Can I retire at age 35 with 481,000?

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 $481,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$39,721$39,367$39,022$38,685$38,356$37,597
2 years$19,664$19,297$18,942$18,598$18,265$17,503
3 years$12,979$12,611$12,257$11,916$11,588$10,848
4 years$9,637$9,270$8,920$8,585$8,265$7,551
5 years$7,633$7,268$6,922$6,594$6,283$5,598
6 years$6,297$5,935$5,594$5,273$4,971$4,317
7 years$5,343$4,984$4,649$4,335$4,043$3,418
8 years$4,628$4,272$3,943$3,637$3,354$2,759
9 years$4,072$3,720$3,396$3,098$2,825$2,259
10 years$3,628$3,279$2,960$2,670$2,407$1,870
11 years$3,264$2,919$2,606$2,324$2,070$1,561
12 years$2,962$2,620$2,313$2,038$1,794$1,312
13 years$2,706$2,368$2,067$1,800$1,564$1,110
14 years$2,487$2,152$1,857$1,598$1,371$942
15 years$2,297$1,966$1,676$1,425$1,207$803
16 years$2,131$1,804$1,520$1,276$1,067$687
17 years$1,985$1,661$1,383$1,146$946$589
18 years$1,855$1,535$1,263$1,033$841$506
19 years$1,739$1,423$1,156$933$750$436
20 years$1,635$1,322$1,061$845$670$376
21 years$1,541$1,231$976$767$599$325
22 years$1,455$1,149$899$698$537$281
23 years$1,377$1,075$830$635$482$243
24 years$1,306$1,007$768$579$433$210
25 years$1,240$945$711$529$390$182
26 years$1,180$888$660$484$351$158
27 years$1,124$836$613$443$317$137
28 years$1,072$788$569$406$286$119
29 years$1,024$743$530$372$258$104
30 years$979$702$494$341$233$90
31 years$937$664$460$314$211$78
32 years$898$628$429$288$191$68
33 years$861$595$401$265$173$59
34 years$827$564$375$244$156$51
35 years$794$534$350$224$142$45
36 years$764$507$328$207$128$39
37 years$735$482$307$190$116$34
38 years$708$458$287$176$105$30
39 years$682$435$269$162$96$26
40 years$658$414$252$149$87$22
41 years$634$394$236$138$79$19
42 years$612$376$222$127$71$17
43 years$591$358$208$117$65$15
44 years$571$341$195$108$59$13
45 years$552$325$183$100$53$11
46 years$534$310$172$92$48$10
47 years$517$296$162$85$44$8
48 years$501$283$152$79$40$7
49 years$485$270$143$73$36$6
50 years$470$258$134$67$33$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $481,000, adding $6,109 every year, while hoping to spend $23,136 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: 76/9/15 Blend
34$481,000$481,000$481,000$481,000
35$536,363$510,870$503,415$574,940
36$566,456$511,287$495,663$601,669
37$598,843$510,948$486,876$627,467
38$633,733$509,792$476,994$655,117
39$671,357$507,755$465,957$684,796
40$711,967$504,767$453,698$716,700
41$755,842$500,755$440,151$751,043
42$803,287$495,641$425,245$788,064
43$854,637$489,342$408,906$828,024
44$910,261$481,772$391,056$871,213
45$970,565$472,836$371,614$917,947
46$1,035,995$462,437$350,495$968,580
47$1,107,042$450,472$327,612$1,023,498
48$1,184,245$436,829$302,871$1,083,128
49$1,268,197$421,393$276,177$1,147,942
50$1,359,552$404,041$247,428$1,218,460
51$1,459,028$384,641$216,518$1,295,254
52$1,567,417$363,055$183,339$1,378,957
53$1,685,587$339,138$147,774$1,470,266
54$1,814,496$312,736$109,704$1,569,950
55$1,955,199$283,684$69,004$1,678,857
56$2,108,856$251,812$25,542$1,797,923
57$2,276,745$216,936$0$1,928,179
58$2,460,270$178,863$0$2,074,097
59$2,660,981$137,391$0$2,238,177
60$2,880,583$92,304$0$2,417,733
61$3,120,951$43,376$0$2,614,315
62$3,384,153$0$0$2,829,633
63$3,672,465$0$0$3,066,522
64$3,988,393$0$0$3,330,827
65$4,334,698$0$0$3,620,565
66$4,714,420$0$0$3,938,280
67$5,130,908$0$0$4,286,777
68$5,587,849$0$0$4,669,145
69$6,089,307$0$0$5,088,786
70$6,639,755$0$0$5,549,446
71$7,244,123$0$0$6,055,255
72$7,907,840$0$0$6,610,759
73$8,636,889$0$0$7,220,967
74$9,437,857$0$0$7,891,397
75$10,318,005$0$0$8,628,129
76$11,285,329$0$0$9,437,859
77$12,348,638$0$0$10,327,966
78$13,517,639$0$0$11,306,579
79$14,803,026$0$0$12,382,653
80$16,216,580$0$0$13,566,055
81$17,771,282$0$0$14,867,655
82$19,481,432$0$0$16,299,431
83$21,362,788$0$0$17,874,580
84$23,432,711$0$0$19,607,641
85$25,710,330$0$0$21,514,634
86$28,216,722$0$0$23,613,212
87$30,975,110$0$0$25,922,823
88$34,011,083$0$0$28,464,898
89$37,352,835$0$0$31,263,050
90$41,031,433$0$0$34,343,298
91$45,081,110$0$0$37,734,310
92$49,539,584$0$0$41,467,678
93$54,448,419$0$0$45,578,210
94$59,853,413$0$0$50,104,262
95$65,805,031$0$0$55,088,100
96$72,358,881$0$0$60,576,295
97$79,576,238$0$0$66,620,166
98$87,524,623$0$0$73,276,262
99$96,278,439$0$0$80,606,896
100$105,919,673$0$0$88,680,733