Can I retire at age 35 with 336,000?

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 $336,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$27,747$27,499$27,258$27,023$26,793$26,220
2 years$13,736$13,480$13,232$12,992$12,759$12,184
3 years$9,066$8,809$8,562$8,324$8,095$7,536
4 years$6,732$6,476$6,231$5,997$5,773$5,236
5 years$5,332$5,077$4,836$4,606$4,389$3,873
6 years$4,399$4,146$3,908$3,684$3,473$2,980
7 years$3,732$3,482$3,247$3,029$2,824$2,355
8 years$3,233$2,984$2,754$2,541$2,343$1,896
9 years$2,844$2,599$2,372$2,164$1,973$1,549
10 years$2,534$2,290$2,068$1,865$1,681$1,279
11 years$2,280$2,039$1,821$1,623$1,446$1,065
12 years$2,069$1,830$1,616$1,424$1,253$893
13 years$1,890$1,654$1,444$1,257$1,093$753
14 years$1,737$1,503$1,297$1,116$958$638
15 years$1,604$1,373$1,171$995$843$542
16 years$1,489$1,260$1,062$891$745$462
17 years$1,386$1,160$966$801$661$395
18 years$1,296$1,072$882$722$588$339
19 years$1,215$994$807$652$524$291
20 years$1,142$923$741$591$468$250
21 years$1,076$860$682$536$419$215
22 years$1,016$803$628$487$375$185
23 years$962$751$580$444$337$160
24 years$912$704$536$405$303$138
25 years$866$660$497$370$272$119
26 years$824$621$461$338$245$103
27 years$785$584$428$309$221$89
28 years$749$550$398$283$200$77
29 years$715$519$370$260$180$67
30 years$684$490$345$239$163$58
31 years$655$464$321$219$147$50
32 years$627$439$300$201$133$44
33 years$602$415$280$185$121$38
34 years$578$394$262$170$109$33
35 years$555$373$245$157$99$28
36 years$534$354$229$144$90$25
37 years$513$337$214$133$81$21
38 years$494$320$201$123$74$19
39 years$476$304$188$113$67$16
40 years$459$289$176$104$61$14
41 years$443$275$165$96$55$12
42 years$428$262$155$89$50$10
43 years$413$250$145$82$45$9
44 years$399$238$136$76$41$8
45 years$386$227$128$70$37$7
46 years$373$217$120$65$34$6
47 years$361$207$113$60$31$5
48 years$350$197$106$55$28$4
49 years$339$189$100$51$25$4
50 years$328$180$94$47$23$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $336,000, adding $4,240 every year, while hoping to spend $23,228 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: 25/46/29 Blend
34$336,000$336,000$336,000$336,000
35$374,646$356,838$351,630$380,539
36$388,145$349,608$338,695$378,573
37$402,243$341,246$324,548$374,227
38$416,976$331,671$309,125$369,089
39$432,383$320,799$292,356$363,110
40$448,507$308,539$274,171$356,235
41$465,395$294,798$254,496$348,411
42$483,096$279,474$233,252$339,579
43$501,665$262,461$210,360$329,678
44$521,161$243,648$185,732$318,646
45$541,648$222,914$159,283$306,415
46$563,195$200,136$130,918$292,918
47$585,878$175,180$100,541$278,082
48$609,780$147,907$68,051$261,832
49$634,990$118,167$33,344$244,090
50$661,607$85,805$0$224,774
51$689,737$50,655$0$204,944
52$719,497$12,544$0$194,452
53$751,013$0$0$182,917
54$784,425$0$0$184,817
55$819,885$0$0$193,600
56$857,558$0$0$202,963
57$897,626$0$0$212,953
58$940,288$0$0$223,624
59$985,761$0$0$235,036
60$1,034,283$0$0$247,253
61$1,086,116$0$0$260,346
62$1,141,546$0$0$274,392
63$1,200,886$0$0$289,477
64$1,264,480$0$0$305,694
65$1,332,705$0$0$323,146
66$1,405,976$0$0$341,945
67$1,484,746$0$0$362,216
68$1,569,515$0$0$384,095
69$1,660,830$0$0$407,731
70$1,759,292$0$0$433,287
71$1,865,563$0$0$460,946
72$1,980,369$0$0$490,905
73$2,104,507$0$0$523,382
74$2,238,854$0$0$558,618
75$2,384,375$0$0$596,876
76$2,542,130$0$0$638,447
77$2,713,284$0$0$683,650
78$2,899,120$0$0$732,836
79$3,101,046$0$0$786,392
80$3,320,615$0$0$844,743
81$3,559,533$0$0$908,357
82$3,819,677$0$0$977,749
83$4,103,113$0$0$1,053,487
84$4,412,116$0$0$1,136,194
85$4,749,187$0$0$1,226,558
86$5,117,081$0$0$1,325,335
87$5,518,829$0$0$1,433,357
88$5,957,770$0$0$1,551,542
89$6,437,578$0$0$1,680,900
90$6,962,297$0$0$1,822,542
91$7,536,383$0$0$1,977,692
92$8,164,739$0$0$2,147,699
93$8,852,767$0$0$2,334,047
94$9,606,413$0$0$2,538,372
95$10,432,226$0$0$2,762,476
96$11,337,421$0$0$3,008,342
97$12,329,939$0$0$3,278,154
98$13,418,533$0$0$3,574,321
99$14,612,837$0$0$3,899,494
100$15,923,467$0$0$4,256,593