655$668,228
42$748,436$452,001$384,372$689,663
43$789,871$439,244$362,343$712,411
44$834,433$424,762$338,476$736,605
45$882,407$408,436$312,676$762,394
46$934,103$390,141$284,842$789,942
47$989,866$369,742$254,868$819,433
48$1,050,072$347,099$222,646$851,070
49$1,115,135$322,062$188,060$885,079
50$1,185,510$294,474$150,991$921,710
51$1,261,697$264,169$111,314$961,241
52$1,344,246$230,969$68,899$1,003,981
53$1,433,761$194,689$23,610$1,050,272
54$1,530,908$155,132$0$1,100,494
55$1,636,417$112,090$0$1,156,650
56$1,751,093$65,343$0$1,219,339
57$1,875,820$14,661$0$1,287,576
58$2,011,572$0$0$1,361,943
59$2,159,420$0$0$1,457,241
60$2,320,542$0$0$1,566,754
61$2,496,236$0$0$1,686,205
62$2,687,929$0$0$1,816,569
63$2,897,193$0$0$1,958,919
64$3,125,757$0$0$2,114,436
65$3,375,526$0$0$2,284,420
66$3,648,596$0$0$2,470,303
67$3,947,276$0$0$2,673,662
68$4,274,106$0$0$2,896,232
69$4,631,885$0$0$3,139,925
70$5,023,695$0$0$3,406,845
71$5,452,930$0$0$3,699,311
72$5,923,326$0$0$4,019,874
73$6,439,000$0$0$4,371,347
74$7,004,484$0$0$4,756,826
75$7,624,773$0$0$5,179,721
76$8,305,364$0$0$5,643,788
77$9,052,316$0$0$6,153,167
78$9,872,301$0$0$6,712,413
79$10,772,669$0$0$7,326,550
80$11,761,516$0$0$8,001,106
81$12,847,762$0$0$8,742,175
82$14,041,232$0$0$9,556,470
83$15,352,750$0$0$10,451,384
84$16,794,241$0$0$11,435,064
85$18,378,843$0$0$12,516,486
86$20,121,030$0$0$13,705,536
87$22,036,747$0$0$15,013,109
88$24,143,564$0$0$16,451,207
89$26,460,837$0$0$18,033,054
90$29,009,892$0$0$19,773,220
91$31,814,227$0$0$21,687,758
92$34,899,733$0$0$23,794,356
93$38,294,934$0$0$26,112,501
94$42,031,262$0$0$28,663,668
95$46,143,348$0$0$31,471,515
96$50,669,351$0$0$34,562,115
97$55,651,317$0$0$37,964,191
98$61,135,574$0$0$41,709,396
99$67,173,173$0$0$45,832,607
100$73,820,362$0$0$50,372,255