Can I retire at age 35 with 499,000?

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 $499,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$41,207$40,840$40,482$40,132$39,791$39,375
2 years$20,399$20,020$19,651$19,294$18,948$18,530
3 years$13,465$13,083$12,716$12,362$12,021$11,613
4 years$9,998$9,617$9,254$8,906$8,574$8,179
5 years$7,918$7,540$7,181$6,841$6,518$6,137
6 years$6,532$6,157$5,804$5,471$5,157$4,791
7 years$5,543$5,171$4,823$4,498$4,194$3,843
8 years$4,801$4,432$4,090$3,773$3,479$3,143
9 years$4,224$3,859$3,523$3,214$2,930$2,609
10 years$3,763$3,402$3,071$2,770$2,497$2,190
11 years$3,386$3,028$2,704$2,411$2,147$1,855
12 years$3,072$2,718$2,400$2,115$1,861$1,583
13 years$2,807$2,456$2,144$1,867$1,623$1,358
14 years$2,580$2,233$1,926$1,657$1,422$1,171
15 years$2,383$2,040$1,739$1,478$1,252$1,014
16 years$2,211$1,871$1,577$1,323$1,107$882
17 years$2,059$1,723$1,435$1,189$981$768
18 years$1,924$1,592$1,310$1,072$873$671
19 years$1,804$1,476$1,199$968$778$588
20 years$1,696$1,371$1,100$877$695$516
21 years$1,598$1,277$1,012$796$622$453
22 years$1,509$1,192$933$724$557$399
23 years$1,429$1,115$861$659$500$351
24 years$1,355$1,045$797$601$450$310
25 years$1,286$981$738$549$405$273
26 years$1,224$922$684$502$364$242
27 years$1,166$867$635$459$329$214
28 years$1,112$817$591$421$296$189
29 years$1,062$771$550$386$268$167
30 years$1,016$728$512$354$242$148
31 years$972$688$477$325$219$131
32 years$932$651$445$299$198$116
33 years$894$617$416$275$179$103
34 years$858$585$389$253$162$91
35 years$824$554$363$233$147$81
36 years$793$526$340$214$133$72
37 years$763$500$318$198$121$64
38 years$734$475$298$182$109$57
39 years$708$452$279$168$99$50
40 years$682$430$262$155$90$45
41 years$658$409$245$143$82$40
42 years$635$390$230$132$74$35
43 years$614$371$216$122$67$31
44 years$593$354$203$112$61$28
45 years$573$337$190$104$55$25
46 years$554$322$179$96$50$22
47 years$536$307$168$89$46$19
48 years$519$293$158$82$41$17
49 years$503$280$148$76$38$15
50 years$487$268$139$70$34$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $499,000, adding $5,376 every year, while hoping to spend $24,168 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: 40/40/20 Blend
34$499,000$499,000$499,000$499,000
35$555,443$528,996$521,262$574,179
36$586,384$529,203$513,010$588,296
37$619,671$528,609$503,671$600,844
38$655,517$527,151$493,184$613,921
39$694,158$524,759$481,483$627,590
40$735,851$521,361$468,502$641,919
41$780,880$516,880$454,169$656,986
42$829,556$511,234$438,410$672,879
43$882,221$504,334$421,147$689,697
44$939,251$496,091$402,300$707,548
45$1,001,061$486,405$381,783$726,559
46$1,068,105$475,174$359,508$746,867
47$1,140,882$462,289$335,382$768,627
48$1,219,943$447,632$309,308$792,015
49$1,305,893$431,082$281,186$817,223
50$1,399,398$412,509$250,910$844,470
51$1,501,190$391,775$218,369$873,998
52$1,612,075$368,736$183,448$906,077
53$1,732,940$343,237$146,026$941,009
54$1,864,761$315,117$105,979$979,131
55$2,008,612$284,203$63,175$1,020,816
56$2,165,675$250,314$17,476$1,066,482
57$2,337,253$213,258$0$1,116,592
58$2,524,778$172,833$0$1,178,341
59$2,729,828$128,824$0$1,250,037
60$2,954,140$81,006$0$1,328,619
61$3,199,627$29,140$0$1,414,828
62$3,468,395$0$0$1,509,488
63$3,762,762$0$0$1,625,404
64$4,085,284$0$0$1,766,526
65$4,438,773$0$0$1,921,264
66$4,826,327$0$0$2,090,984
67$5,251,357$0$0$2,277,189
68$5,717,622$0$0$2,481,534
69$6,229,260$0$0$2,705,842
70$6,790,832$0$0$2,952,122
71$7,407,358$0$0$3,222,587
72$8,084,373$0$0$3,519,674
73$8,827,968$0$0$3,846,067
74$9,644,859$0$0$4,204,726
75$10,542,440$0$0$4,598,908
76$11,528,859$0$0$5,032,203
77$12,613,093$0$0$5,508,567
78$13,805,029$0$0$6,032,357
79$15,115,563$0$0$6,608,374
80$16,556,698$0$0$7,241,907
81$18,141,658$0$0$7,938,785
82$19,885,013$0$0$8,705,427
83$21,802,817$0$0$9,548,909
84$23,912,758$0$0$10,477,024
85$26,234,323$0$0$11,498,363
86$28,788,985$0$0$12,622,388
87$31,600,404$0$0$13,859,526
88$34,694,648$0$0$15,221,266
89$38,100,442$0$0$16,720,268
90$41,849,435$0$0$18,370,480
91$45,976,503$0$0$20,187,274
92$50,520,071$0$0$22,187,585
93$55,522,484$0$0$24,390,076
94$61,030,397$0$0$26,815,311
95$67,095,223$0$0$29,485,949
96$73,773,613$0$0$32,426,960
97$81,127,991$0$0$35,665,858
98$89,227,144$0$0$39,232,960
99$98,146,869$0$0$43,161,677
100$107,970,691$0$0$47,488,822