Can I retire at age 35 with 492,000?

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 $492,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$40,629$40,267$39,914$39,569$39,233$38,855
2 years$20,113$19,739$19,376$19,024$18,682$18,302
3 years$13,276$12,899$12,537$12,189$11,853$11,482
4 years$9,858$9,482$9,124$8,781$8,454$8,094
5 years$7,807$7,434$7,081$6,745$6,426$6,080
6 years$6,441$6,071$5,722$5,394$5,085$4,752
7 years$5,465$5,098$4,755$4,435$4,135$3,816
8 years$4,734$4,370$4,033$3,720$3,431$3,125
9 years$4,165$3,805$3,473$3,169$2,889$2,596
10 years$3,710$3,354$3,028$2,731$2,462$2,182
11 years$3,339$2,986$2,666$2,377$2,117$1,851
12 years$3,029$2,680$2,366$2,085$1,835$1,581
13 years$2,768$2,422$2,114$1,841$1,600$1,359
14 years$2,543$2,201$1,899$1,634$1,402$1,173
15 years$2,349$2,011$1,715$1,457$1,235$1,017
16 years$2,180$1,845$1,555$1,305$1,091$885
17 years$2,030$1,699$1,415$1,172$968$773
18 years$1,897$1,570$1,291$1,057$860$676
19 years$1,779$1,455$1,182$955$767$593
20 years$1,672$1,352$1,085$865$685$521
21 years$1,576$1,260$998$785$613$458
22 years$1,488$1,176$920$714$549$404
23 years$1,409$1,100$849$650$493$356
24 years$1,336$1,030$785$593$443$315
25 years$1,268$967$727$541$399$278
26 years$1,207$909$675$495$359$246
27 years$1,150$855$627$453$324$218
28 years$1,097$806$582$415$292$193
29 years$1,047$760$542$381$264$171
30 years$1,001$718$505$349$239$152
31 years$959$679$471$321$216$135
32 years$919$642$439$295$195$120
33 years$881$608$410$271$177$106
34 years$846$576$383$249$160$94
35 years$813$547$358$230$145$84
36 years$781$519$335$211$131$75
37 years$752$493$314$195$119$66
38 years$724$468$294$180$108$59
39 years$698$445$275$166$98$52
40 years$673$424$258$153$89$47
41 years$649$403$242$141$80$41
42 years$626$384$227$130$73$37
43 years$605$366$213$120$66$33
44 years$585$349$200$111$60$29
45 years$565$333$188$102$55$26
46 years$547$317$176$95$50$23
47 years$529$303$166$87$45$21
48 years$512$289$156$81$41$18
49 years$496$276$146$75$37$16
50 years$480$264$137$69$34$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $492,000, adding $4,425 every year, while hoping to spend $35,004 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: 67/17/16 Blend
34$492,000$492,000$492,000$492,000
35$546,748$520,672$513,046$581,001
36$565,273$508,941$492,989$592,699
37$584,513$495,462$471,087$600,976
38$604,506$480,113$447,242$609,156
39$625,291$462,763$421,349$617,229
40$646,907$443,275$393,301$625,181
41$669,400$421,504$362,985$633,003
42$692,818$397,296$330,284$640,681
43$717,211$370,490$295,074$648,204
44$742,634$340,911$257,227$655,562
45$769,147$308,381$216,608$662,743
46$796,814$272,705$173,078$669,737
47$825,703$233,681$126,490$676,535
48$855,888$191,095$76,691$683,128
49$887,450$144,720$23,521$689,509
50$920,475$94,317$0$695,672
51$955,058$39,633$0$707,284
52$991,301$0$0$723,324
53$1,029,313$0$0$743,472
54$1,069,214$0$0$772,413
55$1,111,136$0$0$802,829
56$1,155,218$0$0$834,823
57$1,201,616$0$0$868,509
58$1,250,496$0$0$904,010
59$1,302,040$0$0$941,460
60$1,356,448$0$0$981,005
61$1,413,936$0$0$1,022,805
62$1,474,740$0$0$1,067,032
63$1,539,118$0$0$1,113,878
64$1,607,353$0$0$1,163,549
65$1,679,752$0$0$1,216,273
66$1,756,651$0$0$1,272,296
67$1,838,420$0$0$1,331,891
68$1,925,461$0$0$1,395,354
69$2,018,214$0$0$1,463,009
70$2,117,164$0$0$1,535,214
71$2,222,840$0$0$1,612,357
72$2,335,820$0$0$1,694,866
73$2,456,741$0$0$1,783,209
74$2,586,301$0$0$1,877,901
75$2,725,262$0$0$1,979,504
76$2,874,466$0$0$2,088,638
77$3,034,832$0$0$2,205,982
78$3,207,371$0$0$2,332,280
79$3,393,194$0$0$2,468,350
80$3,593,518$0$0$2,615,093
81$3,809,683$0$0$2,773,495
82$4,043,160$0$0$2,944,641
83$4,295,566$0$0$3,129,724
84$4,568,678$0$0$3,330,054
85$4,864,448$0$0$3,547,073
86$5,185,025$0$0$3,782,364
87$5,532,769$0$0$4,037,670
88$5,910,277$0$0$4,314,907
89$6,320,406$0$0$4,616,181
90$6,766,297$0$0$4,943,812
91$7,251,407$0$0$5,300,350
92$7,779,540$0$0$5,688,601
93$8,354,879$0$0$6,111,654
94$8,982,031$0$0$6,572,907
95$9,666,063$0$0$7,076,100
96$10,412,554$0$0$7,625,351
97$11,227,644$0$0$8,225,191
98$12,118,094$0$0$8,880,610
99$13,091,344$0$0$9,597,100
100$14,155,587$0$0$10,380,707