Can I retire at age 35 with 486,000?

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 $486,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$40,133$39,776$39,427$39,087$38,754$38,159
2 years$19,868$19,498$19,139$18,792$18,454$17,857
3 years$13,114$12,742$12,384$12,040$11,708$11,126
4 years$9,737$9,367$9,013$8,674$8,350$7,788
5 years$7,712$7,344$6,994$6,663$6,348$5,807
6 years$6,362$5,997$5,652$5,328$5,023$4,505
7 years$5,398$5,036$4,697$4,381$4,085$3,589
8 years$4,676$4,317$3,984$3,675$3,389$2,916
9 years$4,114$3,759$3,431$3,130$2,854$2,403
10 years$3,665$3,313$2,991$2,698$2,432$2,002
11 years$3,298$2,949$2,633$2,348$2,091$1,683
12 years$2,992$2,647$2,337$2,060$1,812$1,425
13 years$2,734$2,392$2,088$1,818$1,580$1,214
14 years$2,512$2,175$1,876$1,614$1,385$1,038
15 years$2,321$1,986$1,694$1,440$1,220$892
16 years$2,153$1,823$1,536$1,289$1,078$769
17 years$2,005$1,678$1,397$1,158$956$664
18 years$1,874$1,551$1,276$1,044$850$575
19 years$1,757$1,437$1,168$943$758$499
20 years$1,652$1,336$1,072$854$677$434
21 years$1,557$1,244$986$775$606$378
22 years$1,470$1,161$909$705$543$330
23 years$1,391$1,086$839$642$487$288
24 years$1,319$1,018$776$585$438$251
25 years$1,253$955$719$535$394$220
26 years$1,192$898$666$489$355$192
27 years$1,135$845$619$447$320$168
28 years$1,083$796$575$410$289$148
29 years$1,035$751$535$376$261$129
30 years$989$709$499$345$236$113
31 years$947$670$465$317$213$100
32 years$907$634$434$291$193$87
33 years$870$601$405$268$174$77
34 years$836$569$378$246$158$67
35 years$803$540$354$227$143$59
36 years$772$513$331$209$130$52
37 years$743$487$310$192$117$46
38 years$715$463$290$177$106$40
39 years$689$440$272$164$97$35
40 years$664$419$255$151$88$31
41 years$641$398$239$139$79$27
42 years$619$379$224$128$72$24
43 years$598$362$210$119$65$21
44 years$577$345$197$110$59$18
45 years$558$329$185$101$54$16
46 years$540$314$174$93$49$14
47 years$522$299$164$86$44$13
48 years$506$286$154$80$40$11
49 years$490$273$144$74$37$10
50 years$475$261$136$68$33$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $486,000, adding $5,150 every year, while hoping to spend $39,438 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: 52/42/6 Blend
34$486,000$486,000$486,000$486,000
35$540,884$515,126$507,593$567,977
36$554,093$498,406$482,636$570,207
37$567,327$479,544$455,521$567,899
38$580,547$458,395$426,134$564,437
39$593,709$434,803$394,356$559,722
40$606,764$408,604$360,063$553,643
41$619,653$379,625$323,124$546,084
42$632,314$347,683$283,405$536,920
43$644,674$312,583$240,763$526,015
44$656,653$274,122$195,050$513,223
45$668,159$232,081$146,112$498,388
46$679,091$186,234$93,787$481,341
47$689,336$136,337$37,907$461,899
48$698,767$82,136$0$439,868
49$707,243$23,362$0$416,426
50$714,604$0$0$392,636
51$720,676$0$0$384,448
52$725,262$0$0$386,177
53$728,145$0$0$386,902
54$729,083$0$0$386,484
55$727,807$0$0$384,766
56$724,017$0$0$381,577
57$717,384$0$0$376,726
58$707,538$0$0$370,002
59$694,073$0$0$361,169
60$676,537$0$0$349,969
61$654,430$0$0$336,113
62$627,198$0$0$319,282
63$594,228$0$0$299,125
64$554,841$0$0$275,251
65$508,286$0$0$247,228
66$453,734$0$0$214,581
67$390,267$0$0$176,780
68$316,868$0$0$133,244
69$232,417$0$0$83,327
70$135,673$0$0$26,319
71$25,267$0$0$0
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0