Can I retire at age 35 with 481,000?

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 $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%18.5%
1 years$39,721$39,367$39,022$38,685$38,356$37,039
2 years$19,664$19,297$18,942$18,598$18,265$16,951
3 years$12,979$12,611$12,257$11,916$11,588$10,319
4 years$9,637$9,270$8,920$8,585$8,265$7,051
5 years$7,633$7,268$6,922$6,594$6,283$5,126
6 years$6,297$5,935$5,594$5,273$4,971$3,874
7 years$5,343$4,984$4,649$4,335$4,043$3,004
8 years$4,628$4,272$3,943$3,637$3,354$2,372
9 years$4,072$3,720$3,396$3,098$2,825$1,899
10 years$3,628$3,279$2,960$2,670$2,407$1,536
11 years$3,264$2,919$2,606$2,324$2,070$1,253
12 years$2,962$2,620$2,313$2,038$1,794$1,028
13 years$2,706$2,368$2,067$1,800$1,564$847
14 years$2,487$2,152$1,857$1,598$1,371$702
15 years$2,297$1,966$1,676$1,425$1,207$583
16 years$2,131$1,804$1,520$1,276$1,067$485
17 years$1,985$1,661$1,383$1,146$946$405
18 years$1,855$1,535$1,263$1,033$841$339
19 years$1,739$1,423$1,156$933$750$284
20 years$1,635$1,322$1,061$845$670$238
21 years$1,541$1,231$976$767$599$200
22 years$1,455$1,149$899$698$537$168
23 years$1,377$1,075$830$635$482$141
24 years$1,306$1,007$768$579$433$119
25 years$1,240$945$711$529$390$100
26 years$1,180$888$660$484$351$84
27 years$1,124$836$613$443$317$71
28 years$1,072$788$569$406$286$60
29 years$1,024$743$530$372$258$50
30 years$979$702$494$341$233$42
31 years$937$664$460$314$211$36
32 years$898$628$429$288$191$30
33 years$861$595$401$265$173$25
34 years$827$564$375$244$156$21
35 years$794$534$350$224$142$18
36 years$764$507$328$207$128$15
37 years$735$482$307$190$116$13
38 years$708$458$287$176$105$11
39 years$682$435$269$162$96$9
40 years$658$414$252$149$87$8
41 years$634$394$236$138$79$7
42 years$612$376$222$127$71$5
43 years$591$358$208$117$65$5
44 years$571$341$195$108$59$4
45 years$552$325$183$100$53$3
46 years$534$310$172$92$48$3
47 years$517$296$162$85$44$2
48 years$501$283$152$79$40$2
49 years$485$270$143$73$36$2
50 years$470$258$134$67$33$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $481,000, adding $5,931 every year, while hoping to spend $22,173 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: 52/41/7 Blend
34$481,000$481,000$481,000$481,000
35$536,180$510,687$503,231$562,838
36$567,278$512,119$496,498$583,030
37$600,806$512,877$488,795$602,068
38$636,986$512,907$480,068$622,240
39$676,066$512,147$470,258$643,657
40$718,317$510,534$459,304$666,444
41$764,037$508,001$447,142$690,737
42$813,551$504,476$433,704$716,689
43$867,221$499,883$418,921$744,466
44$925,442$494,142$402,719$774,258
45$988,650$487,167$385,022$806,270
46$1,057,322$478,868$365,750$840,732
47$1,131,985$469,149$344,819$877,899
48$1,213,218$457,908$322,142$918,053
49$1,301,659$445,039$297,626$961,506
50$1,398,009$430,426$271,177$1,008,604
51$1,503,040$413,951$242,695$1,059,731
52$1,617,600$395,484$212,076$1,115,310
53$1,742,624$374,892$179,210$1,175,813
54$1,879,142$352,033$143,984$1,241,758
55$2,028,287$326,754$106,279$1,313,721
56$2,191,304$298,897$65,971$1,392,341
57$2,369,567$268,293$22,931$1,478,321
58$2,564,588$234,764$0$1,572,442
59$2,778,030$198,122$0$1,677,283
60$3,011,727$158,168$0$1,794,022
61$3,267,697$114,692$0$1,922,009
62$3,548,162$67,472$0$2,062,423
63$3,855,570$16,273$0$2,216,566
64$4,192,617$0$0$2,385,875
65$4,562,272$0$0$2,589,604
66$4,967,804$0$0$2,821,210
67$5,412,817$0$0$3,075,416
68$5,901,277$0$0$3,354,493
69$6,437,555$0$0$3,660,946
70$7,026,466$0$0$3,997,532
71$7,673,312$0$0$4,367,290
72$8,383,937$0$0$4,773,567
73$9,164,775$0$0$5,220,050
74$10,022,918$0$0$5,710,800
75$10,966,176$0$0$6,250,294
76$12,003,156$0$0$6,843,461
77$13,143,338$0$0$7,495,734
78$14,397,168$0$0$8,213,097
79$15,776,155$0$0$9,002,145
80$17,292,979$0$0$9,870,141
81$18,961,610$0$0$10,825,092
82$20,797,440$0$0$11,875,815
83$22,817,431$0$0$13,032,029
84$25,040,268$0$0$14,304,440
85$27,486,542$0$0$15,704,847
86$30,178,938$0$0$17,246,248
87$33,142,455$0$0$18,942,966
88$36,404,637$0$0$20,810,783
89$39,995,834$0$0$22,867,091
90$43,949,487$0$0$25,131,050
91$48,302,446$0$0$27,623,776
92$53,095,315$0$0$30,368,535
93$58,372,837$0$0$33,390,965
94$64,184,313$0$0$36,719,314
95$70,584,069$0$0$40,384,713
96$77,631,968$0$0$44,421,463
97$85,393,975$0$0$48,867,364
98$93,942,778$0$0$53,764,066
99$103,358,476$0$0$59,157,467
100$113,729,331$0$0$65,098,143