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%14.4%
1 years$40,133$39,776$39,427$39,087$38,754$38,050
2 years$19,868$19,498$19,139$18,792$18,454$17,747
3 years$13,114$12,742$12,384$12,040$11,708$11,020
4 years$9,737$9,367$9,013$8,674$8,350$7,687
5 years$7,712$7,344$6,994$6,663$6,348$5,711
6 years$6,362$5,997$5,652$5,328$5,023$4,413
7 years$5,398$5,036$4,697$4,381$4,085$3,502
8 years$4,676$4,317$3,984$3,675$3,389$2,834
9 years$4,114$3,759$3,431$3,130$2,854$2,326
10 years$3,665$3,313$2,991$2,698$2,432$1,930
11 years$3,298$2,949$2,633$2,348$2,091$1,615
12 years$2,992$2,647$2,337$2,060$1,812$1,361
13 years$2,734$2,392$2,088$1,818$1,580$1,154
14 years$2,512$2,175$1,876$1,614$1,385$983
15 years$2,321$1,986$1,694$1,440$1,220$840
16 years$2,153$1,823$1,536$1,289$1,078$720
17 years$2,005$1,678$1,397$1,158$956$619
18 years$1,874$1,551$1,276$1,044$850$534
19 years$1,757$1,437$1,168$943$758$461
20 years$1,652$1,336$1,072$854$677$399
21 years$1,557$1,244$986$775$606$345
22 years$1,470$1,161$909$705$543$300
23 years$1,391$1,086$839$642$487$260
24 years$1,319$1,018$776$585$438$226
25 years$1,253$955$719$535$394$197
26 years$1,192$898$666$489$355$171
27 years$1,135$845$619$447$320$149
28 years$1,083$796$575$410$289$130
29 years$1,035$751$535$376$261$113
30 years$989$709$499$345$236$99
31 years$947$670$465$317$213$86
32 years$907$634$434$291$193$75
33 years$870$601$405$268$174$65
34 years$836$569$378$246$158$57
35 years$803$540$354$227$143$50
36 years$772$513$331$209$130$44
37 years$743$487$310$192$117$38
38 years$715$463$290$177$106$33
39 years$689$440$272$164$97$29
40 years$664$419$255$151$88$25
41 years$641$398$239$139$79$22
42 years$619$379$224$128$72$19
43 years$598$362$210$119$65$17
44 years$577$345$197$110$59$15
45 years$558$329$185$101$54$13
46 years$540$314$174$93$49$11
47 years$522$299$164$86$44$10
48 years$506$286$154$80$40$9
49 years$490$273$144$74$37$8
50 years$475$261$136$68$33$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $486,000, adding $6,815 every year, while hoping to spend $32,813 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: 53/35/12 Blend
34$486,000$486,000$486,000$486,000
35$542,602$516,844$509,311$569,307
36$563,034$507,256$491,460$578,662
37$584,451$496,099$471,911$584,733
38$606,918$483,261$450,573$590,581
39$630,507$468,624$427,350$596,192
40$655,295$452,062$402,143$601,553
41$681,366$433,444$374,845$606,653
42$708,812$412,630$345,349$611,480
43$737,732$389,471$313,541$616,023
44$768,237$363,811$279,300$620,274
45$800,443$335,484$242,503$624,227
46$834,481$304,315$203,019$627,876
47$870,490$270,119$160,713$631,219
48$908,626$232,700$115,442$634,256
49$949,056$191,853$67,060$636,992
50$991,965$147,358$15,411$639,435
51$1,037,552$98,985$0$641,598
52$1,086,037$46,491$0$648,582
53$1,137,662$0$0$657,765
54$1,192,690$0$0$671,224
55$1,251,408$0$0$704,720
56$1,314,133$0$0$740,530
57$1,381,211$0$0$778,857
58$1,453,022$0$0$819,922
59$1,529,981$0$0$863,966
60$1,612,546$0$0$911,255
61$1,701,218$0$0$962,082
62$1,796,546$0$0$1,016,766
63$1,899,135$0$0$1,075,659
64$2,009,646$0$0$1,139,148
65$2,128,810$0$0$1,207,656
66$2,257,424$0$0$1,281,650
67$2,396,369$0$0$1,361,643
68$2,546,610$0$0$1,448,196
69$2,709,208$0$0$1,541,929
70$2,885,331$0$0$1,643,522
71$3,076,261$0$0$1,753,724
72$3,283,411$0$0$1,873,357
73$3,508,331$0$0$2,003,327
74$3,752,727$0$0$2,144,628
75$4,018,479$0$0$2,298,357
76$4,307,651$0$0$2,465,717
77$4,622,516$0$0$2,648,036
78$4,965,575$0$0$2,846,771
79$5,339,580$0$0$3,063,530
80$5,747,561$0$0$3,300,080
81$6,192,851$0$0$3,558,365
82$6,679,120$0$0$3,840,529
83$7,210,409$0$0$4,148,928
84$7,791,164$0$0$4,486,159
85$8,426,284$0$0$4,855,080
86$9,121,158$0$0$5,258,837
87$9,881,725$0$0$5,700,898
88$10,714,522$0$0$6,185,076
89$11,626,746$0$0$6,715,575
90$12,626,327$0$0$7,297,023
91$13,721,995$0$0$7,934,518
92$14,923,367$0$0$8,633,672
93$16,241,033$0$0$9,400,671
94$17,686,658$0$0$10,242,323
95$19,273,092$0$0$11,166,132
96$21,014,488$0$0$12,180,360
97$22,926,436$0$0$13,294,111
98$25,026,109$0$0$14,517,413
99$27,332,425$0$0$15,861,311
100$29,866,227$0$0$17,337,975