Can I retire at age 35 with 491,000?

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 $491,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$40,546$40,185$39,833$39,489$39,153$37,976
2 years$20,072$19,699$19,336$18,985$18,644$17,468
3 years$13,249$12,873$12,512$12,164$11,829$10,691
4 years$9,838$9,463$9,105$8,763$8,436$7,345
5 years$7,791$7,419$7,066$6,731$6,413$5,371
6 years$6,428$6,058$5,711$5,383$5,075$4,083
7 years$5,454$5,088$4,745$4,426$4,127$3,186
8 years$4,724$4,361$4,025$3,713$3,424$2,533
9 years$4,157$3,797$3,466$3,162$2,883$2,042
10 years$3,703$3,347$3,022$2,726$2,457$1,663
11 years$3,332$2,980$2,661$2,372$2,113$1,365
12 years$3,023$2,674$2,361$2,081$1,831$1,129
13 years$2,762$2,417$2,110$1,837$1,597$938
14 years$2,538$2,197$1,895$1,631$1,400$782
15 years$2,345$2,007$1,711$1,454$1,232$655
16 years$2,175$1,841$1,552$1,302$1,089$550
17 years$2,026$1,696$1,412$1,170$966$462
18 years$1,894$1,567$1,289$1,054$859$390
19 years$1,775$1,452$1,180$953$765$329
20 years$1,669$1,349$1,083$863$684$278
21 years$1,573$1,257$996$783$612$236
22 years$1,485$1,173$918$712$548$200
23 years$1,406$1,097$848$648$492$169
24 years$1,333$1,028$784$591$442$144
25 years$1,266$965$726$540$398$122
26 years$1,204$907$673$494$359$104
27 years$1,147$853$625$452$323$88
28 years$1,094$804$581$414$292$75
29 years$1,045$759$541$380$263$64
30 years$999$717$504$349$238$54
31 years$957$677$470$320$215$46
32 years$917$641$438$294$195$39
33 years$879$607$409$271$176$33
34 years$844$575$382$249$159$28
35 years$811$546$357$229$144$24
36 years$780$518$334$211$131$21
37 years$750$492$313$194$119$18
38 years$723$467$293$179$108$15
39 years$696$444$275$165$98$13
40 years$671$423$257$152$88$11
41 years$648$403$241$141$80$9
42 years$625$383$226$130$73$8
43 years$604$365$212$120$66$7
44 years$583$348$199$111$60$6
45 years$564$332$187$102$54$5
46 years$545$317$176$94$49$4
47 years$528$302$165$87$45$4
48 years$511$289$155$81$41$3
49 years$495$276$146$74$37$3
50 years$479$263$137$69$34$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $491,000, adding $6,001 every year, while hoping to spend $33,723 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: 58/30/12 Blend
34$491,000$491,000$491,000$491,000
35$547,272$521,249$513,639$577,051
36$567,213$510,909$494,964$587,503
37$588,057$498,933$474,534$594,611
38$609,862$485,203$452,254$601,555
39$632,688$469,598$428,025$608,322
40$656,602$451,989$401,744$614,902
41$681,676$432,236$373,302$621,285
42$707,987$410,196$342,589$627,460
43$735,621$385,715$309,484$633,418
44$764,669$358,630$273,867$639,153
45$795,232$328,769$235,608$644,658
46$827,417$295,951$194,572$649,929
47$861,345$259,983$150,621$654,964
48$897,143$220,663$103,608$659,764
49$934,953$177,777$53,380$664,333
50$974,928$131,098$0$668,677
51$1,017,235$80,386$0$672,837
52$1,062,058$25,390$0$684,096
53$1,109,597$0$0$695,656
54$1,160,069$0$0$718,843
55$1,213,715$0$0$752,418
56$1,270,795$0$0$788,166
57$1,331,595$0$0$826,269
58$1,396,430$0$0$866,926
59$1,465,641$0$0$910,357
60$1,539,605$0$0$956,799
61$1,618,734$0$0$1,006,517
62$1,703,481$0$0$1,059,798
63$1,794,340$0$0$1,116,958
64$1,891,855$0$0$1,178,344
65$1,996,623$0$0$1,244,335
66$2,109,300$0$0$1,315,351
67$2,230,604$0$0$1,391,850
68$2,361,324$0$0$1,474,334
69$2,502,329$0$0$1,563,358
70$2,654,571$0$0$1,659,531
71$2,819,097$0$0$1,763,518
72$2,997,058$0$0$1,876,057
73$3,189,720$0$0$1,997,953
74$3,398,472$0$0$2,130,094
75$3,624,844$0$0$2,273,456
76$3,870,518$0$0$2,429,114
77$4,137,342$0$0$2,598,247
78$4,427,351$0$0$2,782,155
79$4,742,784$0$0$2,982,267
80$5,086,101$0$0$3,200,154
81$5,460,013$0$0$3,437,547
82$5,867,500$0$0$3,696,350
83$6,311,844$0$0$3,978,658
84$6,796,656$0$0$4,286,778
85$7,325,910$0$0$4,623,249
86$7,903,981$0$0$4,990,865
87$8,535,687$0$0$5,392,703
88$9,226,331$0$0$5,832,151
89$9,981,750$0$0$6,312,939
90$10,808,373$0$0$6,839,173
91$11,713,279$0$0$7,415,376
92$12,704,263$0$0$8,046,528
93$13,789,908$0$0$8,738,113
94$14,979,668$0$0$9,496,171
95$16,283,955$0$0$10,327,354
96$17,714,233$0$0$11,238,989
97$19,283,134$0$0$12,239,146
98$21,004,567$0$0$13,336,712
99$22,893,855$0$0$14,541,479
100$24,967,874$0$0$15,864,232