Can I retire at age 35 with 475,000?

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 $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%16%
1 years$39,225$38,876$38,535$38,202$37,877$36,947
2 years$19,418$19,057$18,706$18,366$18,037$17,105
3 years$12,817$12,454$12,104$11,768$11,443$10,539
4 years$9,517$9,155$8,809$8,478$8,161$7,292
5 years$7,537$7,178$6,836$6,512$6,204$5,372
6 years$6,218$5,861$5,524$5,208$4,909$4,115
7 years$5,276$4,922$4,591$4,281$3,992$3,237
8 years$4,570$4,219$3,893$3,592$3,312$2,595
9 years$4,021$3,673$3,353$3,059$2,789$2,109
10 years$3,582$3,238$2,924$2,637$2,377$1,733
11 years$3,223$2,883$2,574$2,295$2,044$1,436
12 years$2,925$2,587$2,284$2,013$1,771$1,198
13 years$2,672$2,338$2,041$1,777$1,545$1,004
14 years$2,456$2,125$1,834$1,578$1,354$846
15 years$2,268$1,941$1,656$1,407$1,192$715
16 years$2,104$1,781$1,501$1,260$1,054$606
17 years$1,960$1,640$1,366$1,132$934$515
18 years$1,832$1,516$1,247$1,020$831$439
19 years$1,717$1,405$1,141$922$740$375
20 years$1,614$1,306$1,048$835$661$320
21 years$1,521$1,216$964$758$592$274
22 years$1,437$1,135$888$689$530$235
23 years$1,360$1,062$820$627$476$201
24 years$1,289$995$758$572$428$173
25 years$1,225$933$702$523$385$148
26 years$1,165$877$651$478$347$127
27 years$1,110$826$605$437$313$109
28 years$1,059$778$562$401$282$94
29 years$1,011$734$523$367$255$81
30 years$967$693$487$337$230$70
31 years$926$655$454$310$208$60
32 years$887$620$424$285$188$52
33 years$851$587$396$262$170$44
34 years$817$556$370$241$154$38
35 years$785$528$346$222$140$33
36 years$754$501$323$204$127$28
37 years$726$476$303$188$115$24
38 years$699$452$284$173$104$21
39 years$674$430$266$160$94$18
40 years$649$409$249$147$86$16
41 years$626$389$233$136$78$13
42 years$605$371$219$126$70$12
43 years$584$353$206$116$64$10
44 years$564$337$193$107$58$9
45 years$546$321$181$99$53$7
46 years$528$306$170$91$48$6
47 years$511$292$160$84$43$6
48 years$494$279$150$78$39$5
49 years$479$267$141$72$36$4
50 years$464$255$133$67$33$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $475,000, adding $3,663 every year, while hoping to spend $23,495 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: 66/20/14 Blend
34$475,000$475,000$475,000$475,000
35$527,228$502,053$494,691$560,062
36$556,007$501,656$486,265$582,045
37$586,934$500,451$476,768$602,977
38$620,203$498,375$466,142$625,267
39$656,028$495,359$454,322$649,049
40$694,642$491,331$441,241$674,467
41$736,304$486,215$426,831$701,683
42$781,296$479,928$411,019$730,875
43$829,928$472,385$393,728$762,239
44$882,543$463,493$374,880$795,994
45$939,515$453,157$354,391$832,380
46$1,001,257$441,273$332,174$871,664
47$1,068,223$427,734$308,140$914,140
48$1,140,912$412,423$282,193$960,132
49$1,219,872$395,219$254,234$1,010,000
50$1,305,709$375,994$224,160$1,064,142
51$1,399,084$354,612$191,863$1,122,997
52$1,500,731$330,927$157,231$1,187,049
53$1,611,452$304,789$120,144$1,256,834
54$1,732,132$276,036$80,481$1,332,945
55$1,863,745$244,498$38,113$1,416,036
56$2,007,364$209,995$0$1,506,829
57$2,164,167$172,337$0$1,607,184
58$2,335,455$131,323$0$1,723,064
59$2,522,655$86,742$0$1,849,768
60$2,727,343$38,369$0$1,988,392
61$2,951,251$0$0$2,140,147
62$3,196,288$0$0$2,309,457
63$3,464,555$0$0$2,504,092
64$3,758,367$0$0$2,717,291
65$4,080,270$0$0$2,950,906
66$4,433,072$0$0$3,206,978
67$4,819,863$0$0$3,487,754
68$5,244,047$0$0$3,795,710
69$5,709,374$0$0$4,133,573
70$6,219,973$0$0$4,504,344
71$6,780,392$0$0$4,911,331
72$7,395,642$0$0$5,358,180
73$8,071,243$0$0$5,848,902
74$8,813,275$0$0$6,387,920
75$9,628,435$0$0$6,980,104
76$10,524,101$0$0$7,630,820
77$11,508,403$0$0$8,345,981
78$12,590,295$0$0$9,132,097
79$13,779,644$0$0$9,996,344
80$15,087,318$0$0$10,946,626
81$16,525,292$0$0$11,991,653
82$18,106,760$0$0$13,141,020
83$19,846,259$0$0$14,405,298
84$21,759,803$0$0$15,796,134
85$23,865,040$0$0$17,326,364
86$26,181,412$0$0$19,010,126
87$28,730,341$0$0$20,863,000
88$31,535,431$0$0$22,902,154
89$34,622,689$0$0$25,146,502
90$38,020,774$0$0$27,616,886
91$41,761,260$0$0$30,336,270
92$45,878,941$0$0$33,329,959
93$50,412,153$0$0$36,625,835
94$55,403,139$0$0$40,254,622
95$60,898,448$0$0$44,250,173
96$66,949,371$0$0$48,649,791
97$73,612,424$0$0$53,494,583
98$80,949,888$0$0$58,829,843
99$89,030,386$0$0$64,705,482
100$97,929,538$0$0$71,176,498