Can I retire at age 35 with 478,000?

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 $478,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$39,473$39,121$38,778$38,443$38,116$37,734
2 years$19,541$19,177$18,824$18,482$18,151$17,766
3 years$12,898$12,532$12,181$11,842$11,516$11,140
4 years$9,577$9,213$8,864$8,531$8,213$7,849
5 years$7,585$7,223$6,879$6,553$6,243$5,893
6 years$6,257$5,898$5,559$5,240$4,940$4,603
7 years$5,310$4,953$4,620$4,308$4,018$3,694
8 years$4,599$4,246$3,918$3,614$3,333$3,023
9 years$4,047$3,697$3,375$3,079$2,807$2,511
10 years$3,605$3,258$2,942$2,654$2,392$2,109
11 years$3,244$2,901$2,590$2,310$2,057$1,787
12 years$2,943$2,604$2,299$2,026$1,782$1,526
13 years$2,689$2,353$2,054$1,788$1,554$1,310
14 years$2,471$2,139$1,845$1,588$1,363$1,131
15 years$2,283$1,954$1,666$1,416$1,200$980
16 years$2,118$1,793$1,510$1,268$1,060$852
17 years$1,972$1,651$1,374$1,139$940$743
18 years$1,843$1,525$1,255$1,027$836$650
19 years$1,728$1,414$1,149$928$745$569
20 years$1,625$1,314$1,054$840$665$500
21 years$1,531$1,224$970$762$596$440
22 years$1,446$1,142$894$693$534$387
23 years$1,368$1,068$825$631$479$341
24 years$1,298$1,001$763$576$431$301
25 years$1,232$939$707$526$388$266
26 years$1,172$883$656$481$349$235
27 years$1,117$831$609$440$315$208
28 years$1,065$783$566$403$284$184
29 years$1,018$739$527$370$256$163
30 years$973$698$491$339$232$145
31 years$931$659$457$312$209$128
32 years$893$624$427$286$190$114
33 years$856$591$398$263$172$101
34 years$822$560$372$242$155$90
35 years$790$531$348$223$141$80
36 years$759$504$326$205$127$71
37 years$731$479$305$189$115$63
38 years$703$455$285$174$105$56
39 years$678$433$267$161$95$50
40 years$654$412$251$148$86$44
41 years$630$392$235$137$78$39
42 years$609$373$220$126$71$35
43 years$588$356$207$117$64$31
44 years$568$339$194$108$58$27
45 years$549$323$182$99$53$24
46 years$531$308$171$92$48$22
47 years$514$294$161$85$44$19
48 years$497$281$151$78$40$17
49 years$482$268$142$72$36$15
50 years$467$256$134$67$33$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $478,000, adding $5,617 every year, while hoping to spend $33,301 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: 55/31/14 Blend
34$478,000$478,000$478,000$478,000
35$532,550$507,216$499,807$559,597
36$551,438$496,638$481,118$568,033
37$571,137$484,425$460,688$573,130
38$591,693$470,462$438,421$577,914
39$613,159$454,628$414,222$582,364
40$635,589$436,793$387,986$586,457
41$659,044$416,820$359,608$590,168
42$683,588$394,566$328,977$593,474
43$709,291$369,876$295,974$596,351
44$736,229$342,590$260,480$598,774
45$764,484$312,537$222,365$600,720
46$794,145$279,536$181,499$602,166
47$825,311$243,395$137,742$603,087
48$858,085$203,914$90,948$603,461
49$892,582$160,879$40,968$603,267
50$928,929$114,065$0$602,485
51$967,259$63,234$0$602,942
52$1,007,722$8,135$0$609,427
53$1,050,479$0$0$615,825
54$1,095,707$0$0$639,717
55$1,143,597$0$0$667,975
56$1,194,360$0$0$697,950
57$1,248,225$0$0$729,780
58$1,305,444$0$0$763,617
59$1,366,291$0$0$799,627
60$1,431,066$0$0$837,990
61$1,500,100$0$0$878,905
62$1,573,751$0$0$922,591
63$1,652,415$0$0$969,284
64$1,736,524$0$0$1,019,247
65$1,826,552$0$0$1,072,766
66$1,923,020$0$0$1,130,154
67$2,026,497$0$0$1,191,757
68$2,137,610$0$0$1,257,953
69$2,257,046$0$0$1,329,156
70$2,385,557$0$0$1,405,824
71$2,523,974$0$0$1,488,456
72$2,673,204$0$0$1,577,603
73$2,834,247$0$0$1,673,868
74$3,008,200$0$0$1,777,916
75$3,196,269$0$0$1,890,477
76$3,399,781$0$0$2,012,351
77$3,620,191$0$0$2,144,422
78$3,859,103$0$0$2,287,658
79$4,118,278$0$0$2,443,127
80$4,399,653$0$0$2,612,000
81$4,705,360$0$0$2,795,568
82$5,037,743$0$0$2,995,250
83$5,399,380$0$0$3,212,608
84$5,793,110$0$0$3,449,359
85$6,222,055$0$0$3,707,394
86$6,689,650$0$0$3,988,794
87$7,199,678$0$0$4,295,849
88$7,756,301$0$0$4,631,080
89$8,364,100$0$0$4,997,262
90$9,028,120$0$0$5,397,449
91$9,753,912$0$0$5,835,006
92$10,547,590$0$0$6,313,634
93$11,415,885$0$0$6,837,410
94$12,366,208$0$0$7,410,826
95$13,406,720$0$0$8,038,824
96$14,546,408$0$0$8,726,848
97$15,795,168$0$0$9,480,895
98$17,163,899$0$0$10,307,568
99$18,664,607$0$0$11,214,140
100$20,310,512$0$0$12,208,620