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%12.1%
1 years$39,142$38,794$38,454$38,122$37,797$37,465
2 years$19,377$19,017$18,667$18,328$17,999$17,664
3 years$12,790$12,428$12,079$11,743$11,419$11,092
4 years$9,497$9,136$8,790$8,460$8,144$7,828
5 years$7,522$7,162$6,822$6,498$6,191$5,886
6 years$6,205$5,849$5,513$5,197$4,899$4,605
7 years$5,265$4,912$4,581$4,272$3,984$3,702
8 years$4,560$4,210$3,885$3,584$3,305$3,035
9 years$4,013$3,666$3,346$3,053$2,783$2,525
10 years$3,575$3,231$2,917$2,632$2,372$2,125
11 years$3,217$2,877$2,568$2,290$2,040$1,804
12 years$2,918$2,582$2,279$2,009$1,768$1,543
13 years$2,666$2,333$2,037$1,773$1,541$1,328
14 years$2,450$2,121$1,830$1,574$1,351$1,148
15 years$2,263$1,937$1,652$1,404$1,190$997
16 years$2,100$1,778$1,498$1,257$1,051$869
17 years$1,956$1,637$1,363$1,130$932$759
18 years$1,828$1,513$1,244$1,018$829$665
19 years$1,714$1,402$1,139$920$739$584
20 years$1,611$1,303$1,045$833$660$514
21 years$1,518$1,213$962$756$591$453
22 years$1,434$1,133$886$687$529$400
23 years$1,357$1,059$818$626$475$353
24 years$1,287$993$757$571$427$312
25 years$1,222$932$701$521$384$277
26 years$1,163$875$650$477$346$245
27 years$1,107$824$604$436$312$217
28 years$1,056$776$561$400$282$193
29 years$1,009$732$522$367$254$171
30 years$965$692$486$337$230$152
31 years$924$654$453$309$208$135
32 years$885$619$423$284$188$120
33 years$849$586$395$261$170$107
34 years$815$555$369$240$154$95
35 years$783$527$345$221$139$85
36 years$753$500$323$204$126$75
37 years$724$475$302$188$115$67
38 years$698$451$283$173$104$60
39 years$672$429$265$160$94$53
40 years$648$408$248$147$85$48
41 years$625$389$233$136$77$42
42 years$603$370$219$125$70$38
43 years$583$353$205$116$64$34
44 years$563$336$193$107$58$30
45 years$544$321$181$99$53$27
46 years$527$306$170$91$48$24
47 years$510$292$159$84$43$21
48 years$493$279$150$78$39$19
49 years$478$266$141$72$36$17
50 years$463$254$132$66$32$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $474,000, adding $3,225 every year, while hoping to spend $26,120 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: 48/33/19 Blend
34$474,000$474,000$474,000$474,000
35$525,675$500,553$493,206$547,948
36$551,502$497,288$481,936$560,491
37$579,088$492,988$469,414$571,198
38$608,585$487,575$455,570$582,273
39$640,160$480,965$440,330$593,761
40$673,994$473,070$423,619$605,712
41$710,288$463,797$405,357$618,185
42$749,262$453,048$385,461$631,245
43$791,156$440,717$363,844$644,968
44$836,237$426,694$340,415$659,437
45$884,793$410,863$315,079$674,746
46$937,145$393,098$287,738$691,002
47$993,643$373,269$258,286$708,325
48$1,054,673$351,237$226,617$726,850
49$1,120,657$326,856$192,616$746,727
50$1,192,062$299,970$156,167$768,127
51$1,269,399$270,414$117,144$791,237
52$1,353,230$238,017$75,421$816,272
53$1,444,173$202,594$30,862$843,469
54$1,542,910$163,952$0$873,092
55$1,650,188$121,887$0$908,822
56$1,766,831$76,183$0$954,502
57$1,893,743$26,611$0$1,004,270
58$2,031,921$0$0$1,058,569
59$2,182,461$0$0$1,127,719
60$2,346,570$0$0$1,213,685
61$2,525,575$0$0$1,307,503
62$2,720,937$0$0$1,409,947
63$2,934,266$0$0$1,521,865
64$3,167,332$0$0$1,644,195
65$3,422,084$0$0$1,777,966
66$3,700,669$0$0$1,924,313
67$4,005,450$0$0$2,084,484
68$4,339,029$0$0$2,259,856
69$4,704,272$0$0$2,451,942
70$5,104,333$0$0$2,662,411
71$5,542,687$0$0$2,893,099
72$6,023,161$0$0$3,146,030
73$6,549,970$0$0$3,423,431
74$7,127,756$0$0$3,727,757
75$7,761,631$0$0$4,061,712
76$8,457,226$0$0$4,428,272
77$9,220,746$0$0$4,830,718
78$10,059,022$0$0$5,272,662
79$10,979,583$0$0$5,758,084
80$11,990,718$0$0$6,291,369
81$13,101,562$0$0$6,877,347
82$14,322,178$0$0$7,521,340
83$15,663,651$0$0$8,229,208
84$17,138,193$0$0$9,007,410
85$18,759,260$0$0$9,863,062
86$20,541,673$0$0$10,804,003
87$22,501,766$0$0$11,838,869
88$24,657,530$0$0$12,977,177
89$27,028,791$0$0$14,229,410
90$29,637,390$0$0$15,607,121
91$32,507,394$0$0$17,123,038
92$35,665,319$0$0$18,791,183
93$39,140,380$0$0$20,627,010
94$42,964,769$0$0$22,647,543
95$47,173,956$0$0$24,871,543
96$51,807,024$0$0$27,319,680
97$56,907,037$0$0$30,014,732
98$62,521,445$0$0$32,981,794
99$68,702,534$0$0$36,248,522
100$75,507,917$0$0$39,845,388