Can I retire at age 35 with 475,000?

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 $475,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$39,225$38,876$38,535$38,202$37,877$37,497
2 years$19,418$19,057$18,706$18,366$18,037$17,654
3 years$12,817$12,454$12,104$11,768$11,443$11,070
4 years$9,517$9,155$8,809$8,478$8,161$7,800
5 years$7,537$7,178$6,836$6,512$6,204$5,856
6 years$6,218$5,861$5,524$5,208$4,909$4,574
7 years$5,276$4,922$4,591$4,281$3,992$3,671
8 years$4,570$4,219$3,893$3,592$3,312$3,004
9 years$4,021$3,673$3,353$3,059$2,789$2,495
10 years$3,582$3,238$2,924$2,637$2,377$2,096
11 years$3,223$2,883$2,574$2,295$2,044$1,776
12 years$2,925$2,587$2,284$2,013$1,771$1,516
13 years$2,672$2,338$2,041$1,777$1,545$1,302
14 years$2,456$2,125$1,834$1,578$1,354$1,124
15 years$2,268$1,941$1,656$1,407$1,192$974
16 years$2,104$1,781$1,501$1,260$1,054$847
17 years$1,960$1,640$1,366$1,132$934$739
18 years$1,832$1,516$1,247$1,020$831$646
19 years$1,717$1,405$1,141$922$740$566
20 years$1,614$1,306$1,048$835$661$497
21 years$1,521$1,216$964$758$592$437
22 years$1,437$1,135$888$689$530$385
23 years$1,360$1,062$820$627$476$339
24 years$1,289$995$758$572$428$299
25 years$1,225$933$702$523$385$264
26 years$1,165$877$651$478$347$234
27 years$1,110$826$605$437$313$207
28 years$1,059$778$562$401$282$183
29 years$1,011$734$523$367$255$162
30 years$967$693$487$337$230$144
31 years$926$655$454$310$208$127
32 years$887$620$424$285$188$113
33 years$851$587$396$262$170$100
34 years$817$556$370$241$154$89
35 years$785$528$346$222$140$79
36 years$754$501$323$204$127$70
37 years$726$476$303$188$115$62
38 years$699$452$284$173$104$55
39 years$674$430$266$160$94$49
40 years$649$409$249$147$86$44
41 years$626$389$233$136$78$39
42 years$605$371$219$126$70$35
43 years$584$353$206$116$64$31
44 years$564$337$193$107$58$27
45 years$546$321$181$99$53$24
46 years$528$306$170$91$48$22
47 years$511$292$160$84$43$19
48 years$494$279$150$78$39$17
49 years$479$267$141$72$36$15
50 years$464$255$133$67$33$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $475,000, adding $6,270 every year, while hoping to spend $35,390 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: 66/29/5 Blend
34$475,000$475,000$475,000$475,000
35$529,918$504,743$497,380$564,131
36$546,314$491,820$476,388$574,712
37$563,198$477,079$453,506$581,424
38$580,580$460,391$428,634$587,806
39$598,472$441,624$401,667$593,822
40$616,888$420,635$372,495$599,432
41$635,840$397,276$341,002$604,594
42$655,340$371,386$307,070$609,263
43$675,400$342,800$270,572$613,389
44$696,032$311,338$231,378$616,922
45$717,249$276,815$189,350$619,806
46$739,062$239,033$144,347$621,982
47$761,482$197,781$96,219$623,387
48$784,521$152,840$44,810$623,955
49$808,189$103,976$0$623,612
50$832,496$50,943$0$622,821
51$857,451$0$0$623,548
52$883,063$0$0$625,404
53$909,339$0$0$643,984
54$936,285$0$0$663,035
55$963,908$0$0$682,560
56$992,209$0$0$702,561
57$1,021,192$0$0$723,040
58$1,050,856$0$0$743,995
59$1,081,199$0$0$765,424
60$1,112,216$0$0$787,323
61$1,143,901$0$0$809,687
62$1,176,242$0$0$832,507
63$1,209,224$0$0$855,772
64$1,242,831$0$0$879,467
65$1,277,039$0$0$903,577
66$1,311,821$0$0$928,079
67$1,347,143$0$0$952,949
68$1,382,965$0$0$978,158
69$1,419,241$0$0$1,003,670
70$1,455,917$0$0$1,029,445
71$1,492,929$0$0$1,055,436
72$1,530,204$0$0$1,081,589
73$1,567,659$0$0$1,107,843
74$1,605,197$0$0$1,134,126
75$1,642,710$0$0$1,160,359
76$1,680,073$0$0$1,186,450
77$1,717,146$0$0$1,212,296
78$1,753,771$0$0$1,237,780
79$1,789,767$0$0$1,262,771
80$1,824,935$0$0$1,287,121
81$1,859,046$0$0$1,310,665
82$1,891,848$0$0$1,333,217
83$1,923,056$0$0$1,354,568
84$1,952,351$0$0$1,374,486
85$1,979,379$0$0$1,392,711
86$2,003,742$0$0$1,408,952
87$2,024,998$0$0$1,422,887
88$2,042,653$0$0$1,434,155
89$2,056,159$0$0$1,442,356
90$2,064,905$0$0$1,447,043
91$2,068,213$0$0$1,447,722
92$2,065,327$0$0$1,443,843
93$2,055,411$0$0$1,434,794
94$2,037,535$0$0$1,419,898
95$2,010,668$0$0$1,398,403
96$1,973,669$0$0$1,369,476
97$1,925,269$0$0$1,332,195
98$1,864,067$0$0$1,285,537
99$1,788,509$0$0$1,228,369
100$1,696,874$0$0$1,159,439