Can I retire at age 35 with 335,000?

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 $335,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$27,664$27,418$27,177$26,943$26,713$26,380
2 years$13,695$13,440$13,193$12,953$12,721$12,385
3 years$9,039$8,783$8,537$8,299$8,071$7,743
4 years$6,712$6,457$6,212$5,979$5,756$5,439
5 years$5,316$5,062$4,821$4,593$4,376$4,071
6 years$4,385$4,134$3,896$3,673$3,462$3,170
7 years$3,721$3,471$3,238$3,020$2,816$2,535
8 years$3,223$2,976$2,746$2,533$2,336$2,068
9 years$2,836$2,591$2,365$2,158$1,967$1,711
10 years$2,526$2,284$2,062$1,860$1,676$1,432
11 years$2,273$2,033$1,815$1,619$1,442$1,209
12 years$2,063$1,825$1,611$1,420$1,249$1,028
13 years$1,884$1,649$1,439$1,253$1,089$880
14 years$1,732$1,499$1,293$1,113$955$756
15 years$1,600$1,369$1,168$992$841$653
16 years$1,484$1,256$1,059$888$743$565
17 years$1,382$1,157$963$798$659$491
18 years$1,292$1,069$879$719$586$427
19 years$1,211$991$805$650$522$373
20 years$1,139$921$739$589$466$326
21 years$1,073$858$680$534$417$285
22 years$1,013$801$626$486$374$250
23 years$959$749$578$442$336$219
24 years$909$702$535$404$302$193
25 years$864$658$495$369$272$170
26 years$822$619$459$337$245$149
27 years$783$582$427$308$221$131
28 years$747$549$397$283$199$116
29 years$713$518$369$259$180$102
30 years$682$489$344$238$162$90
31 years$653$462$320$218$147$79
32 years$625$437$299$201$133$70
33 years$600$414$279$185$120$62
34 years$576$392$261$170$109$55
35 years$553$372$244$156$99$48
36 years$532$353$228$144$89$43
37 years$512$336$214$133$81$38
38 years$493$319$200$122$73$33
39 years$475$303$187$113$67$29
40 years$458$289$176$104$60$26
41 years$442$275$165$96$55$23
42 years$427$262$154$89$50$20
43 years$412$249$145$82$45$18
44 years$398$238$136$75$41$16
45 years$385$227$128$70$37$14
46 years$372$216$120$64$34$12
47 years$360$206$113$59$31$11
48 years$349$197$106$55$28$10
49 years$338$188$100$51$25$9
50 years$327$180$94$47$23$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $335,000, adding $3,201 every year, while hoping to spend $22,942 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: 71/21/8 Blend
34$335,000$335,000$335,000$335,000
35$372,472$354,717$349,524$398,187
36$386,054$347,688$336,823$408,581
37$400,252$339,546$322,928$416,814
38$415,106$330,211$307,774$425,194
39$430,656$319,601$291,294$433,731
40$446,949$307,627$273,418$442,435
41$464,033$294,196$254,073$451,318
42$481,962$279,210$233,182$460,394
43$500,794$262,562$210,665$469,678
44$520,590$244,144$186,438$479,189
45$541,421$223,837$160,414$488,946
46$563,360$201,519$132,502$498,974
47$586,488$177,059$102,606$509,300
48$610,894$150,319$70,627$519,953
49$636,673$121,153$36,462$530,969
50$663,932$89,407$1$542,386
51$692,783$54,918$0$554,251
52$723,353$17,515$0$569,933
53$755,778$0$0$586,385
54$790,208$0$0$608,993
55$826,806$0$0$637,336
56$865,751$0$0$667,505
57$907,239$0$0$699,655
58$951,483$0$0$733,952
59$998,719$0$0$770,579
60$1,049,204$0$0$809,738
61$1,103,220$0$0$851,649
62$1,161,076$0$0$896,553
63$1,223,111$0$0$944,716
64$1,289,697$0$0$996,428
65$1,361,242$0$0$1,052,007
66$1,438,195$0$0$1,111,806
67$1,521,047$0$0$1,176,207
68$1,610,340$0$0$1,245,634
69$1,706,666$0$0$1,320,549
70$1,810,677$0$0$1,401,464
71$1,923,090$0$0$1,488,938
72$2,044,693$0$0$1,583,587
73$2,176,351$0$0$1,686,088
74$2,319,015$0$0$1,797,185
75$2,473,733$0$0$1,917,695
76$2,641,654$0$0$2,048,519
77$2,824,045$0$0$2,190,647
78$3,022,297$0$0$2,345,167
79$3,237,943$0$0$2,513,277
80$3,472,666$0$0$2,696,294
81$3,728,322$0$0$2,895,669
82$4,006,949$0$0$3,112,998
83$4,310,795$0$0$3,350,036
84$4,642,329$0$0$3,608,717
85$5,004,273$0$0$3,891,167
86$5,399,621$0$0$4,199,730
87$5,831,669$0$0$4,536,984
88$6,304,046$0$0$4,905,768
89$6,820,748$0$0$5,309,207
90$7,386,175$0$0$5,750,743
91$8,005,172$0$0$6,234,165
92$8,683,072$0$0$6,763,647
93$9,425,752$0$0$7,343,785
94$10,239,682$0$0$7,979,639
95$11,131,985$0$0$8,676,784
96$12,110,511$0$0$9,441,360
97$13,183,903$0$0$10,280,128
98$14,361,683$0$0$11,200,536
99$15,654,335$0$0$12,210,789
100$17,073,413$0$0$13,319,923