Can I retire at age 35 with 499,000?

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 $499,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$41,207$40,840$40,482$40,132$39,791$39,326
2 years$20,399$20,020$19,651$19,294$18,948$18,480
3 years$13,465$13,083$12,716$12,362$12,021$11,565
4 years$9,998$9,617$9,254$8,906$8,574$8,133
5 years$7,918$7,540$7,181$6,841$6,518$6,093
6 years$6,532$6,157$5,804$5,471$5,157$4,749
7 years$5,543$5,171$4,823$4,498$4,194$3,803
8 years$4,801$4,432$4,090$3,773$3,479$3,105
9 years$4,224$3,859$3,523$3,214$2,930$2,573
10 years$3,763$3,402$3,071$2,770$2,497$2,156
11 years$3,386$3,028$2,704$2,411$2,147$1,823
12 years$3,072$2,718$2,400$2,115$1,861$1,552
13 years$2,807$2,456$2,144$1,867$1,623$1,329
14 years$2,580$2,233$1,926$1,657$1,422$1,144
15 years$2,383$2,040$1,739$1,478$1,252$989
16 years$2,211$1,871$1,577$1,323$1,107$858
17 years$2,059$1,723$1,435$1,189$981$746
18 years$1,924$1,592$1,310$1,072$873$650
19 years$1,804$1,476$1,199$968$778$568
20 years$1,696$1,371$1,100$877$695$497
21 years$1,598$1,277$1,012$796$622$436
22 years$1,509$1,192$933$724$557$383
23 years$1,429$1,115$861$659$500$336
24 years$1,355$1,045$797$601$450$296
25 years$1,286$981$738$549$405$261
26 years$1,224$922$684$502$364$230
27 years$1,166$867$635$459$329$203
28 years$1,112$817$591$421$296$179
29 years$1,062$771$550$386$268$158
30 years$1,016$728$512$354$242$139
31 years$972$688$477$325$219$123
32 years$932$651$445$299$198$109
33 years$894$617$416$275$179$96
34 years$858$585$389$253$162$85
35 years$824$554$363$233$147$75
36 years$793$526$340$214$133$67
37 years$763$500$318$198$121$59
38 years$734$475$298$182$109$52
39 years$708$452$279$168$99$46
40 years$682$430$262$155$90$41
41 years$658$409$245$143$82$36
42 years$635$390$230$132$74$32
43 years$614$371$216$122$67$29
44 years$593$354$203$112$61$25
45 years$573$337$190$104$55$22
46 years$554$322$179$96$50$20
47 years$536$307$168$89$46$18
48 years$519$293$158$82$41$16
49 years$503$280$148$76$38$14
50 years$487$268$139$70$34$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $499,000, adding $6,757 every year, while hoping to spend $39,260 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: 62/21/17 Blend
34$499,000$499,000$499,000$499,000
35$556,868$530,421$522,686$588,602
36$571,896$514,639$498,424$594,992
37$587,141$496,768$472,033$596,939
38$602,584$476,664$443,401$598,139
39$618,202$454,176$412,409$598,521
40$633,969$429,141$378,935$598,012
41$649,855$401,389$342,850$596,531
42$665,824$370,742$304,020$593,990
43$681,838$337,007$262,304$590,296
44$697,850$299,985$217,556$585,347
45$713,808$259,462$169,622$579,036
46$729,655$215,214$118,343$571,244
47$745,325$167,004$63,551$561,845
48$760,741$114,581$5,074$550,703
49$775,821$57,680$0$537,669
50$790,470$0$0$532,983
51$804,582$0$0$528,653
52$818,038$0$0$537,183
53$830,705$0$0$545,153
54$842,434$0$0$552,461
55$853,061$0$0$558,993
56$862,400$0$0$564,622
57$870,244$0$0$569,207
58$876,365$0$0$572,589
59$880,507$0$0$574,595
60$882,386$0$0$575,028
61$881,687$0$0$573,673
62$878,059$0$0$570,289
63$871,114$0$0$564,611
64$860,421$0$0$556,342
65$845,502$0$0$545,155
66$825,826$0$0$530,687
67$800,807$0$0$512,536
68$769,794$0$0$490,257
69$732,068$0$0$463,357
70$686,833$0$0$431,290
71$633,206$0$0$393,454
72$570,214$0$0$349,181
73$496,777$0$0$297,733
74$411,705$0$0$238,295
75$313,679$0$0$169,966
76$201,244$0$0$91,748
77$72,792$0$0$2,543
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