Can I retire at age 35 with 485,000?

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 $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%13.4%
1 years$40,051$39,694$39,346$39,006$38,675$38,128
2 years$19,827$19,458$19,100$18,753$18,416$17,867
3 years$13,087$12,716$12,359$12,015$11,684$11,149
4 years$9,717$9,348$8,994$8,656$8,333$7,816
5 years$7,696$7,329$6,980$6,649$6,335$5,837
6 years$6,349$5,984$5,641$5,317$5,013$4,535
7 years$5,387$5,026$4,687$4,372$4,077$3,620
8 years$4,666$4,308$3,975$3,667$3,382$2,945
9 years$4,106$3,751$3,424$3,124$2,848$2,432
10 years$3,658$3,306$2,985$2,693$2,427$2,030
11 years$3,291$2,943$2,628$2,343$2,087$1,710
12 years$2,986$2,642$2,332$2,055$1,809$1,451
13 years$2,728$2,387$2,084$1,815$1,577$1,238
14 years$2,507$2,170$1,872$1,611$1,382$1,061
15 years$2,316$1,982$1,690$1,437$1,217$913
16 years$2,149$1,819$1,533$1,286$1,076$789
17 years$2,001$1,675$1,395$1,156$954$683
18 years$1,870$1,548$1,273$1,042$848$593
19 years$1,753$1,434$1,165$941$756$516
20 years$1,648$1,333$1,070$852$675$449
21 years$1,553$1,242$984$774$604$392
22 years$1,467$1,159$907$703$542$343
23 years$1,388$1,084$837$641$486$300
24 years$1,317$1,016$774$584$437$263
25 years$1,250$953$717$534$393$230
26 years$1,189$896$665$488$354$202
27 years$1,133$843$618$447$319$177
28 years$1,081$794$574$409$288$156
29 years$1,032$749$534$375$260$137
30 years$987$708$498$344$235$120
31 years$945$669$464$316$213$106
32 years$906$633$433$291$192$93
33 years$869$600$404$267$174$82
34 years$834$568$378$246$158$72
35 years$801$539$353$226$143$63
36 years$770$512$330$208$129$56
37 years$741$486$309$192$117$49
38 years$714$462$290$177$106$43
39 years$688$439$271$163$96$38
40 years$663$418$254$151$87$34
41 years$640$398$238$139$79$30
42 years$617$379$224$128$72$26
43 years$596$361$210$118$65$23
44 years$576$344$197$109$59$20
45 years$557$328$185$101$54$18
46 years$539$313$174$93$49$16
47 years$521$299$163$86$44$14
48 years$505$285$153$80$40$12
49 years$489$272$144$74$37$11
50 years$474$260$136$68$33$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $485,000, adding $4,373 every year, while hoping to spend $26,424 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: 46/28/26 Blend
34$485,000$485,000$485,000$485,000
35$538,981$513,276$505,758$559,569
36$565,842$510,311$494,586$571,575
37$594,557$506,316$482,154$581,679
38$625,288$501,211$468,392$592,123
39$658,211$494,914$453,227$602,953
40$693,520$487,337$436,582$614,221
41$731,428$478,385$418,377$625,986
42$772,169$467,961$398,527$638,314
43$815,998$455,960$376,946$651,282
44$863,198$442,269$353,541$664,974
45$914,077$426,773$328,218$679,489
46$968,975$409,347$300,875$694,933
47$1,028,264$389,860$271,409$711,430
48$1,092,356$368,171$239,710$729,118
49$1,161,700$344,136$205,664$748,150
50$1,236,792$317,597$169,152$768,702
51$1,318,176$288,390$130,049$790,966
52$1,406,451$256,342$88,227$815,161
53$1,502,275$221,269$43,549$841,530
54$1,606,373$182,977$0$870,345
55$1,719,541$141,261$0$903,057
56$1,842,656$95,905$0$951,826
57$1,976,682$46,679$0$1,004,980
58$2,122,680$0$0$1,062,984
59$2,281,817$0$0$1,128,408
60$2,455,379$0$0$1,215,499
61$2,644,780$0$0$1,310,591
62$2,851,577$0$0$1,414,472
63$3,077,484$0$0$1,528,011
64$3,324,387$0$0$1,652,162
65$3,594,364$0$0$1,787,978
66$3,889,702$0$0$1,936,617
67$4,212,918$0$0$2,099,355
68$4,566,787$0$0$2,277,596
69$4,954,360$0$0$2,472,886
70$5,379,002$0$0$2,686,930
71$5,844,414$0$0$2,921,604
72$6,354,677$0$0$3,178,973
73$6,914,282$0$0$3,461,314
74$7,528,176$0$0$3,771,134
75$8,201,810$0$0$4,111,193
76$8,941,185$0$0$4,484,534
77$9,752,915$0$0$4,894,506
78$10,644,283$0$0$5,344,801
79$11,623,312$0$0$5,839,484
80$12,698,841$0$0$6,383,034
81$13,880,608$0$0$6,980,386
82$15,179,340$0$0$7,636,976
83$16,606,854$0$0$8,358,793
84$18,176,170$0$0$9,152,434
85$19,901,631$0$0$10,025,170
86$21,799,042$0$0$10,985,010
87$23,885,813$0$0$12,040,777
88$26,181,127$0$0$13,202,194
89$28,706,121$0$0$14,479,973
90$31,484,082$0$0$15,885,917
91$34,540,668$0$0$17,433,031
92$37,904,149$0$0$19,135,643
93$41,605,676$0$0$21,009,541
94$45,679,571$0$0$23,072,122
95$50,163,652$0$0$25,342,553
96$55,099,589$0$0$27,841,957
97$60,533,298$0$0$30,593,605
98$66,515,372$0$0$33,623,142
99$73,101,560$0$0$36,958,825
100$80,353,290$0$0$40,631,791