Can I retire at age 35 with 484,000?

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 $484,000?

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$39,968$39,612$39,265$38,926$38,595$37,270
2 years$19,786$19,418$19,061$18,714$18,378$17,057
3 years$13,060$12,690$12,333$11,990$11,660$10,384
4 years$9,697$9,328$8,976$8,638$8,316$7,095
5 years$7,680$7,313$6,965$6,635$6,322$5,158
6 years$6,336$5,972$5,629$5,306$5,002$3,898
7 years$5,376$5,015$4,678$4,363$4,068$3,023
8 years$4,657$4,299$3,967$3,660$3,375$2,387
9 years$4,097$3,743$3,417$3,117$2,842$1,911
10 years$3,650$3,299$2,979$2,687$2,422$1,546
11 years$3,285$2,937$2,623$2,339$2,083$1,261
12 years$2,980$2,636$2,328$2,051$1,805$1,034
13 years$2,723$2,382$2,079$1,811$1,574$853
14 years$2,502$2,166$1,868$1,608$1,380$706
15 years$2,311$1,978$1,687$1,434$1,215$586
16 years$2,144$1,815$1,529$1,284$1,074$488
17 years$1,997$1,672$1,392$1,153$952$408
18 years$1,867$1,545$1,270$1,039$846$341
19 years$1,750$1,432$1,163$939$754$285
20 years$1,645$1,330$1,067$851$674$239
21 years$1,550$1,239$982$772$603$201
22 years$1,464$1,157$905$702$541$169
23 years$1,386$1,082$835$639$485$142
24 years$1,314$1,014$773$583$436$119
25 years$1,248$951$716$532$392$100
26 years$1,187$894$664$487$353$85
27 years$1,131$841$616$446$319$71
28 years$1,079$793$573$408$288$60
29 years$1,030$748$533$374$260$51
30 years$985$706$497$344$235$43
31 years$943$668$463$316$212$36
32 years$904$632$432$290$192$30
33 years$867$598$403$267$174$26
34 years$832$567$377$245$157$22
35 years$799$538$352$226$142$18
36 years$769$510$330$208$129$15
37 years$740$485$309$192$117$13
38 years$712$461$289$177$106$11
39 years$686$438$271$163$96$9
40 years$662$417$254$150$87$8
41 years$638$397$238$139$79$7
42 years$616$378$223$128$72$6
43 years$595$360$209$118$65$5
44 years$575$343$197$109$59$4
45 years$556$327$185$101$54$3
46 years$538$312$173$93$49$3
47 years$520$298$163$86$44$2
48 years$504$284$153$79$40$2
49 years$488$272$144$73$37$2
50 years$473$259$135$68$33$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $484,000, adding $3,433 every year, while hoping to spend $30,878 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: 50/33/17 Blend
34$484,000$484,000$484,000$484,000
35$536,909$511,257$503,755$561,068
36$558,820$503,455$487,777$570,285
37$581,931$494,235$470,229$576,819
38$606,331$483,496$451,025$583,250
39$632,120$471,130$430,077$589,579
40$659,403$457,022$407,291$595,807
41$688,297$441,052$382,570$601,941
42$718,930$423,090$355,813$607,989
43$751,440$403,001$326,913$613,962
44$785,982$380,642$295,759$619,874
45$822,720$355,862$262,235$625,745
46$861,837$328,499$226,219$631,599
47$903,533$298,384$187,586$637,463
48$948,026$265,338$146,203$643,375
49$995,556$229,171$101,933$649,375
50$1,046,386$189,683$54,630$655,515
51$1,100,802$146,662$4,145$661,852
52$1,159,121$99,886$0$668,457
53$1,221,688$49,117$0$684,429
54$1,288,884$0$0$702,232
55$1,361,126$0$0$723,388
56$1,438,870$0$0$765,388
57$1,522,621$0$0$810,670
58$1,612,928$0$0$859,539
59$1,710,400$0$0$912,326
60$1,815,702$0$0$969,399
61$1,929,566$0$0$1,031,160
62$2,052,797$0$0$1,098,051
63$2,186,279$0$0$1,170,560
64$2,330,986$0$0$1,249,220
65$2,487,987$0$0$1,334,620
66$2,658,458$0$0$1,427,407
67$2,843,693$0$0$1,528,293
68$3,045,115$0$0$1,638,061
69$3,264,290$0$0$1,757,573
70$3,502,941$0$0$1,887,777
71$3,762,964$0$0$2,029,716
72$4,046,445$0$0$2,184,538
73$4,355,680$0$0$2,353,507
74$4,693,197$0$0$2,538,015
75$5,061,778$0$0$2,739,593
76$5,464,484$0$0$2,959,927
77$5,904,689$0$0$3,200,873
78$6,386,104$0$0$3,464,476
79$6,912,816$0$0$3,752,984
80$7,489,325$0$0$4,068,878
81$8,120,588$0$0$4,414,884
82$8,812,060$0$0$4,794,010
83$9,569,753$0$0$5,209,563
84$10,400,285$0$0$5,665,190
85$11,310,945$0$0$6,164,905
86$12,309,762$0$0$6,713,129
87$13,405,580$0$0$7,314,734
88$14,608,137$0$0$7,975,083
89$15,928,164$0$0$8,700,087
90$17,377,479$0$0$9,496,255
91$18,969,099$0$0$10,370,758
92$20,717,368$0$0$11,331,495
93$22,638,082$0$0$12,387,170
94$24,748,647$0$0$13,547,369
95$27,068,236$0$0$14,822,655
96$29,617,973$0$0$16,224,664
97$32,421,130$0$0$17,766,216
98$35,503,345$0$0$19,461,435
99$38,892,867$0$0$21,325,883
100$42,620,818$0$0$23,376,705