Can I retire at age 35 with 364,000?

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 $364,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$30,059$29,791$29,530$29,275$29,026$28,463
2 years$14,881$14,603$14,335$14,074$13,822$13,257
3 years$9,822$9,544$9,276$9,018$8,769$8,220
4 years$7,293$7,015$6,750$6,497$6,254$5,725
5 years$5,776$5,500$5,238$4,990$4,754$4,247
6 years$4,765$4,491$4,233$3,991$3,762$3,276
7 years$4,043$3,772$3,518$3,281$3,059$2,596
8 years$3,502$3,233$2,984$2,752$2,538$2,096
9 years$3,081$2,815$2,570$2,344$2,137$1,718
10 years$2,745$2,481$2,240$2,021$1,821$1,423
11 years$2,470$2,209$1,972$1,759$1,566$1,188
12 years$2,241$1,983$1,750$1,543$1,357$1,000
13 years$2,048$1,792$1,564$1,362$1,184$846
14 years$1,882$1,629$1,405$1,209$1,038$719
15 years$1,738$1,488$1,269$1,078$914$613
16 years$1,613$1,365$1,150$965$807$525
17 years$1,502$1,257$1,047$867$716$450
18 years$1,404$1,162$955$782$637$387
19 years$1,316$1,077$875$706$567$334
20 years$1,237$1,000$803$640$507$288
21 years$1,166$932$738$581$454$249
22 years$1,101$870$681$528$407$215
23 years$1,042$814$628$481$365$186
24 years$988$762$581$438$328$162
25 years$938$715$538$400$295$140
26 years$893$672$499$366$266$122
27 years$850$633$464$335$240$106
28 years$811$596$431$307$216$92
29 years$775$562$401$282$195$80
30 years$741$531$374$258$176$69
31 years$709$502$348$237$160$60
32 years$680$475$325$218$144$53
33 years$652$450$303$201$131$46
34 years$626$426$283$185$118$40
35 years$601$404$265$170$107$35
36 years$578$384$248$156$97$30
37 years$556$365$232$144$88$26
38 years$536$347$217$133$80$23
39 years$516$330$204$123$72$20
40 years$498$314$191$113$66$17
41 years$480$298$179$104$59$15
42 years$463$284$168$96$54$13
43 years$448$271$157$89$49$12
44 years$432$258$148$82$44$10
45 years$418$246$139$76$40$9
46 years$404$235$130$70$37$8
47 years$391$224$122$65$33$7
48 years$379$214$115$60$30$6
49 years$367$204$108$55$27$5
50 years$355$195$102$51$25$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $364,000, adding $4,497 every year, while hoping to spend $23,479 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: 52/28/20 Blend
34$364,000$364,000$364,000$364,000
35$405,767$386,475$380,833$424,413
36$422,173$380,430$368,609$431,689
37$439,467$373,303$355,189$436,789
38$457,712$365,015$340,508$441,835
39$476,981$355,483$324,497$446,830
40$497,353$344,621$307,087$451,777
41$518,911$332,335$288,203$456,685
42$541,749$318,529$267,767$461,560
43$565,968$303,098$245,698$466,415
44$591,681$285,934$221,913$471,263
45$619,007$266,920$196,322$476,121
46$648,081$245,934$168,834$481,012
47$679,047$222,846$139,351$485,961
48$712,065$197,521$107,775$490,997
49$747,309$169,812$73,998$496,157
50$784,970$139,569$37,913$501,483
51$825,257$106,628$0$507,023
52$868,401$70,821$0$512,963
53$914,654$31,966$0$527,883
54$964,290$0$0$543,786
55$1,017,614$0$0$563,906
56$1,074,959$0$0$596,162
57$1,136,690$0$0$630,911
58$1,203,208$0$0$668,384
59$1,274,954$0$0$708,833
60$1,352,412$0$0$752,534
61$1,436,115$0$0$799,791
62$1,526,646$0$0$850,940
63$1,624,649$0$0$906,347
64$1,730,831$0$0$966,417
65$1,845,967$0$0$1,031,594
66$1,970,913$0$0$1,102,368
67$2,106,609$0$0$1,179,275
68$2,254,087$0$0$1,262,907
69$2,414,485$0$0$1,353,915
70$2,589,054$0$0$1,453,015
71$2,779,170$0$0$1,560,994
72$2,986,347$0$0$1,678,721
73$3,212,254$0$0$1,807,148
74$3,458,724$0$0$1,947,327
75$3,727,777$0$0$2,100,413
76$4,021,635$0$0$2,267,679
77$4,342,746$0$0$2,450,527
78$4,693,804$0$0$2,650,499
79$5,077,775$0$0$2,869,294
80$5,497,925$0$0$3,108,781
81$5,957,850$0$0$3,371,022
82$6,461,510$0$0$3,658,282
83$7,013,266$0$0$3,973,062
84$7,617,921$0$0$4,318,110
85$8,280,763$0$0$4,696,456
86$9,007,619$0$0$5,111,438
87$9,804,904$0$0$5,566,730
88$10,679,685$0$0$6,066,380
89$11,639,746$0$0$6,614,848
90$12,693,661$0$0$7,217,045
91$13,850,875$0$0$7,878,382
92$15,121,793$0$0$8,604,819
93$16,517,876$0$0$9,402,922
94$18,051,749$0$0$10,279,924
95$19,737,322$0$0$11,243,795
96$21,589,919$0$0$12,303,313
97$23,626,422$0$0$13,468,151
98$25,865,429$0$0$14,748,963
99$28,327,433$0$0$16,157,492
100$31,035,008$0$0$17,706,670