Can I retire at age 35 with 474,000?

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 $474,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$39,142$38,794$38,454$38,122$37,797$36,959
2 years$19,377$19,017$18,667$18,328$17,999$17,158
3 years$12,790$12,428$12,079$11,743$11,419$10,603
4 years$9,497$9,136$8,790$8,460$8,144$7,359
5 years$7,522$7,162$6,822$6,498$6,191$5,438
6 years$6,205$5,849$5,513$5,197$4,899$4,180
7 years$5,265$4,912$4,581$4,272$3,984$3,299
8 years$4,560$4,210$3,885$3,584$3,305$2,653
9 years$4,013$3,666$3,346$3,053$2,783$2,164
10 years$3,575$3,231$2,917$2,632$2,372$1,785
11 years$3,217$2,877$2,568$2,290$2,040$1,485
12 years$2,918$2,582$2,279$2,009$1,768$1,243
13 years$2,666$2,333$2,037$1,773$1,541$1,047
14 years$2,450$2,121$1,830$1,574$1,351$885
15 years$2,263$1,937$1,652$1,404$1,190$752
16 years$2,100$1,778$1,498$1,257$1,051$640
17 years$1,956$1,637$1,363$1,130$932$546
18 years$1,828$1,513$1,244$1,018$829$468
19 years$1,714$1,402$1,139$920$739$401
20 years$1,611$1,303$1,045$833$660$344
21 years$1,518$1,213$962$756$591$296
22 years$1,434$1,133$886$687$529$255
23 years$1,357$1,059$818$626$475$219
24 years$1,287$993$757$571$427$189
25 years$1,222$932$701$521$384$163
26 years$1,163$875$650$477$346$141
27 years$1,107$824$604$436$312$122
28 years$1,056$776$561$400$282$105
29 years$1,009$732$522$367$254$91
30 years$965$692$486$337$230$79
31 years$924$654$453$309$208$68
32 years$885$619$423$284$188$59
33 years$849$586$395$261$170$51
34 years$815$555$369$240$154$44
35 years$783$527$345$221$139$38
36 years$753$500$323$204$126$33
37 years$724$475$302$188$115$29
38 years$698$451$283$173$104$25
39 years$672$429$265$160$94$21
40 years$648$408$248$147$85$19
41 years$625$389$233$136$77$16
42 years$603$370$219$125$70$14
43 years$583$353$205$116$64$12
44 years$563$336$193$107$58$10
45 years$544$321$181$99$53$9
46 years$527$306$170$91$48$8
47 years$510$292$159$84$43$7
48 years$493$279$150$78$39$6
49 years$478$266$141$72$36$5
50 years$463$254$132$66$32$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $474,000, adding $4,593 every year, while hoping to spend $30,776 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: 53/38/9 Blend
34$474,000$474,000$474,000$474,000
35$527,086$501,964$494,617$553,591
36$548,103$493,814$478,441$563,950
37$570,233$484,234$460,692$571,484
38$593,555$473,121$441,284$578,951
39$618,160$460,366$420,129$586,352
40$644,142$445,853$397,133$593,689
41$671,606$429,462$372,198$600,965
42$700,667$411,063$345,224$608,186
43$731,450$390,520$316,104$615,362
44$764,091$367,689$284,727$622,504
45$798,740$342,417$250,977$629,628
46$835,559$314,543$214,732$636,753
47$874,727$283,897$175,867$643,905
48$916,440$250,298$134,249$651,113
49$960,911$213,557$89,740$658,414
50$1,008,374$173,471$42,197$665,851
51$1,059,086$129,829$0$673,475
52$1,113,328$82,406$0$682,167
53$1,171,408$30,965$0$695,555
54$1,233,666$0$0$709,680
55$1,300,470$0$0$735,000
56$1,372,230$0$0$776,139
57$1,449,391$0$0$820,408
58$1,532,444$0$0$868,093
59$1,621,928$0$0$919,508
60$1,718,434$0$0$974,997
61$1,822,612$0$0$1,034,941
62$1,935,177$0$0$1,099,754
63$2,056,913$0$0$1,169,894
64$2,188,683$0$0$1,245,864
65$2,331,435$0$0$1,328,218
66$2,486,213$0$0$1,417,563
67$2,654,163$0$0$1,514,568
68$2,836,546$0$0$1,619,968
69$3,034,749$0$0$1,734,573
70$3,250,299$0$0$1,859,273
71$3,484,873$0$0$1,995,047
72$3,740,320$0$0$2,142,973
73$4,018,673$0$0$2,304,238
74$4,322,168$0$0$2,480,145
75$4,653,267$0$0$2,672,133
76$5,014,681$0$0$2,881,782
77$5,409,393$0$0$3,110,834
78$5,840,687$0$0$3,361,206
79$6,312,178$0$0$3,635,007
80$6,827,847$0$0$3,934,560
81$7,392,077$0$0$4,262,425
82$8,009,694$0$0$4,621,418
83$8,686,012$0$0$5,014,641
84$9,426,883$0$0$5,445,511
85$10,238,752$0$0$5,917,790
86$11,128,717$0$0$6,435,622
87$12,104,595$0$0$7,003,571
88$13,174,997$0$0$7,626,663
89$14,349,405$0$0$8,310,436
90$15,638,265$0$0$9,060,988
91$17,053,084$0$0$9,885,037
92$18,606,535$0$0$10,789,983
93$20,312,580$0$0$11,783,979
94$22,186,600$0$0$12,876,006
95$24,245,537$0$0$14,075,956
96$26,508,056$0$0$15,394,729
97$28,994,721$0$0$16,844,332
98$31,728,185$0$0$18,437,994
99$34,733,406$0$0$20,190,289
100$38,037,882$0$0$22,117,274