Can I retire at age 35 with 486,000?

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 $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%12.6%
1 years$40,133$39,776$39,427$39,087$38,754$38,334
2 years$19,868$19,498$19,139$18,792$18,454$18,031
3 years$13,114$12,742$12,384$12,040$11,708$11,295
4 years$9,737$9,367$9,013$8,674$8,350$7,951
5 years$7,712$7,344$6,994$6,663$6,348$5,963
6 years$6,362$5,997$5,652$5,328$5,023$4,653
7 years$5,398$5,036$4,697$4,381$4,085$3,730
8 years$4,676$4,317$3,984$3,675$3,389$3,049
9 years$4,114$3,759$3,431$3,130$2,854$2,529
10 years$3,665$3,313$2,991$2,698$2,432$2,122
11 years$3,298$2,949$2,633$2,348$2,091$1,796
12 years$2,992$2,647$2,337$2,060$1,812$1,531
13 years$2,734$2,392$2,088$1,818$1,580$1,313
14 years$2,512$2,175$1,876$1,614$1,385$1,132
15 years$2,321$1,986$1,694$1,440$1,220$980
16 years$2,153$1,823$1,536$1,289$1,078$851
17 years$2,005$1,678$1,397$1,158$956$741
18 years$1,874$1,551$1,276$1,044$850$647
19 years$1,757$1,437$1,168$943$758$566
20 years$1,652$1,336$1,072$854$677$496
21 years$1,557$1,244$986$775$606$436
22 years$1,470$1,161$909$705$543$383
23 years$1,391$1,086$839$642$487$337
24 years$1,319$1,018$776$585$438$297
25 years$1,253$955$719$535$394$262
26 years$1,192$898$666$489$355$231
27 years$1,135$845$619$447$320$204
28 years$1,083$796$575$410$289$181
29 years$1,035$751$535$376$261$160
30 years$989$709$499$345$236$141
31 years$947$670$465$317$213$125
32 years$907$634$434$291$193$111
33 years$870$601$405$268$174$98
34 years$836$569$378$246$158$87
35 years$803$540$354$227$143$77
36 years$772$513$331$209$130$68
37 years$743$487$310$192$117$61
38 years$715$463$290$177$106$54
39 years$689$440$272$164$97$48
40 years$664$419$255$151$88$42
41 years$641$398$239$139$79$38
42 years$619$379$224$128$72$33
43 years$598$362$210$119$65$30
44 years$577$345$197$110$59$26
45 years$558$329$185$101$54$23
46 years$540$314$174$93$49$21
47 years$522$299$164$86$44$18
48 years$506$286$154$80$40$16
49 years$490$273$144$74$37$14
50 years$475$261$136$68$33$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $486,000, adding $6,684 every year, while hoping to spend $44,851 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: 46/47/7 Blend
34$486,000$486,000$486,000$486,000
35$542,467$516,709$509,176$566,078
36$550,077$494,306$478,512$560,621
37$556,961$469,303$445,318$549,490
38$562,996$441,524$409,461$536,371
39$568,047$410,784$370,803$521,095
40$571,964$376,888$329,201$503,479
41$574,578$339,630$284,504$483,324
42$575,704$298,791$236,553$460,418
43$575,134$254,140$185,186$434,529
44$572,638$205,433$130,230$405,409
45$567,961$152,413$71,507$372,789
46$560,819$94,808$8,829$336,377
47$550,900$32,330$0$295,859
48$537,854$0$0$255,230
49$521,297$0$0$229,041
50$500,801$0$0$217,542
51$475,894$0$0$203,771
52$446,052$0$0$187,464
53$410,698$0$0$168,325
54$369,191$0$0$146,029
55$320,824$0$0$120,215
56$264,813$0$0$90,485
57$200,293$0$0$56,401
58$126,310$0$0$17,476
59$41,806$0$0$0
60$0$0$0$0
61$0$0$0$0
62$0$0$0$0
63$0$0$0$0
64$0$0$0$0
65$0$0$0$0
66$0$0$0$0
67$0$0$0$0
68$0$0$0$0
69$0$0$0$0
70$0$0$0$0
71$0$0$0$0
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0