Can I retire at age 35 with 385,000?

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 $385,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$31,793$31,510$31,233$30,964$30,700$30,031
2 years$15,739$15,446$15,162$14,886$14,619$13,949
3 years$10,388$10,094$9,811$9,538$9,275$8,624
4 years$7,714$7,420$7,140$6,872$6,615$5,988
5 years$6,109$5,818$5,541$5,278$5,029$4,428
6 years$5,040$4,750$4,478$4,221$3,979$3,405
7 years$4,277$3,989$3,721$3,470$3,236$2,689
8 years$3,704$3,420$3,156$2,911$2,685$2,164
9 years$3,259$2,977$2,718$2,480$2,261$1,766
10 years$2,904$2,624$2,370$2,137$1,926$1,458
11 years$2,613$2,336$2,086$1,860$1,657$1,213
12 years$2,370$2,097$1,851$1,632$1,436$1,017
13 years$2,166$1,895$1,654$1,440$1,252$856
14 years$1,990$1,723$1,486$1,279$1,097$725
15 years$1,838$1,574$1,342$1,140$966$616
16 years$1,706$1,444$1,217$1,021$854$525
17 years$1,589$1,330$1,107$917$757$448
18 years$1,485$1,229$1,011$827$673$384
19 years$1,392$1,139$925$747$600$329
20 years$1,308$1,058$849$677$536$283
21 years$1,233$986$781$614$480$243
22 years$1,165$920$720$558$430$210
23 years$1,102$861$665$508$386$181
24 years$1,045$806$615$464$347$156
25 years$993$757$569$424$312$135
26 years$944$711$528$387$281$116
27 years$900$669$490$354$254$101
28 years$858$631$456$325$229$87
29 years$820$595$424$298$207$75
30 years$784$562$395$273$187$65
31 years$750$531$368$251$169$56
32 years$719$503$344$231$153$49
33 years$689$476$321$212$138$42
34 years$662$451$300$195$125$37
35 years$636$428$280$180$113$32
36 years$611$406$262$165$103$27
37 years$588$386$245$152$93$24
38 years$567$367$230$141$84$21
39 years$546$349$215$130$76$18
40 years$526$332$202$120$69$16
41 years$508$316$189$110$63$13
42 years$490$301$178$102$57$12
43 years$473$286$167$94$52$10
44 years$457$273$156$87$47$9
45 years$442$260$147$80$43$8
46 years$428$248$138$74$39$7
47 years$414$237$130$68$35$6
48 years$401$226$122$63$32$5
49 years$388$216$114$58$29$4
50 years$376$206$108$54$26$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $385,000, adding $4,792 every year, while hoping to spend $30,695 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: 36/40/24 Blend
34$385,000$385,000$385,000$385,000
35$429,213$408,808$402,840$441,416
36$440,333$396,180$383,676$438,195
37$451,559$381,905$362,842$431,557
38$462,869$365,869$340,248$423,780
39$474,238$347,953$315,802$414,779
40$485,638$328,030$289,409$404,468
41$497,035$305,966$260,966$392,752
42$508,394$281,619$230,370$379,530
43$519,672$254,841$197,509$364,697
44$530,822$225,472$162,269$348,139
45$541,792$193,345$124,531$329,735
46$552,520$158,284$84,168$309,355
47$562,939$120,103$41,050$286,863
48$572,974$78,603$0$262,112
49$582,541$33,578$0$236,217
50$591,543$0$0$219,041
51$599,875$0$0$206,609
52$607,420$0$0$208,614
53$614,044$0$0$210,222
54$619,600$0$0$211,375
55$623,926$0$0$212,006
56$626,838$0$0$212,043
57$628,134$0$0$211,403
58$627,589$0$0$209,997
59$624,954$0$0$207,723
60$619,950$0$0$204,471
61$612,270$0$0$200,118
62$601,573$0$0$194,527
63$587,480$0$0$187,546
64$569,574$0$0$179,008
65$547,389$0$0$168,728
66$520,413$0$0$156,501
67$488,076$0$0$142,098
68$449,751$0$0$125,271
69$404,741$0$0$105,740
70$352,277$0$0$83,199
71$291,508$0$0$57,310
72$221,496$0$0$27,697
73$141,199$0$0$0
74$49,472$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
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