Can I retire at age 35 with 486,000?

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 $486,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$40,133$39,776$39,427$39,087$38,754$37,741
2 years$19,868$19,498$19,139$18,792$18,454$17,440
3 years$13,114$12,742$12,384$12,040$11,708$10,725
4 years$9,737$9,367$9,013$8,674$8,350$7,406
5 years$7,712$7,344$6,994$6,663$6,348$5,445
6 years$6,362$5,997$5,652$5,328$5,023$4,162
7 years$5,398$5,036$4,697$4,381$4,085$3,266
8 years$4,676$4,317$3,984$3,675$3,389$2,612
9 years$4,114$3,759$3,431$3,130$2,854$2,118
10 years$3,665$3,313$2,991$2,698$2,432$1,736
11 years$3,298$2,949$2,633$2,348$2,091$1,434
12 years$2,992$2,647$2,337$2,060$1,812$1,193
13 years$2,734$2,392$2,088$1,818$1,580$998
14 years$2,512$2,175$1,876$1,614$1,385$838
15 years$2,321$1,986$1,694$1,440$1,220$707
16 years$2,153$1,823$1,536$1,289$1,078$598
17 years$2,005$1,678$1,397$1,158$956$507
18 years$1,874$1,551$1,276$1,044$850$430
19 years$1,757$1,437$1,168$943$758$366
20 years$1,652$1,336$1,072$854$677$312
21 years$1,557$1,244$986$775$606$266
22 years$1,470$1,161$909$705$543$227
23 years$1,391$1,086$839$642$487$194
24 years$1,319$1,018$776$585$438$166
25 years$1,253$955$719$535$394$142
26 years$1,192$898$666$489$355$122
27 years$1,135$845$619$447$320$104
28 years$1,083$796$575$410$289$89
29 years$1,035$751$535$376$261$77
30 years$989$709$499$345$236$66
31 years$947$670$465$317$213$56
32 years$907$634$434$291$193$48
33 years$870$601$405$268$174$42
34 years$836$569$378$246$158$36
35 years$803$540$354$227$143$31
36 years$772$513$331$209$130$26
37 years$743$487$310$192$117$23
38 years$715$463$290$177$106$19
39 years$689$440$272$164$97$17
40 years$664$419$255$151$88$14
41 years$641$398$239$139$79$12
42 years$619$379$224$128$72$11
43 years$598$362$210$119$65$9
44 years$577$345$197$110$59$8
45 years$558$329$185$101$54$7
46 years$540$314$174$93$49$6
47 years$522$299$164$86$44$5
48 years$506$286$154$80$40$4
49 years$490$273$144$74$37$4
50 years$475$261$136$68$33$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $486,000, adding $3,002 every year, while hoping to spend $23,062 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: 35/40/25 Blend
34$486,000$486,000$486,000$486,000
35$538,669$512,911$505,378$553,361
36$569,075$513,505$497,770$565,133
37$601,810$513,356$489,134$575,514
38$637,086$512,403$479,412$586,259
39$675,139$510,580$468,542$597,415
40$716,224$507,820$456,460$609,036
41$760,625$504,049$443,097$621,182
42$808,653$499,191$428,385$633,924
43$860,648$493,164$412,248$647,340
44$916,986$485,882$394,611$661,518
45$978,081$477,252$375,392$676,558
46$1,044,385$467,177$354,508$692,573
47$1,116,398$455,554$331,869$709,690
48$1,194,669$442,275$307,386$728,050
49$1,279,803$427,224$280,960$747,815
50$1,372,463$410,278$252,493$769,162
51$1,473,382$391,309$221,879$792,292
52$1,583,363$370,180$189,008$817,432
53$1,703,293$346,745$153,767$844,831
54$1,834,146$320,853$116,035$874,771
55$1,976,996$292,342$75,689$907,567
56$2,133,022$261,040$32,598$943,567
57$2,303,526$226,767$0$983,163
58$2,489,940$189,332$0$1,030,361
59$2,693,838$148,533$0$1,091,588
60$2,916,956$104,158$0$1,158,718
61$3,161,205$55,981$0$1,232,393
62$3,428,690$3,766$0$1,313,325
63$3,721,726$0$0$1,402,303
64$4,042,867$0$0$1,523,412
65$4,394,922$0$0$1,658,068
66$4,780,986$0$0$1,805,806
67$5,204,469$0$0$1,967,940
68$5,669,126$0$0$2,145,916
69$6,179,093$0$0$2,341,329
70$6,738,925$0$0$2,555,935
71$7,353,642$0$0$2,791,668
72$8,028,771$0$0$3,050,660
73$8,770,403$0$0$3,335,257
74$9,585,245$0$0$3,648,046
75$10,480,691$0$0$3,991,876
76$11,464,880$0$0$4,369,887
77$12,546,785$0$0$4,785,535
78$13,736,287$0$0$5,242,633
79$15,044,275$0$0$5,745,377
80$16,482,744$0$0$6,298,393
81$18,064,912$0$0$6,906,777
82$19,805,340$0$0$7,576,143
83$21,720,073$0$0$8,312,678
84$23,826,788$0$0$9,123,198
85$26,144,963$0$0$10,015,214
86$28,696,059$0$0$10,997,001
87$31,503,723$0$0$12,077,679
88$34,594,009$0$0$13,267,293
89$37,995,627$0$0$14,576,915
90$41,740,210$0$0$16,018,744
91$45,862,615$0$0$17,606,221
92$50,401,250$0$0$19,354,158
93$55,398,436$0$0$21,278,877
94$60,900,808$0$0$23,398,360
95$66,959,750$0$0$25,732,425
96$73,631,887$0$0$28,302,909
97$80,979,613$0$0$31,133,874
98$89,071,681$0$0$34,251,836
99$97,983,853$0$0$37,686,012
100$107,799,612$0$0$41,468,600