Can I retire at age 35 with 479,000?

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 $479,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$39,555$39,203$38,859$38,524$38,196$37,227
2 years$19,582$19,217$18,864$18,521$18,189$17,219
3 years$12,925$12,559$12,206$11,867$11,540$10,599
4 years$9,597$9,232$8,883$8,549$8,230$7,326
5 years$7,601$7,238$6,893$6,567$6,256$5,392
6 years$6,271$5,910$5,571$5,251$4,951$4,126
7 years$5,321$4,963$4,630$4,317$4,026$3,242
8 years$4,609$4,255$3,926$3,622$3,340$2,595
9 years$4,055$3,704$3,382$3,085$2,813$2,107
10 years$3,612$3,265$2,948$2,659$2,397$1,729
11 years$3,251$2,907$2,596$2,314$2,061$1,431
12 years$2,949$2,609$2,303$2,030$1,786$1,192
13 years$2,694$2,358$2,058$1,792$1,558$998
14 years$2,476$2,143$1,849$1,591$1,365$840
15 years$2,287$1,958$1,670$1,419$1,202$709
16 years$2,122$1,796$1,514$1,270$1,062$600
17 years$1,977$1,654$1,377$1,141$942$509
18 years$1,847$1,529$1,257$1,029$838$433
19 years$1,732$1,417$1,151$929$747$369
20 years$1,628$1,317$1,056$842$667$315
21 years$1,534$1,226$972$764$597$269
22 years$1,449$1,145$896$695$535$230
23 years$1,371$1,071$827$633$480$197
24 years$1,300$1,003$765$577$432$169
25 years$1,235$941$708$527$388$145
26 years$1,175$885$657$482$350$124
27 years$1,119$833$610$441$315$107
28 years$1,068$785$567$404$285$91
29 years$1,020$740$528$371$257$79
30 years$975$699$492$340$232$67
31 years$933$661$458$312$210$58
32 years$894$625$428$287$190$50
33 years$858$592$399$264$172$43
34 years$823$561$373$243$156$37
35 years$791$532$349$224$141$32
36 years$761$505$326$206$128$27
37 years$732$480$305$190$116$23
38 years$705$456$286$175$105$20
39 years$679$434$268$161$95$17
40 years$655$413$251$149$86$15
41 years$632$393$235$137$78$13
42 years$610$374$221$127$71$11
43 years$589$356$207$117$64$9
44 years$569$340$195$108$59$8
45 years$550$324$183$100$53$7
46 years$532$309$172$92$48$6
47 years$515$295$161$85$44$5
48 years$498$282$151$79$40$4
49 years$483$269$142$73$36$4
50 years$468$257$134$67$33$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $479,000, adding $5,965 every year, while hoping to spend $36,210 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: 44/46/10 Blend
34$479,000$479,000$479,000$479,000
35$534,011$508,624$501,199$555,726
36$549,953$495,019$479,462$557,807
37$566,307$479,534$455,784$555,903
38$583,078$462,039$430,060$553,023
39$600,268$442,395$402,183$549,089
40$617,880$420,457$372,040$544,022
41$635,914$396,069$339,514$537,734
42$654,370$369,070$304,481$530,134
43$673,247$339,286$266,812$521,126
44$692,542$306,534$226,374$510,605
45$712,249$270,622$183,025$498,461
46$732,362$231,346$136,620$484,579
47$752,872$188,491$87,006$468,834
48$773,767$141,829$34,023$451,094
49$795,032$91,120$0$431,219
50$816,650$36,109$0$411,464
51$838,599$0$0$393,296
52$860,855$0$0$384,814
53$883,388$0$0$394,713
54$906,163$0$0$404,697
55$929,140$0$0$414,745
56$952,273$0$0$424,835
57$975,509$0$0$434,939
58$998,787$0$0$445,027
59$1,022,038$0$0$455,065
60$1,045,185$0$0$465,012
61$1,068,137$0$0$474,826
62$1,090,796$0$0$484,455
63$1,113,048$0$0$493,844
64$1,134,765$0$0$502,930
65$1,155,806$0$0$511,643
66$1,176,010$0$0$519,902
67$1,195,197$0$0$527,621
68$1,213,167$0$0$534,699
69$1,229,696$0$0$541,027
70$1,244,534$0$0$546,482
71$1,257,401$0$0$550,926
72$1,267,988$0$0$554,209
73$1,275,948$0$0$556,159
74$1,280,896$0$0$556,589
75$1,282,406$0$0$555,289
76$1,280,002$0$0$552,028
77$1,273,156$0$0$546,547
78$1,261,284$0$0$538,561
79$1,243,736$0$0$527,753
80$1,219,793$0$0$513,771
81$1,188,657$0$0$496,227
82$1,149,446$0$0$474,690
83$1,101,180$0$0$448,683
84$1,042,778$0$0$417,680
85$973,042$0$0$381,096
86$890,645$0$0$338,286
87$794,122$0$0$288,536
88$681,851$0$0$231,058
89$552,040$0$0$164,979
90$402,709$0$0$89,337
91$231,669$0$0$3,066
92$36,501$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0