Can I retire at age 35 with 485,000?

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 $485,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$40,051$39,694$39,346$39,006$38,675$37,724
2 years$19,827$19,458$19,100$18,753$18,416$17,465
3 years$13,087$12,716$12,359$12,015$11,684$10,761
4 years$9,717$9,348$8,994$8,656$8,333$7,446
5 years$7,696$7,329$6,980$6,649$6,335$5,485
6 years$6,349$5,984$5,641$5,317$5,013$4,202
7 years$5,387$5,026$4,687$4,372$4,077$3,305
8 years$4,666$4,308$3,975$3,667$3,382$2,649
9 years$4,106$3,751$3,424$3,124$2,848$2,153
10 years$3,658$3,306$2,985$2,693$2,427$1,769
11 years$3,291$2,943$2,628$2,343$2,087$1,466
12 years$2,986$2,642$2,332$2,055$1,809$1,223
13 years$2,728$2,387$2,084$1,815$1,577$1,026
14 years$2,507$2,170$1,872$1,611$1,382$864
15 years$2,316$1,982$1,690$1,437$1,217$730
16 years$2,149$1,819$1,533$1,286$1,076$619
17 years$2,001$1,675$1,395$1,156$954$526
18 years$1,870$1,548$1,273$1,042$848$448
19 years$1,753$1,434$1,165$941$756$383
20 years$1,648$1,333$1,070$852$675$327
21 years$1,553$1,242$984$774$604$280
22 years$1,467$1,159$907$703$542$240
23 years$1,388$1,084$837$641$486$205
24 years$1,317$1,016$774$584$437$176
25 years$1,250$953$717$534$393$151
26 years$1,189$896$665$488$354$130
27 years$1,133$843$618$447$319$112
28 years$1,081$794$574$409$288$96
29 years$1,032$749$534$375$260$83
30 years$987$708$498$344$235$71
31 years$945$669$464$316$213$61
32 years$906$633$433$291$192$53
33 years$869$600$404$267$174$45
34 years$834$568$378$246$158$39
35 years$801$539$353$226$143$34
36 years$770$512$330$208$129$29
37 years$741$486$309$192$117$25
38 years$714$462$290$177$106$22
39 years$688$439$271$163$96$19
40 years$663$418$254$151$87$16
41 years$640$398$238$139$79$14
42 years$617$379$224$128$72$12
43 years$596$361$210$118$65$10
44 years$576$344$197$109$59$9
45 years$557$328$185$101$54$8
46 years$539$313$174$93$49$7
47 years$521$299$163$86$44$6
48 years$505$285$153$80$40$5
49 years$489$272$144$74$37$4
50 years$474$260$136$68$33$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $485,000, adding $6,088 every year, while hoping to spend $35,083 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: 84/6/10 Blend
34$485,000$485,000$485,000$485,000
35$540,750$515,045$507,527$584,854
36$558,578$502,954$487,201$602,506
37$577,049$489,095$465,019$616,548
38$596,192$473,344$440,880$630,893
39$616,035$455,570$414,682$645,550
40$636,613$435,634$386,315$660,531
41$657,958$413,391$355,667$675,844
42$680,107$388,685$322,620$691,503
43$703,099$361,351$287,049$707,520
44$726,975$331,218$248,825$723,909
45$751,780$298,101$207,814$740,686
46$777,560$261,807$163,875$757,868
47$804,367$222,130$116,860$775,474
48$832,254$178,856$66,616$793,524
49$861,280$131,756$12,984$812,042
50$891,506$80,588$0$831,052
51$923,000$25,097$0$855,306
52$955,835$0$0$881,897
53$990,087$0$0$911,803
54$1,025,840$0$0$944,752
55$1,063,186$0$0$979,169
56$1,102,222$0$0$1,015,146
57$1,143,052$0$0$1,052,779
58$1,185,792$0$0$1,092,175
59$1,230,565$0$0$1,133,448
60$1,277,506$0$0$1,176,722
61$1,326,759$0$0$1,222,130
62$1,378,483$0$0$1,269,820
63$1,432,849$0$0$1,319,950
64$1,490,044$0$0$1,372,692
65$1,550,270$0$0$1,428,235
66$1,613,750$0$0$1,486,782
67$1,680,723$0$0$1,548,555
68$1,751,451$0$0$1,613,799
69$1,826,222$0$0$1,682,777
70$1,905,348$0$0$1,755,779
71$1,989,169$0$0$1,833,120
72$2,078,058$0$0$1,915,144
73$2,172,423$0$0$2,002,228
74$2,272,708$0$0$2,094,786
75$2,379,402$0$0$2,193,266
76$2,493,037$0$0$2,298,163
77$2,614,198$0$0$2,410,017
78$2,743,523$0$0$2,529,419
79$2,881,714$0$0$2,657,018
80$3,029,538$0$0$2,793,524
81$3,187,838$0$0$2,939,717
82$3,357,537$0$0$3,096,451
83$3,539,649$0$0$3,264,664
84$3,735,284$0$0$3,445,385
85$3,945,664$0$0$3,639,742
86$4,172,128$0$0$3,848,976
87$4,416,148$0$0$4,074,448
88$4,679,339$0$0$4,317,654
89$4,963,478$0$0$4,580,237
90$5,270,514$0$0$4,864,002
91$5,602,591$0$0$5,170,933
92$5,962,067$0$0$5,503,211
93$6,351,532$0$0$5,863,235
94$6,773,834$0$0$6,253,640
95$7,232,106$0$0$6,677,325
96$7,729,793$0$0$7,137,479
97$8,270,685$0$0$7,637,610
98$8,858,950$0$0$8,181,575
99$9,499,174$0$0$8,773,620
100$10,196,405$0$0$9,418,416