Can I retire at age 35 with 400,000?

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 $400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$33,032$32,737$32,450$32,170$31,897$31,100
2 years$16,352$16,048$15,753$15,466$15,189$14,392
3 years$10,793$10,487$10,193$9,909$9,636$8,863
4 years$8,014$7,709$7,418$7,139$6,873$6,130
5 years$6,347$6,044$5,757$5,484$5,225$4,513
6 years$5,236$4,936$4,652$4,385$4,134$3,456
7 years$4,443$4,145$3,866$3,605$3,362$2,716
8 years$3,849$3,553$3,279$3,024$2,789$2,176
9 years$3,386$3,093$2,824$2,576$2,349$1,768
10 years$3,017$2,727$2,462$2,221$2,001$1,452
11 years$2,714$2,427$2,167$1,933$1,721$1,202
12 years$2,463$2,179$1,924$1,695$1,492$1,002
13 years$2,250$1,969$1,719$1,497$1,301$840
14 years$2,068$1,790$1,544$1,329$1,140$707
15 years$1,910$1,635$1,394$1,185$1,004$597
16 years$1,772$1,500$1,264$1,061$887$506
17 years$1,651$1,381$1,150$953$787$430
18 years$1,543$1,277$1,050$859$699$366
19 years$1,446$1,183$961$776$623$312
20 years$1,359$1,099$882$703$557$266
21 years$1,281$1,024$811$638$498$228
22 years$1,210$956$748$580$447$195
23 years$1,145$894$690$528$401$167
24 years$1,086$838$639$482$360$143
25 years$1,031$786$591$440$324$123
26 years$981$739$549$402$292$105
27 years$935$695$509$368$263$91
28 years$892$655$474$337$238$78
29 years$852$618$441$309$215$67
30 years$814$584$410$284$194$57
31 years$779$552$383$261$175$49
32 years$747$522$357$240$159$43
33 years$716$494$333$220$144$37
34 years$688$469$311$203$130$31
35 years$661$444$291$187$118$27
36 years$635$422$272$172$107$23
37 years$611$401$255$158$97$20
38 years$589$381$239$146$88$17
39 years$567$362$224$135$79$15
40 years$547$345$210$124$72$13
41 years$528$328$197$115$65$11
42 years$509$312$184$106$59$9
43 years$492$298$173$98$54$8
44 years$475$284$162$90$49$7
45 years$459$270$153$83$44$6
46 years$444$258$143$77$40$5
47 years$430$246$135$71$37$4
48 years$416$235$126$66$33$4
49 years$403$224$119$61$30$3
50 years$391$214$112$56$27$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $400,000, adding $4,830 every year, while hoping to spend $21,867 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: 65/11/24 Blend
34$400,000$400,000$400,000$400,000
35$445,782$424,582$418,382$471,685
36$467,986$422,120$409,132$487,263
37$491,721$418,805$398,838$501,387
38$517,121$414,571$387,444$516,327
39$544,333$409,350$374,889$532,164
40$573,515$403,069$361,108$548,988
41$604,845$395,651$346,036$566,901
42$638,514$387,013$329,604$586,014
43$674,735$377,069$311,738$606,451
44$713,740$365,727$292,363$628,348
45$755,784$352,890$271,399$651,858
46$801,147$338,455$248,765$677,149
47$850,139$322,314$224,373$704,409
48$903,096$304,351$198,133$733,843
49$960,392$284,444$169,950$765,681
50$1,022,435$262,465$139,727$800,178
51$1,089,676$238,277$107,360$837,613
52$1,162,607$211,738$72,741$878,298
53$1,241,775$182,694$35,759$922,577
54$1,327,775$150,986$0$970,831
55$1,421,267$116,442$0$1,024,430
56$1,522,973$78,886$0$1,092,727
57$1,633,691$38,126$0$1,167,101
58$1,754,296$0$0$1,248,158
59$1,885,754$0$0$1,337,295
60$2,029,124$0$0$1,439,567
61$2,185,575$0$0$1,551,195
62$2,356,393$0$0$1,673,100
63$2,542,993$0$0$1,806,296
64$2,746,933$0$0$1,951,898
65$2,969,928$0$0$2,111,134
66$3,213,867$0$0$2,285,356
67$3,480,829$0$0$2,476,054
68$3,773,105$0$0$2,684,868
69$4,093,216$0$0$2,913,602
70$4,443,939$0$0$3,164,246
71$4,828,331$0$0$3,438,990
72$5,249,762$0$0$3,740,245
73$5,711,940$0$0$4,070,668
74$6,218,952$0$0$4,433,185
75$6,775,297$0$0$4,831,020
76$7,385,932$0$0$5,267,721
77$8,056,319$0$0$5,747,200
78$8,792,471$0$0$6,273,764
79$9,601,014$0$0$6,852,159
80$10,489,248$0$0$7,487,612
81$11,465,213$0$0$8,185,882
82$12,537,767$0$0$8,953,313
83$13,716,670$0$0$9,796,895
84$15,012,672$0$0$10,724,328
85$16,437,619$0$0$11,744,096
86$18,004,560$0$0$12,865,546
87$19,727,874$0$0$14,098,975
88$21,623,402$0$0$15,455,731
89$23,708,597$0$0$16,948,313
90$26,002,690$0$0$18,590,496
91$28,526,869$0$0$20,397,455
92$31,304,478$0$0$22,385,912
93$34,361,242$0$0$24,574,291
94$37,725,502$0$0$26,982,893
95$41,428,489$0$0$29,634,086
96$45,504,612$0$0$32,552,517
97$49,991,787$0$0$35,765,344
98$54,931,795$0$0$39,302,492
99$60,370,670$0$0$43,196,936
100$66,359,138$0$0$47,485,009