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%16.8%
1 years$40,133$39,776$39,427$39,087$38,754$37,680
2 years$19,868$19,498$19,139$18,792$18,454$17,380
3 years$13,114$12,742$12,384$12,040$11,708$10,667
4 years$9,737$9,367$9,013$8,674$8,350$7,351
5 years$7,712$7,344$6,994$6,663$6,348$5,393
6 years$6,362$5,997$5,652$5,328$5,023$4,113
7 years$5,398$5,036$4,697$4,381$4,085$3,221
8 years$4,676$4,317$3,984$3,675$3,389$2,569
9 years$4,114$3,759$3,431$3,130$2,854$2,078
10 years$3,665$3,313$2,991$2,698$2,432$1,699
11 years$3,298$2,949$2,633$2,348$2,091$1,401
12 years$2,992$2,647$2,337$2,060$1,812$1,162
13 years$2,734$2,392$2,088$1,818$1,580$970
14 years$2,512$2,175$1,876$1,614$1,385$812
15 years$2,321$1,986$1,694$1,440$1,220$683
16 years$2,153$1,823$1,536$1,289$1,078$576
17 years$2,005$1,678$1,397$1,158$956$486
18 years$1,874$1,551$1,276$1,044$850$412
19 years$1,757$1,437$1,168$943$758$349
20 years$1,652$1,336$1,072$854$677$297
21 years$1,557$1,244$986$775$606$252
22 years$1,470$1,161$909$705$543$215
23 years$1,391$1,086$839$642$487$183
24 years$1,319$1,018$776$585$438$156
25 years$1,253$955$719$535$394$133
26 years$1,192$898$666$489$355$114
27 years$1,135$845$619$447$320$97
28 years$1,083$796$575$410$289$83
29 years$1,035$751$535$376$261$71
30 years$989$709$499$345$236$61
31 years$947$670$465$317$213$52
32 years$907$634$434$291$193$44
33 years$870$601$405$268$174$38
34 years$836$569$378$246$158$32
35 years$803$540$354$227$143$28
36 years$772$513$331$209$130$24
37 years$743$487$310$192$117$20
38 years$715$463$290$177$106$17
39 years$689$440$272$164$97$15
40 years$664$419$255$151$88$13
41 years$641$398$239$139$79$11
42 years$619$379$224$128$72$9
43 years$598$362$210$119$65$8
44 years$577$345$197$110$59$7
45 years$558$329$185$101$54$6
46 years$540$314$174$93$49$5
47 years$522$299$164$86$44$4
48 years$506$286$154$80$40$4
49 years$490$273$144$74$37$3
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 $3,001 every year, while hoping to spend $27,416 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: 36/39/25 Blend
34$486,000$486,000$486,000$486,000
35$538,668$512,910$505,377$553,915
36$564,441$508,872$493,136$561,397
37$591,925$503,717$479,567$566,744
38$621,264$497,362$464,595$571,976
39$652,618$489,718$448,145$577,100
40$686,162$480,691$430,134$582,126
41$722,087$470,182$410,480$587,067
42$760,604$458,084$389,095$591,942
43$801,942$444,287$365,886$596,772
44$846,355$428,672$340,759$601,584
45$894,121$411,114$313,611$606,412
46$945,544$391,482$284,340$611,296
47$1,000,959$369,634$252,835$616,282
48$1,060,734$345,423$218,983$621,428
49$1,125,273$318,693$182,663$626,798
50$1,195,020$289,278$143,751$632,468
51$1,270,463$257,003$102,117$638,527
52$1,352,137$221,684$57,625$645,078
53$1,440,634$183,124$10,134$652,238
54$1,536,600$141,119$0$660,140
55$1,640,748$95,449$0$679,756
56$1,753,864$45,885$0$704,033
57$1,876,808$0$0$730,506
58$2,010,531$0$0$762,801
59$2,156,075$0$0$819,445
60$2,314,589$0$0$881,199
61$2,487,338$0$0$948,565
62$2,675,712$0$0$1,022,094
63$2,881,242$0$0$1,102,390
64$3,105,614$0$0$1,190,122
65$3,350,681$0$0$1,286,024
66$3,618,487$0$0$1,390,905
67$3,911,279$0$0$1,505,656
68$4,231,532$0$0$1,631,257
69$4,581,972$0$0$1,768,788
70$4,965,601$0$0$1,919,439
71$5,385,721$0$0$2,084,518
72$5,845,974$0$0$2,265,468
73$6,350,365$0$0$2,463,877
74$6,903,310$0$0$2,681,495
75$7,509,670$0$0$2,920,248
76$8,174,798$0$0$3,182,260
77$8,904,592$0$0$3,469,867
78$9,705,547$0$0$3,785,645
79$10,584,820$0$0$4,132,431
80$11,550,292$0$0$4,513,350
81$12,610,646$0$0$4,931,843
82$13,775,445$0$0$5,391,704
83$15,055,228$0$0$5,897,111
84$16,461,601$0$0$6,452,666
85$18,007,352$0$0$7,063,440
86$19,706,569$0$0$7,735,020
87$21,574,775$0$0$8,473,561
88$23,629,069$0$0$9,285,844
89$25,888,291$0$0$10,179,342
90$28,373,200$0$0$11,162,287
91$31,106,665$0$0$12,243,748
92$34,113,884$0$0$13,433,720
93$37,422,621$0$0$14,743,214
94$41,063,466$0$0$16,184,363
95$45,070,126$0$0$17,770,536
96$49,479,738$0$0$19,516,462
97$54,333,222$0$0$21,438,372
98$59,675,668$0$0$23,554,151
99$65,556,759$0$0$25,883,505
100$72,031,237$0$0$28,448,149