Can I retire at age 35 with 437,000?

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 $437,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$36,087$35,766$35,452$35,146$34,847$34,355
2 years$17,865$17,532$17,210$16,897$16,594$16,099
3 years$11,792$11,457$11,136$10,826$10,528$10,045
4 years$8,756$8,422$8,104$7,800$7,509$7,042
5 years$6,934$6,603$6,289$5,991$5,708$5,260
6 years$5,721$5,392$5,082$4,791$4,516$4,086
7 years$4,854$4,528$4,224$3,939$3,673$3,261
8 years$4,204$3,882$3,582$3,304$3,047$2,654
9 years$3,699$3,380$3,085$2,814$2,566$2,191
10 years$3,296$2,979$2,690$2,426$2,186$1,829
11 years$2,966$2,652$2,368$2,111$1,880$1,541
12 years$2,691$2,380$2,101$1,852$1,630$1,307
13 years$2,458$2,151$1,878$1,635$1,421$1,115
14 years$2,259$1,955$1,687$1,451$1,246$956
15 years$2,087$1,786$1,523$1,294$1,097$823
16 years$1,936$1,639$1,381$1,159$969$711
17 years$1,803$1,509$1,257$1,041$859$615
18 years$1,685$1,395$1,147$938$764$534
19 years$1,580$1,293$1,050$848$681$465
20 years$1,485$1,201$964$768$608$405
21 years$1,400$1,119$886$697$544$353
22 years$1,322$1,044$817$634$488$309
23 years$1,251$977$754$577$438$270
24 years$1,186$915$698$526$394$237
25 years$1,127$859$646$481$354$207
26 years$1,072$807$599$440$319$182
27 years$1,021$760$556$402$288$160
28 years$974$716$517$369$260$140
29 years$930$675$481$338$234$123
30 years$890$638$448$310$212$108
31 years$852$603$418$285$192$95
32 years$816$570$390$262$173$84
33 years$783$540$364$241$157$74
34 years$751$512$340$222$142$65
35 years$722$486$318$204$129$57
36 years$694$461$298$188$116$50
37 years$668$438$279$173$106$44
38 years$643$416$261$160$96$39
39 years$620$396$244$147$87$34
40 years$597$376$229$136$79$30
41 years$576$358$215$125$71$27
42 years$556$341$201$116$65$24
43 years$537$325$189$107$59$21
44 years$519$310$177$98$53$18
45 years$502$296$167$91$48$16
46 years$485$282$157$84$44$14
47 years$470$269$147$78$40$13
48 years$455$257$138$72$36$11
49 years$440$245$130$66$33$10
50 years$427$234$122$61$30$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $437,000, adding $3,155 every year, while hoping to spend $23,083 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: 59/11/30 Blend
34$437,000$437,000$437,000$437,000
35$484,828$461,667$454,894$509,291
36$509,721$459,729$445,573$524,465
37$536,378$456,922$435,166$538,306
38$564,957$453,179$423,612$552,933
39$595,628$448,430$410,848$568,431
40$628,578$442,599$396,807$584,893
41$664,013$435,607$381,420$602,421
42$702,159$427,368$364,615$621,130
43$743,264$417,794$346,314$641,147
44$787,601$406,790$326,439$662,615
45$835,468$394,254$304,907$685,690
46$887,195$380,082$281,631$710,547
47$943,144$364,161$256,520$737,380
48$1,003,711$346,371$229,480$766,405
49$1,069,333$326,587$200,411$797,861
50$1,140,491$304,676$169,211$832,012
51$1,217,713$280,496$135,771$869,152
52$1,301,579$253,900$99,979$909,607
53$1,392,729$224,731$61,718$953,739
54$1,491,866$192,821$20,863$1,001,946
55$1,599,763$157,995$0$1,054,671
56$1,717,270$120,069$0$1,119,683
57$1,845,325$78,845$0$1,197,848
58$1,984,957$34,118$0$1,283,125
59$2,137,301$0$0$1,376,227
60$2,303,606$0$0$1,479,673
61$2,485,245$0$0$1,597,201
62$2,683,731$0$0$1,725,665
63$2,900,731$0$0$1,866,148
64$3,138,076$0$0$2,019,840
65$3,397,788$0$0$2,188,054
66$3,682,088$0$0$2,372,235
67$3,993,425$0$0$2,573,974
68$4,334,495$0$0$2,795,023
69$4,708,267$0$0$3,037,312
70$5,118,011$0$0$3,302,967
71$5,567,329$0$0$3,594,327
72$6,060,185$0$0$3,913,971
73$6,600,951$0$0$4,264,739
74$7,194,437$0$0$4,649,760
75$7,845,945$0$0$5,072,478
76$8,561,313$0$0$5,536,689
77$9,346,974$0$0$6,046,574
78$10,210,013$0$0$6,606,739
79$11,158,236$0$0$7,222,260
80$12,200,243$0$0$7,898,724
81$13,345,505$0$0$8,642,292
82$14,604,461$0$0$9,459,747
83$15,988,608$0$0$10,358,564
84$17,510,615$0$0$11,346,980
85$19,184,438$0$0$12,434,067
86$21,025,455$0$0$13,629,823
87$23,050,608$0$0$14,945,261
88$25,278,564$0$0$16,392,517
89$27,729,891$0$0$17,984,963
90$30,427,250$0$0$19,737,332
91$33,395,611$0$0$21,665,856
92$36,662,484$0$0$23,788,422
93$40,258,185$0$0$26,124,738
94$44,216,116$0$0$28,696,520
95$48,573,081$0$0$31,527,696
96$53,369,634$0$0$34,644,632
97$58,650,462$0$0$38,076,381
98$64,464,804$0$0$41,854,955
99$70,866,917$0$0$46,015,629
100$77,916,586$0$0$50,597,273