Can I retire at age 35 with 475,000?

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 $475,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$39,225$38,876$38,535$38,202$37,877$36,562
2 years$19,418$19,057$18,706$18,366$18,037$16,726
3 years$12,817$12,454$12,104$11,768$11,443$10,177
4 years$9,517$9,155$8,809$8,478$8,161$6,950
5 years$7,537$7,178$6,836$6,512$6,204$5,051
6 years$6,218$5,861$5,524$5,208$4,909$3,814
7 years$5,276$4,922$4,591$4,281$3,992$2,956
8 years$4,570$4,219$3,893$3,592$3,312$2,333
9 years$4,021$3,673$3,353$3,059$2,789$1,867
10 years$3,582$3,238$2,924$2,637$2,377$1,509
11 years$3,223$2,883$2,574$2,295$2,044$1,230
12 years$2,925$2,587$2,284$2,013$1,771$1,008
13 years$2,672$2,338$2,041$1,777$1,545$831
14 years$2,456$2,125$1,834$1,578$1,354$687
15 years$2,268$1,941$1,656$1,407$1,192$571
16 years$2,104$1,781$1,501$1,260$1,054$475
17 years$1,960$1,640$1,366$1,132$934$396
18 years$1,832$1,516$1,247$1,020$831$331
19 years$1,717$1,405$1,141$922$740$277
20 years$1,614$1,306$1,048$835$661$232
21 years$1,521$1,216$964$758$592$195
22 years$1,437$1,135$888$689$530$163
23 years$1,360$1,062$820$627$476$137
24 years$1,289$995$758$572$428$115
25 years$1,225$933$702$523$385$97
26 years$1,165$877$651$478$347$82
27 years$1,110$826$605$437$313$69
28 years$1,059$778$562$401$282$58
29 years$1,011$734$523$367$255$49
30 years$967$693$487$337$230$41
31 years$926$655$454$310$208$35
32 years$887$620$424$285$188$29
33 years$851$587$396$262$170$25
34 years$817$556$370$241$154$21
35 years$785$528$346$222$140$17
36 years$754$501$323$204$127$15
37 years$726$476$303$188$115$12
38 years$699$452$284$173$104$10
39 years$674$430$266$160$94$9
40 years$649$409$249$147$86$7
41 years$626$389$233$136$78$6
42 years$605$371$219$126$70$5
43 years$584$353$206$116$64$4
44 years$564$337$193$107$58$4
45 years$546$321$181$99$53$3
46 years$528$306$170$91$48$3
47 years$511$292$160$84$43$2
48 years$494$279$150$78$39$2
49 years$479$267$141$72$36$2
50 years$464$255$133$67$33$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $475,000, adding $4,849 every year, while hoping to spend $25,582 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: 50/33/17 Blend
34$475,000$475,000$475,000$475,000
35$528,452$503,277$495,914$552,161
36$555,135$500,718$485,308$566,462
37$583,682$497,177$473,490$578,952
38$614,257$492,578$460,391$591,970
39$647,038$486,841$445,941$605,574
40$682,222$479,882$430,066$619,831
41$720,023$471,612$412,688$634,814
42$760,680$461,935$393,727$650,607
43$804,450$450,751$373,098$667,304
44$851,620$437,953$350,713$685,009
45$902,503$423,430$326,479$703,840
46$957,442$407,062$300,300$723,929
47$1,016,815$388,722$272,074$745,421
48$1,081,039$368,278$241,697$768,482
49$1,150,569$345,588$209,058$793,295
50$1,225,909$320,504$174,043$820,065
51$1,307,609$292,866$136,531$849,020
52$1,396,278$262,509$96,398$880,416
53$1,492,582$229,256$53,511$914,536
54$1,597,257$192,921$7,735$951,697
55$1,711,110$153,307$0$992,251
56$1,835,031$110,207$0$1,044,048
57$1,969,998$63,400$0$1,102,047
58$2,117,086$12,656$0$1,165,358
59$2,277,481$0$0$1,234,547
60$2,452,487$0$0$1,325,594
61$2,643,538$0$0$1,430,053
62$2,852,215$0$0$1,544,198
63$3,080,257$0$0$1,668,987
64$3,329,578$0$0$1,805,473
65$3,602,287$0$0$1,954,818
66$3,900,704$0$0$2,118,300
67$4,227,386$0$0$2,297,325
68$4,585,146$0$0$2,493,444
69$4,977,086$0$0$2,708,364
70$5,406,617$0$0$2,943,965
71$5,877,499$0$0$3,202,316
72$6,393,872$0$0$3,485,698
73$6,960,297$0$0$3,796,622
74$7,581,796$0$0$4,137,855
75$8,263,902$0$0$4,512,445
76$9,012,709$0$0$4,923,747
77$9,834,929$0$0$5,375,459
78$10,737,958$0$0$5,871,655
79$11,729,942$0$0$6,416,822
80$12,819,854$0$0$7,015,903
81$14,017,582$0$0$7,674,344
82$15,334,016$0$0$8,398,144
83$16,781,155$0$0$9,193,915
84$18,372,220$0$0$10,068,938
85$20,121,773$0$0$11,031,236
86$22,045,862$0$0$12,089,649
87$24,162,166$0$0$13,253,917
88$26,490,162$0$0$14,534,771
89$29,051,314$0$0$15,944,034
90$31,869,266$0$0$17,494,734
91$34,970,073$0$0$19,201,224
92$38,382,441$0$0$21,079,319
93$42,138,002$0$0$23,146,447
94$46,271,608$0$0$25,421,809
95$50,821,660$0$0$27,926,561
96$55,830,474$0$0$30,684,018
97$61,344,675$0$0$33,719,868
98$67,415,638$0$0$37,062,415
99$74,099,974$0$0$40,742,851
100$81,460,062$0$0$44,795,543