Can I retire at age 35 with 419,000?

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 $419,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$34,601$34,292$33,992$33,698$33,412$32,630
2 years$17,129$16,810$16,501$16,201$15,910$15,128
3 years$11,306$10,986$10,677$10,380$10,094$9,335
4 years$8,395$8,076$7,770$7,478$7,199$6,469
5 years$6,649$6,331$6,030$5,744$5,473$4,773
6 years$5,485$5,170$4,873$4,594$4,330$3,662
7 years$4,654$4,342$4,050$3,777$3,522$2,885
8 years$4,031$3,722$3,434$3,168$2,922$2,317
9 years$3,547$3,240$2,958$2,699$2,460$1,887
10 years$3,160$2,856$2,579$2,326$2,096$1,553
11 years$2,843$2,543$2,270$2,024$1,803$1,289
12 years$2,580$2,282$2,015$1,776$1,562$1,078
13 years$2,357$2,062$1,800$1,568$1,362$905
14 years$2,166$1,875$1,617$1,392$1,194$764
15 years$2,001$1,713$1,460$1,241$1,052$647
16 years$1,856$1,571$1,324$1,111$929$550
17 years$1,729$1,447$1,205$998$824$469
18 years$1,616$1,337$1,100$900$733$400
19 years$1,515$1,239$1,007$813$653$342
20 years$1,424$1,152$924$736$583$293
21 years$1,342$1,073$850$668$522$251
22 years$1,267$1,001$783$608$468$216
23 years$1,200$936$723$553$420$185
24 years$1,137$877$669$505$378$160
25 years$1,080$823$620$461$340$137
26 years$1,028$774$575$421$306$118
27 years$979$728$534$386$276$102
28 years$934$686$496$353$249$88
29 years$892$647$462$324$225$76
30 years$853$611$430$297$203$65
31 years$816$578$401$273$184$56
32 years$782$547$374$251$166$49
33 years$750$518$349$231$150$42
34 years$720$491$326$212$136$36
35 years$692$466$305$196$123$31
36 years$665$442$285$180$112$27
37 years$640$420$267$166$101$23
38 years$617$399$250$153$92$20
39 years$594$379$234$141$83$17
40 years$573$361$220$130$75$15
41 years$553$344$206$120$68$13
42 years$533$327$193$111$62$11
43 years$515$312$181$102$56$10
44 years$498$297$170$94$51$8
45 years$481$283$160$87$46$7
46 years$465$270$150$81$42$6
47 years$450$258$141$74$38$5
48 years$436$246$132$69$35$5
49 years$422$235$125$64$32$4
50 years$409$225$117$59$29$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $419,000, adding $4,706 every year, while hoping to spend $23,671 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: 59/36/5 Blend
34$419,000$419,000$419,000$419,000
35$466,592$444,385$437,891$493,429
36$488,999$440,974$427,374$508,554
37$512,898$436,603$415,712$521,902
38$538,416$431,199$402,841$535,852
39$565,693$424,686$388,695$550,464
40$594,881$416,984$373,204$565,801
41$626,148$408,005$356,296$581,938
42$659,679$397,661$337,895$598,955
43$695,673$385,854$317,922$616,943
44$734,354$372,482$296,294$636,003
45$775,963$357,439$272,925$656,249
46$820,768$340,610$247,724$677,806
47$869,060$321,874$220,597$700,814
48$921,163$301,105$191,446$725,429
49$977,429$278,166$160,167$751,825
50$1,038,247$252,917$126,653$780,194
51$1,104,044$225,205$90,791$810,753
52$1,175,289$194,872$52,465$843,740
53$1,252,497$161,750$11,551$879,421
54$1,336,237$125,661$0$918,090
55$1,427,131$86,416$0$961,790
56$1,525,867$43,819$0$1,009,939
57$1,633,199$0$0$1,062,333
58$1,749,956$0$0$1,120,356
59$1,877,054$0$0$1,202,443
60$2,015,496$0$0$1,291,889
61$2,166,389$0$0$1,389,412
62$2,330,951$0$0$1,495,805
63$2,510,521$0$0$1,611,936
64$2,706,575$0$0$1,738,765
65$2,920,735$0$0$1,877,346
66$3,154,790$0$0$2,028,842
67$3,410,706$0$0$2,194,530
68$3,690,651$0$0$2,375,818
69$3,997,010$0$0$2,574,258
70$4,332,410$0$0$2,791,556
71$4,699,744$0$0$3,029,592
72$5,102,196$0$0$3,290,437
73$5,543,276$0$0$3,576,371
74$6,026,846$0$0$3,889,904
75$6,557,162$0$0$4,233,803
76$7,138,912$0$0$4,611,115
77$7,777,257$0$0$5,025,194
78$8,477,883$0$0$5,479,738
79$9,247,055$0$0$5,978,817
80$10,091,672$0$0$6,526,917
81$11,019,334$0$0$7,128,978
82$12,038,414$0$0$7,790,443
83$13,158,137$0$0$8,517,309
84$14,388,664$0$0$9,316,180
85$15,741,188$0$0$10,194,335
86$17,228,044$0$0$11,159,790
87$18,862,819$0$0$12,221,380
88$20,660,482$0$0$13,388,835
89$22,637,527$0$0$14,672,878
90$24,812,126$0$0$16,085,322
91$27,204,299$0$0$17,639,184
92$29,836,106$0$0$19,348,804
93$32,731,852$0$0$21,229,984
94$35,918,316$0$0$23,300,133
95$39,425,006$0$0$25,578,436
96$43,284,433$0$0$28,086,029
97$47,532,422$0$0$30,846,202
98$52,208,444$0$0$33,884,617
99$57,355,993$0$0$37,229,552
100$63,022,994$0$0$40,912,165