Can I retire at age 35 with 482,000?

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 $482,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$39,803$39,449$39,103$38,765$38,435$37,659
2 years$19,705$19,338$18,982$18,637$18,303$17,524
3 years$13,006$12,637$12,283$11,941$11,612$10,855
4 years$9,657$9,290$8,939$8,603$8,282$7,553
5 years$7,649$7,283$6,937$6,608$6,296$5,597
6 years$6,310$5,947$5,606$5,284$4,982$4,313
7 years$5,354$4,995$4,658$4,344$4,051$3,413
8 years$4,637$4,281$3,951$3,644$3,361$2,754
9 years$4,080$3,728$3,403$3,104$2,830$2,253
10 years$3,635$3,286$2,967$2,676$2,412$1,864
11 years$3,271$2,925$2,612$2,329$2,074$1,555
12 years$2,968$2,625$2,318$2,043$1,797$1,307
13 years$2,711$2,373$2,071$1,803$1,567$1,104
14 years$2,492$2,157$1,861$1,601$1,374$937
15 years$2,302$1,970$1,680$1,428$1,210$798
16 years$2,135$1,808$1,523$1,278$1,069$682
17 years$1,989$1,665$1,386$1,149$948$584
18 years$1,859$1,538$1,265$1,035$843$502
19 years$1,743$1,426$1,158$935$751$432
20 years$1,638$1,325$1,063$847$671$372
21 years$1,544$1,234$978$769$601$321
22 years$1,458$1,152$901$699$538$277
23 years$1,380$1,077$832$637$483$240
24 years$1,308$1,009$770$581$434$208
25 years$1,243$947$713$530$391$180
26 years$1,182$890$661$485$352$156
27 years$1,126$838$614$444$317$135
28 years$1,074$789$571$407$286$117
29 years$1,026$745$531$373$259$102
30 years$981$703$495$342$234$88
31 years$939$665$461$314$211$77
32 years$900$629$430$289$191$67
33 years$863$596$402$266$173$58
34 years$829$565$375$244$157$50
35 years$796$536$351$225$142$44
36 years$766$508$328$207$128$38
37 years$737$483$307$191$116$33
38 years$709$459$288$176$106$29
39 years$683$436$270$162$96$25
40 years$659$415$253$150$87$22
41 years$636$395$237$138$79$19
42 years$614$376$222$127$71$16
43 years$593$359$209$118$65$14
44 years$573$342$196$109$59$12
45 years$554$326$184$100$53$11
46 years$535$311$173$93$49$9
47 years$518$297$162$86$44$8
48 years$502$283$152$79$40$7
49 years$486$271$143$73$36$6
50 years$471$258$135$68$33$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $482,000, adding $2,465 every year, while hoping to spend $34,642 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: 67/24/9 Blend
34$482,000$482,000$482,000$482,000
35$533,707$508,161$500,690$568,352
36$551,286$496,202$480,604$579,727
37$569,497$482,496$458,684$587,780
38$588,368$466,921$434,833$595,673
39$607,929$449,347$408,947$603,386
40$628,211$429,638$380,919$610,898
41$649,247$407,648$350,639$618,186
42$671,073$383,226$317,988$625,228
43$693,726$356,208$282,844$632,000
44$717,248$326,424$245,081$638,476
45$741,681$293,692$204,565$644,630
46$767,071$257,822$161,157$650,436
47$793,468$218,610$114,711$655,865
48$820,924$175,845$65,076$660,889
49$849,496$129,299$12,094$665,479
50$879,244$78,735$0$669,603
51$910,235$23,901$0$677,499
52$942,538$0$0$686,385
53$976,229$0$0$704,449
54$1,011,389$0$0$729,894
55$1,048,107$0$0$756,474
56$1,086,477$0$0$784,256
57$1,126,601$0$0$813,316
58$1,168,592$0$0$843,737
59$1,212,568$0$0$875,605
60$1,258,660$0$0$909,017
61$1,307,010$0$0$944,076
62$1,357,770$0$0$980,895
63$1,411,108$0$0$1,019,596
64$1,467,203$0$0$1,060,311
65$1,526,254$0$0$1,103,187
66$1,588,473$0$0$1,148,379
67$1,654,095$0$0$1,196,060
68$1,723,374$0$0$1,246,417
69$1,796,587$0$0$1,299,653
70$1,874,036$0$0$1,355,992
71$1,956,053$0$0$1,415,676
72$2,042,997$0$0$1,478,971
73$2,135,264$0$0$1,546,167
74$2,233,284$0$0$1,617,582
75$2,337,530$0$0$1,693,564
76$2,448,516$0$0$1,774,491
77$2,566,809$0$0$1,860,781
78$2,693,027$0$0$1,952,889
79$2,827,848$0$0$2,051,315
80$2,972,014$0$0$2,156,606
81$3,126,341$0$0$2,269,363
82$3,291,722$0$0$2,390,243
83$3,469,136$0$0$2,519,970
84$3,659,658$0$0$2,659,335
85$3,864,469$0$0$2,809,209
86$4,084,863$0$0$2,970,546
87$4,322,264$0$0$3,144,396
88$4,578,233$0$0$3,331,911
89$4,854,486$0$0$3,534,356
90$5,152,910$0$0$3,753,122
91$5,475,575$0$0$3,989,737
92$5,824,760$0$0$4,245,882
93$6,202,968$0$0$4,523,402
94$6,612,952$0$0$4,824,330
95$7,057,739$0$0$5,150,898
96$7,540,657$0$0$5,505,563
97$8,065,368$0$0$5,891,025
98$8,635,900$0$0$6,310,257
99$9,256,685$0$0$6,766,529
100$9,932,596$0$0$7,263,438