Can I retire at age 35 with 443,000?

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 $443,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$36,583$36,257$35,939$35,628$35,325$34,113
2 years$18,110$17,773$17,446$17,129$16,822$15,612
3 years$11,954$11,615$11,289$10,975$10,672$9,504
4 years$8,876$8,538$8,215$7,907$7,612$6,494
5 years$7,030$6,694$6,375$6,073$5,786$4,721
6 years$5,799$5,466$5,152$4,857$4,578$3,568
7 years$4,921$4,590$4,282$3,993$3,723$2,767
8 years$4,262$3,935$3,631$3,350$3,089$2,185
9 years$3,750$3,426$3,127$2,853$2,601$1,749
10 years$3,341$3,020$2,727$2,459$2,217$1,415
11 years$3,006$2,688$2,400$2,140$1,906$1,154
12 years$2,728$2,413$2,130$1,877$1,652$947
13 years$2,492$2,181$1,903$1,657$1,441$781
14 years$2,290$1,982$1,710$1,471$1,263$646
15 years$2,115$1,811$1,544$1,312$1,112$537
16 years$1,963$1,661$1,400$1,175$983$447
17 years$1,828$1,530$1,274$1,056$871$373
18 years$1,708$1,414$1,163$951$775$312
19 years$1,602$1,310$1,065$860$691$261
20 years$1,506$1,218$977$779$617$219
21 years$1,419$1,134$899$707$552$184
22 years$1,340$1,059$828$642$495$154
23 years$1,268$990$765$585$444$130
24 years$1,203$928$707$534$399$109
25 years$1,142$871$655$487$359$92
26 years$1,086$818$608$446$324$77
27 years$1,035$770$564$408$292$65
28 years$987$726$524$374$263$55
29 years$943$685$488$343$238$46
30 years$902$646$455$315$215$39
31 years$863$611$424$289$194$33
32 years$827$578$395$265$176$28
33 years$793$548$369$244$159$23
34 years$762$519$345$225$144$20
35 years$732$492$323$207$130$17
36 years$704$467$302$190$118$14
37 years$677$444$282$175$107$12
38 years$652$422$264$162$97$10
39 years$628$401$248$149$88$8
40 years$606$382$232$138$80$7
41 years$584$363$218$127$72$6
42 years$564$346$204$117$66$5
43 years$545$330$192$108$60$4
44 years$526$314$180$100$54$4
45 years$509$300$169$92$49$3
46 years$492$286$159$85$45$3
47 years$476$273$149$79$41$2
48 years$461$260$140$73$37$2
49 years$446$249$132$67$33$2
50 years$433$237$124$62$30$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $443,000, adding $3,343 every year, while hoping to spend $32,527 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: 36/34/30 Blend
34$443,000$443,000$443,000$443,000
35$491,634$468,155$461,289$504,817
36$507,173$456,486$442,134$503,295
37$523,205$443,156$421,246$498,494
38$539,749$428,047$398,535$492,698
39$556,821$411,038$373,903$485,841
40$574,437$392,000$347,249$477,851
41$592,616$370,794$318,468$468,654
42$611,376$347,276$287,450$458,173
43$630,736$321,293$254,080$446,323
44$650,717$292,682$218,237$433,018
45$671,338$261,272$179,796$418,166
46$692,622$226,881$138,627$401,671
47$714,591$189,319$94,592$383,431
48$737,266$148,383$47,548$363,338
49$760,673$103,860$0$341,279
50$784,836$55,523$0$317,987
51$809,780$3,135$0$308,783
52$835,533$0$0$298,352
53$862,122$0$0$306,647
54$889,576$0$0$316,425
55$917,925$0$0$326,522
56$947,201$0$0$336,951
57$977,435$0$0$347,723
58$1,008,663$0$0$358,850
59$1,040,919$0$0$370,345
60$1,074,240$0$0$382,222
61$1,108,666$0$0$394,495
62$1,144,235$0$0$407,178
63$1,180,991$0$0$420,287
64$1,218,977$0$0$433,837
65$1,258,240$0$0$447,846
66$1,298,828$0$0$462,332
67$1,340,792$0$0$477,312
68$1,384,185$0$0$492,807
69$1,429,063$0$0$508,836
70$1,475,484$0$0$525,423
71$1,523,511$0$0$542,588
72$1,573,210$0$0$560,357
73$1,624,648$0$0$578,755
74$1,677,898$0$0$597,808
75$1,733,037$0$0$617,546
76$1,790,146$0$0$637,998
77$1,849,310$0$0$659,196
78$1,910,622$0$0$681,173
79$1,974,177$0$0$703,967
80$2,040,077$0$0$727,616
81$2,108,433$0$0$752,159
82$2,179,358$0$0$777,642
83$2,252,979$0$0$804,109
84$2,329,425$0$0$831,612
85$2,408,837$0$0$860,202
86$2,491,367$0$0$889,937
87$2,577,176$0$0$920,878
88$2,666,434$0$0$953,091
89$2,759,329$0$0$986,644
90$2,856,057$0$0$1,021,615
91$2,956,833$0$0$1,058,085
92$3,061,886$0$0$1,096,141
93$3,171,464$0$0$1,135,877
94$3,285,832$0$0$1,177,397
95$3,405,279$0$0$1,220,809
96$3,530,114$0$0$1,266,235
97$3,660,673$0$0$1,313,802
98$3,797,320$0$0$1,363,651
99$3,940,448$0$0$1,415,934
100$4,090,482$0$0$1,470,815