Can I retire at age 35 with 427,000?

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 $427,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$35,261$34,947$34,641$34,342$34,050$33,039
2 years$17,456$17,131$16,816$16,510$16,214$15,204
3 years$11,522$11,195$10,881$10,578$10,287$9,310
4 years$8,555$8,230$7,919$7,621$7,337$6,399
5 years$6,776$6,452$6,145$5,854$5,577$4,682
6 years$5,590$5,269$4,966$4,681$4,413$3,561
7 years$4,743$4,425$4,127$3,849$3,589$2,781
8 years$4,108$3,793$3,500$3,229$2,977$2,212
9 years$3,615$3,302$3,015$2,750$2,507$1,784
10 years$3,220$2,911$2,628$2,371$2,136$1,454
11 years$2,898$2,591$2,314$2,063$1,837$1,195
12 years$2,629$2,326$2,053$1,810$1,592$988
13 years$2,402$2,102$1,835$1,598$1,388$821
14 years$2,207$1,911$1,648$1,418$1,217$686
15 years$2,039$1,745$1,488$1,265$1,072$574
16 years$1,892$1,601$1,349$1,132$947$483
17 years$1,762$1,475$1,228$1,018$840$406
18 years$1,647$1,363$1,121$917$747$343
19 years$1,544$1,263$1,026$829$666$290
20 years$1,451$1,174$942$750$594$245
21 years$1,368$1,093$866$681$532$208
22 years$1,292$1,020$798$619$477$176
23 years$1,222$954$737$564$428$149
24 years$1,159$894$682$514$385$127
25 years$1,101$839$631$470$346$108
26 years$1,047$789$586$430$312$92
27 years$998$742$544$393$281$78
28 years$952$699$505$360$254$66
29 years$909$660$470$330$229$56
30 years$869$623$438$303$207$48
31 years$832$589$408$278$187$41
32 years$797$557$381$256$169$35
33 years$765$528$356$235$153$30
34 years$734$500$332$216$139$25
35 years$705$474$311$199$126$22
36 years$678$450$291$184$114$18
37 years$653$428$272$169$103$16
38 years$628$407$255$156$94$13
39 years$605$387$239$144$85$11
40 years$584$368$224$133$77$10
41 years$563$350$210$122$70$8
42 years$544$333$197$113$63$7
43 years$525$318$185$104$57$6
44 years$507$303$173$96$52$5
45 years$490$289$163$89$47$4
46 years$474$275$153$82$43$4
47 years$459$263$144$76$39$3
48 years$444$251$135$70$35$3
49 years$430$240$127$65$32$2
50 years$417$229$119$60$29$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $427,000, adding $4,990 every year, while hoping to spend $26,122 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: 48/27/25 Blend
34$427,000$427,000$427,000$427,000
35$475,701$453,070$446,452$494,939
36$496,429$447,477$433,614$503,326
37$518,396$440,734$419,471$509,444
38$541,700$432,758$403,951$515,565
39$566,450$423,460$386,980$521,704
40$592,763$412,744$368,479$527,876
41$620,769$400,513$348,368$534,099
42$650,609$386,660$326,560$540,397
43$682,439$371,074$302,967$546,798
44$716,427$353,636$277,496$553,333
45$752,761$334,222$250,050$560,041
46$791,642$312,699$220,526$566,966
47$833,296$288,928$188,820$574,158
48$877,967$262,760$154,821$581,678
49$925,924$234,040$118,412$589,594
50$977,463$202,602$79,473$597,983
51$1,032,907$168,273$37,878$606,936
52$1,092,613$130,867$0$616,555
53$1,156,970$90,190$0$628,691
54$1,226,408$46,037$0$652,637
55$1,301,399$0$0$678,466
56$1,382,461$0$0$706,923
57$1,470,163$0$0$752,547
58$1,565,132$0$0$801,991
59$1,668,055$0$0$855,617
60$1,779,690$0$0$913,826
61$1,900,869$0$0$977,056
62$2,032,506$0$0$1,045,792
63$2,175,610$0$0$1,120,565
64$2,331,288$0$0$1,201,959
65$2,500,759$0$0$1,290,620
66$2,685,363$0$0$1,387,254
67$2,886,578$0$0$1,492,643
68$3,106,026$0$0$1,607,644
69$3,345,496$0$0$1,733,201
70$3,606,956$0$0$1,870,355
71$3,892,572$0$0$2,020,251
72$4,204,728$0$0$2,184,148
73$4,546,050$0$0$2,363,434
74$4,919,428$0$0$2,559,637
75$5,328,047$0$0$2,774,440
76$5,775,410$0$0$3,009,695
77$6,265,376$0$0$3,267,442
78$6,802,197$0$0$3,549,928
79$7,390,553$0$0$3,859,627
80$8,035,599$0$0$4,199,266
81$8,743,013$0$0$4,571,845
82$9,519,048$0$0$4,980,672
83$10,370,592$0$0$5,429,387
84$11,305,233$0$0$5,922,003
85$12,331,328$0$0$6,462,939
86$13,458,082$0$0$7,057,062
87$14,695,638$0$0$7,709,735
88$16,055,167$0$0$8,426,866
89$17,548,976$0$0$9,214,962
90$19,190,622$0$0$10,081,194
91$20,995,044$0$0$11,033,459
92$22,978,697$0$0$12,080,462
93$25,159,710$0$0$13,231,789
94$27,558,058$0$0$14,498,003
95$30,195,748$0$0$15,890,743
96$33,097,025$0$0$17,422,832
97$36,288,603$0$0$19,108,398
98$39,799,916$0$0$20,963,008
99$43,663,395$0$0$23,003,812
100$47,914,771$0$0$25,249,710