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%13.1%
1 years$39,225$38,876$38,535$38,202$37,877$37,388
2 years$19,418$19,057$18,706$18,366$18,037$17,545
3 years$12,817$12,454$12,104$11,768$11,443$10,964
4 years$9,517$9,155$8,809$8,478$8,161$7,698
5 years$7,537$7,178$6,836$6,512$6,204$5,758
6 years$6,218$5,861$5,524$5,208$4,909$4,481
7 years$5,276$4,922$4,591$4,281$3,992$3,582
8 years$4,570$4,219$3,893$3,592$3,312$2,920
9 years$4,021$3,673$3,353$3,059$2,789$2,415
10 years$3,582$3,238$2,924$2,637$2,377$2,020
11 years$3,223$2,883$2,574$2,295$2,044$1,705
12 years$2,925$2,587$2,284$2,013$1,771$1,449
13 years$2,672$2,338$2,041$1,777$1,545$1,239
14 years$2,456$2,125$1,834$1,578$1,354$1,064
15 years$2,268$1,941$1,656$1,407$1,192$918
16 years$2,104$1,781$1,501$1,260$1,054$794
17 years$1,960$1,640$1,366$1,132$934$689
18 years$1,832$1,516$1,247$1,020$831$600
19 years$1,717$1,405$1,141$922$740$523
20 years$1,614$1,306$1,048$835$661$457
21 years$1,521$1,216$964$758$592$399
22 years$1,437$1,135$888$689$530$350
23 years$1,360$1,062$820$627$476$307
24 years$1,289$995$758$572$428$269
25 years$1,225$933$702$523$385$237
26 years$1,165$877$651$478$347$208
27 years$1,110$826$605$437$313$183
28 years$1,059$778$562$401$282$161
29 years$1,011$734$523$367$255$142
30 years$967$693$487$337$230$125
31 years$926$655$454$310$208$110
32 years$887$620$424$285$188$97
33 years$851$587$396$262$170$86
34 years$817$556$370$241$154$76
35 years$785$528$346$222$140$67
36 years$754$501$323$204$127$59
37 years$726$476$303$188$115$52
38 years$699$452$284$173$104$46
39 years$674$430$266$160$94$41
40 years$649$409$249$147$86$36
41 years$626$389$233$136$78$32
42 years$605$371$219$126$70$28
43 years$584$353$206$116$64$25
44 years$564$337$193$107$58$22
45 years$546$321$181$99$53$19
46 years$528$306$170$91$48$17
47 years$511$292$160$84$43$15
48 years$494$279$150$78$39$13
49 years$479$267$141$72$36$12
50 years$464$255$133$67$33$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $475,000, adding $3,337 every year, while hoping to spend $26,629 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: 60/23/17 Blend
34$475,000$475,000$475,000$475,000
35$526,892$501,717$494,355$556,017
36$552,302$497,968$482,582$572,329
37$579,411$493,143$469,523$586,865
38$608,365$487,161$455,106$602,105
39$639,323$479,936$439,257$618,120
40$672,458$471,378$421,896$634,991
41$707,963$461,390$402,944$652,806
42$746,048$449,870$382,315$671,665
43$786,942$436,711$359,920$691,679
44$830,898$421,798$335,665$712,970
45$878,194$405,010$309,455$735,676
46$929,135$386,220$281,186$759,950
47$984,054$365,293$250,753$785,962
48$1,043,320$342,084$218,046$813,900
49$1,107,336$316,444$182,948$843,976
50$1,176,545$288,211$145,338$876,422
51$1,251,437$257,217$105,091$911,499
52$1,332,546$223,284$62,074$949,495
53$1,420,463$186,221$16,150$990,729
54$1,515,835$145,831$0$1,035,558
55$1,619,375$101,901$0$1,090,335
56$1,731,867$54,211$0$1,153,052
57$1,854,174$2,524$0$1,221,289
58$1,987,244$0$0$1,295,613
59$2,132,122$0$0$1,390,169
60$2,289,956$0$0$1,493,912
61$2,462,011$0$0$1,607,038
62$2,649,677$0$0$1,730,466
63$2,854,486$0$0$1,865,209
64$3,078,124$0$0$2,012,380
65$3,322,445$0$0$2,173,205
66$3,589,494$0$0$2,349,034
67$3,881,519$0$0$2,541,354
68$4,200,996$0$0$2,751,801
69$4,550,652$0$0$2,982,178
70$4,933,489$0$0$3,234,469
71$5,352,814$0$0$3,510,858
72$5,812,267$0$0$3,813,753
73$6,315,858$0$0$4,145,804
74$6,868,005$0$0$4,509,931
75$7,473,570$0$0$4,909,348
76$8,137,911$0$0$5,347,597
77$8,866,929$0$0$5,828,578
78$9,667,123$0$0$6,356,588
79$10,545,655$0$0$6,936,361
80$11,510,409$0$0$7,573,109
81$12,570,076$0$0$8,272,577
82$13,734,225$0$0$9,041,091
83$15,013,400$0$0$9,885,622
84$16,419,216$0$0$10,813,850
85$17,964,472$0$0$11,834,232
86$19,663,264$0$0$12,956,092
87$21,531,125$0$0$14,189,696
88$23,585,167$0$0$15,546,358
89$25,844,244$0$0$17,038,543
90$28,329,129$0$0$18,679,984
91$31,062,709$0$0$20,485,813
92$34,070,200$0$0$22,472,701
93$37,379,386$0$0$24,659,018
94$41,020,882$0$0$27,065,004
95$45,028,417$0$0$29,712,959
96$49,439,158$0$0$32,627,456
97$54,294,056$0$0$35,835,571
98$59,638,236$0$0$39,367,137
99$65,521,416$0$0$43,255,028
100$71,998,384$0$0$47,535,465