Can I retire at age 35 with 477,000?

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 $477,000?

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$39,390$39,039$38,697$38,363$38,037$36,716
2 years$19,500$19,137$18,785$18,444$18,113$16,796
3 years$12,871$12,506$12,155$11,817$11,491$10,220
4 years$9,557$9,193$8,846$8,514$8,196$6,979
5 years$7,569$7,208$6,865$6,539$6,230$5,072
6 years$6,244$5,886$5,548$5,229$4,930$3,830
7 years$5,298$4,943$4,610$4,299$4,009$2,968
8 years$4,589$4,237$3,910$3,607$3,326$2,343
9 years$4,038$3,689$3,368$3,072$2,801$1,875
10 years$3,597$3,252$2,936$2,648$2,387$1,516
11 years$3,237$2,895$2,585$2,305$2,053$1,235
12 years$2,937$2,598$2,294$2,022$1,779$1,013
13 years$2,683$2,348$2,049$1,785$1,551$834
14 years$2,466$2,134$1,841$1,584$1,360$690
15 years$2,278$1,950$1,663$1,413$1,197$573
16 years$2,113$1,789$1,507$1,265$1,058$477
17 years$1,968$1,647$1,372$1,137$938$398
18 years$1,840$1,522$1,252$1,024$834$332
19 years$1,725$1,411$1,146$926$743$278
20 years$1,621$1,311$1,052$838$664$233
21 years$1,528$1,221$968$761$594$195
22 years$1,443$1,140$892$692$533$164
23 years$1,366$1,066$823$630$478$138
24 years$1,295$999$762$575$430$116
25 years$1,230$937$705$525$387$97
26 years$1,170$881$654$480$348$82
27 years$1,114$829$607$439$314$69
28 years$1,063$781$565$402$283$58
29 years$1,015$737$525$369$256$49
30 years$971$696$489$339$231$41
31 years$929$658$456$311$209$35
32 years$891$623$426$286$189$29
33 years$854$590$398$263$171$25
34 years$820$559$371$242$155$21
35 years$788$530$347$223$140$17
36 years$758$503$325$205$127$15
37 years$729$478$304$189$115$12
38 years$702$454$285$174$104$10
39 years$676$432$267$161$95$9
40 years$652$411$250$148$86$7
41 years$629$391$234$137$78$6
42 years$607$372$220$126$71$5
43 years$587$355$206$116$64$4
44 years$567$338$194$107$58$4
45 years$548$323$182$99$53$3
46 years$530$308$171$92$48$3
47 years$513$294$161$85$44$2
48 years$496$280$151$78$40$2
49 years$481$268$142$72$36$2
50 years$466$256$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 $477,000, adding $5,820 every year, while hoping to spend $31,448 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: 56/17/27 Blend
34$477,000$477,000$477,000$477,000
35$531,657$506,376$498,983$557,190
36$552,426$497,728$482,238$566,732
37$574,259$487,603$463,879$573,355
38$597,232$475,893$443,817$579,927
39$621,426$462,489$421,962$586,452
40$646,932$447,271$398,218$592,939
41$673,846$430,114$372,485$599,397
42$702,274$410,886$344,659$605,839
43$732,333$389,446$314,632$612,281
44$764,148$365,646$282,289$618,742
45$797,857$339,329$247,512$625,248
46$833,611$310,329$210,177$631,827
47$871,575$278,470$170,153$638,512
48$911,929$243,568$127,306$645,346
49$954,869$205,427$81,495$652,374
50$1,000,612$163,839$32,571$659,652
51$1,049,394$118,587$0$667,244
52$1,101,473$69,439$0$680,882
53$1,157,133$16,151$0$705,374
54$1,216,685$0$0$731,473
55$1,280,469$0$0$767,108
56$1,348,858$0$0$808,585
57$1,422,264$0$0$853,135
58$1,501,136$0$0$901,034
59$1,585,967$0$0$952,587
60$1,677,299$0$0$1,008,127
61$1,775,729$0$0$1,068,020
62$1,881,911$0$0$1,132,671
63$1,996,562$0$0$1,202,520
64$2,120,472$0$0$1,278,056
65$2,254,510$0$0$1,359,811
66$2,399,628$0$0$1,448,375
67$2,556,876$0$0$1,544,392
68$2,727,407$0$0$1,648,575
69$2,912,488$0$0$1,761,703
70$3,113,515$0$0$1,884,638
71$3,332,021$0$0$2,018,324
72$3,569,693$0$0$2,163,801
73$3,828,389$0$0$2,322,215
74$4,110,151$0$0$2,494,825
75$4,417,229$0$0$2,683,017
76$4,752,095$0$0$2,888,317
77$5,117,473$0$0$3,112,403
78$5,516,360$0$0$3,357,126
79$5,952,057$0$0$3,624,518
80$6,428,195$0$0$3,916,821
81$6,948,773$0$0$4,236,501
82$7,518,195$0$0$4,586,273
83$8,141,308$0$0$4,969,128
84$8,823,451$0$0$5,388,359
85$9,570,503$0$0$5,847,590
86$10,388,935$0$0$6,350,817
87$11,285,879$0$0$6,902,436
88$12,269,184$0$0$7,507,291
89$13,347,500$0$0$8,170,717
90$14,530,349$0$0$8,898,589
91$15,828,224$0$0$9,697,379
92$17,252,679$0$0$10,574,217
93$18,816,442$0$0$11,536,955
94$20,533,535$0$0$12,594,243
95$22,419,403$0$0$13,755,611
96$24,491,060$0$0$15,031,557
97$26,767,249$0$0$16,433,644
98$29,268,620$0$0$17,974,614
99$32,017,921$0$0$19,668,502
100$35,040,213$0$0$21,530,771