Can I retire at age 35 with 444,000?

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 $444,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$36,665$36,339$36,020$35,709$35,405$34,014
2 years$18,151$17,813$17,485$17,168$16,860$15,475
3 years$11,980$11,641$11,314$11,000$10,696$9,362
4 years$8,896$8,557$8,234$7,925$7,629$6,355
5 years$7,046$6,709$6,390$6,087$5,799$4,589
6 years$5,812$5,478$5,164$4,868$4,589$3,443
7 years$4,932$4,601$4,291$4,002$3,732$2,650
8 years$4,272$3,944$3,639$3,357$3,096$2,077
9 years$3,759$3,434$3,135$2,860$2,607$1,650
10 years$3,348$3,027$2,733$2,465$2,222$1,323
11 years$3,013$2,694$2,406$2,145$1,911$1,070
12 years$2,734$2,418$2,135$1,882$1,656$870
13 years$2,498$2,186$1,908$1,661$1,444$711
14 years$2,295$1,987$1,714$1,475$1,266$583
15 years$2,120$1,815$1,548$1,315$1,114$480
16 years$1,967$1,665$1,403$1,178$985$396
17 years$1,832$1,533$1,277$1,058$873$327
18 years$1,712$1,417$1,165$954$776$271
19 years$1,605$1,313$1,067$862$692$225
20 years$1,509$1,220$979$780$618$187
21 years$1,422$1,137$901$708$553$155
22 years$1,343$1,061$830$644$496$129
23 years$1,271$992$766$586$445$107
24 years$1,205$930$709$535$400$89
25 years$1,145$873$657$488$360$74
26 years$1,089$820$609$447$324$62
27 years$1,037$772$565$409$292$52
28 years$990$727$526$375$264$43
29 years$945$686$489$343$238$36
30 years$904$648$456$315$215$30
31 years$865$612$425$290$195$25
32 years$829$580$396$266$176$21
33 years$795$549$370$245$159$17
34 years$763$520$346$225$144$15
35 years$733$493$323$207$131$12
36 years$705$468$302$191$118$10
37 years$679$445$283$176$107$8
38 years$653$423$265$162$97$7
39 years$630$402$248$149$88$6
40 years$607$382$233$138$80$5
41 years$586$364$218$127$73$4
42 years$565$347$205$117$66$3
43 years$546$330$192$108$60$3
44 years$528$315$180$100$54$2
45 years$510$300$169$92$49$2
46 years$493$286$159$85$45$2
47 years$477$273$149$79$41$1
48 years$462$261$140$73$37$1
49 years$447$249$132$67$33$1
50 years$433$238$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 $444,000, adding $2,880 every year, while hoping to spend $31,569 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: 66/12/22 Blend
34$444,000$444,000$444,000$444,000
35$492,259$468,727$461,845$521,803
36$508,880$458,105$443,727$531,381
37$526,138$445,905$423,945$537,985
38$544,066$432,016$402,409$544,467
39$562,696$416,320$379,025$550,816
40$582,066$398,694$353,697$557,019
41$602,213$379,007$326,322$563,067
42$623,180$357,119$296,795$568,947
43$645,011$332,885$265,004$574,649
44$667,754$306,148$230,834$580,162
45$691,461$276,745$194,163$585,474
46$716,187$244,503$154,864$590,577
47$741,992$209,238$112,807$595,460
48$768,942$170,757$67,852$600,116
49$797,105$128,855$19,856$604,536
50$826,557$83,317$0$608,714
51$857,380$33,914$0$620,007
52$889,663$0$0$636,504
53$923,500$0$0$656,162
54$958,996$0$0$681,490
55$996,264$0$0$708,092
56$1,035,425$0$0$736,054
57$1,076,614$0$0$765,475
58$1,119,974$0$0$796,459
59$1,165,664$0$0$829,119
60$1,213,855$0$0$863,580
61$1,264,734$0$0$899,979
62$1,318,505$0$0$938,461
63$1,375,392$0$0$979,190
64$1,435,636$0$0$1,022,340
65$1,499,504$0$0$1,068,105
66$1,567,285$0$0$1,116,694
67$1,639,297$0$0$1,168,339
68$1,715,888$0$0$1,223,290
69$1,797,436$0$0$1,281,823
70$1,884,357$0$0$1,344,240
71$1,977,108$0$0$1,410,871
72$2,076,186$0$0$1,482,078
73$2,182,138$0$0$1,558,258
74$2,295,565$0$0$1,639,847
75$2,417,123$0$0$1,727,321
76$2,547,533$0$0$1,821,203
77$2,687,586$0$0$1,922,070
78$2,838,152$0$0$2,030,550
79$3,000,183$0$0$2,147,337
80$3,174,725$0$0$2,273,190
81$3,362,930$0$0$2,408,946
82$3,566,060$0$0$2,555,522
83$3,785,502$0$0$2,713,925
84$4,022,783$0$0$2,885,264
85$4,279,577$0$0$3,070,758
86$4,557,728$0$0$3,271,744
87$4,859,263$0$0$3,489,695
88$5,186,408$0$0$3,726,231
89$5,541,614$0$0$3,983,133
90$5,927,576$0$0$4,262,358
91$6,347,259$0$0$4,566,061
92$6,803,924$0$0$4,896,615
93$7,301,160$0$0$5,256,626
94$7,842,916$0$0$5,648,966
95$8,433,538$0$0$6,076,794
96$9,077,809$0$0$6,543,587
97$9,780,993$0$0$7,053,172
98$10,548,886$0$0$7,609,762
99$11,387,865$0$0$8,217,995
100$12,304,955$0$0$8,882,977