Can I retire at age 35 with 482,000?

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 $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%14.7%
1 years$39,803$39,449$39,103$38,765$38,435$37,690
2 years$19,705$19,338$18,982$18,637$18,303$17,555
3 years$13,006$12,637$12,283$11,941$11,612$10,885
4 years$9,657$9,290$8,939$8,603$8,282$7,581
5 years$7,649$7,283$6,937$6,608$6,296$5,623
6 years$6,310$5,947$5,606$5,284$4,982$4,338
7 years$5,354$4,995$4,658$4,344$4,051$3,437
8 years$4,637$4,281$3,951$3,644$3,361$2,776
9 years$4,080$3,728$3,403$3,104$2,830$2,274
10 years$3,635$3,286$2,967$2,676$2,412$1,884
11 years$3,271$2,925$2,612$2,329$2,074$1,574
12 years$2,968$2,625$2,318$2,043$1,797$1,324
13 years$2,711$2,373$2,071$1,803$1,567$1,120
14 years$2,492$2,157$1,861$1,601$1,374$952
15 years$2,302$1,970$1,680$1,428$1,210$812
16 years$2,135$1,808$1,523$1,278$1,069$695
17 years$1,989$1,665$1,386$1,149$948$596
18 years$1,859$1,538$1,265$1,035$843$513
19 years$1,743$1,426$1,158$935$751$442
20 years$1,638$1,325$1,063$847$671$381
21 years$1,544$1,234$978$769$601$329
22 years$1,458$1,152$901$699$538$285
23 years$1,380$1,077$832$637$483$247
24 years$1,308$1,009$770$581$434$214
25 years$1,243$947$713$530$391$186
26 years$1,182$890$661$485$352$161
27 years$1,126$838$614$444$317$140
28 years$1,074$789$571$407$286$122
29 years$1,026$745$531$373$259$106
30 years$981$703$495$342$234$92
31 years$939$665$461$314$211$80
32 years$900$629$430$289$191$70
33 years$863$596$402$266$173$61
34 years$829$565$375$244$157$53
35 years$796$536$351$225$142$46
36 years$766$508$328$207$128$40
37 years$737$483$307$191$116$35
38 years$709$459$288$176$106$30
39 years$683$436$270$162$96$26
40 years$659$415$253$150$87$23
41 years$636$395$237$138$79$20
42 years$614$376$222$127$71$18
43 years$593$359$209$118$65$15
44 years$573$342$196$109$59$13
45 years$554$326$184$100$53$12
46 years$535$311$173$93$49$10
47 years$518$297$162$86$44$9
48 years$502$283$152$79$40$8
49 years$486$271$143$73$36$7
50 years$471$258$135$68$33$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $482,000, adding $5,390 every year, while hoping to spend $24,737 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: 28/42/30 Blend
34$482,000$482,000$482,000$482,000
35$536,724$511,178$503,707$546,671
36$565,150$509,906$494,261$553,840
37$595,646$507,742$483,670$559,062
38$628,397$504,617$471,868$564,183
39$663,608$500,457$458,790$569,212
40$701,499$495,183$444,363$574,161
41$742,317$488,712$428,514$579,046
42$786,331$480,956$411,166$583,888
43$833,835$471,821$392,239$588,712
44$885,154$461,208$371,647$593,548
45$940,645$449,013$349,303$598,433
46$1,000,701$435,125$325,114$603,409
47$1,065,751$419,425$298,984$608,530
48$1,136,271$401,789$270,813$613,854
49$1,212,781$382,087$240,495$619,453
50$1,295,854$360,179$207,921$625,407
51$1,386,120$335,917$172,976$631,811
52$1,484,274$309,146$135,540$638,774
53$1,591,077$279,702$95,488$646,419
54$1,707,370$247,410$52,690$654,889
55$1,834,075$212,087$7,009$664,345
56$1,972,210$173,538$0$674,971
57$2,122,893$131,559$0$700,338
58$2,287,356$85,933$0$730,584
59$2,466,953$36,431$0$763,779
60$2,663,178$0$0$800,278
61$2,877,672$0$0$848,419
62$3,112,244$0$0$919,554
63$3,368,886$0$0$997,459
64$3,649,790$0$0$1,082,810
65$3,957,370$0$0$1,176,351
66$4,294,285$0$0$1,278,900
67$4,663,464$0$0$1,391,361
68$5,068,130$0$0$1,514,725
69$5,511,836$0$0$1,650,088
70$5,998,492$0$0$1,798,656
71$6,532,408$0$0$1,961,755
72$7,118,328$0$0$2,140,849
73$7,761,479$0$0$2,337,549
74$8,467,621$0$0$2,553,630
75$9,243,094$0$0$2,791,048
76$10,094,887$0$0$3,051,955
77$11,030,696$0$0$3,338,727
78$12,059,001$0$0$3,653,976
79$13,189,143$0$0$4,000,583
80$14,431,413$0$0$4,381,723
81$15,797,149$0$0$4,800,891
82$17,298,843$0$0$5,261,939
83$18,950,257$0$0$5,769,112
84$20,766,554$0$0$6,327,086
85$22,764,439$0$0$6,941,013
86$24,962,319$0$0$7,616,570
87$27,380,474$0$0$8,360,013
88$30,041,248$0$0$9,178,234
89$32,969,262$0$0$10,078,826
90$36,191,644$0$0$11,070,158
91$39,738,283$0$0$12,161,449
92$43,642,115$0$0$13,362,860
93$47,939,430$0$0$14,685,583
94$52,670,214$0$0$16,141,956
95$57,878,528$0$0$17,745,569
96$63,612,923$0$0$19,511,401
97$69,926,895$0$0$21,455,955
98$76,879,395$0$0$23,597,417
99$84,535,378$0$0$25,955,825
100$92,966,421$0$0$28,553,263