Can I retire at age 35 with 445,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $445,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$36,748$36,420$36,101$35,789$35,485$34,557
2 years$18,192$17,853$17,525$17,206$16,898$15,969
3 years$12,007$11,667$11,340$11,024$10,721$9,820
4 years$8,916$8,577$8,252$7,942$7,646$6,781
5 years$7,061$6,724$6,404$6,101$5,812$4,985
6 years$5,825$5,491$5,176$4,879$4,599$3,811
7 years$4,943$4,611$4,301$4,011$3,740$2,990
8 years$4,281$3,953$3,647$3,365$3,103$2,391
9 years$3,767$3,441$3,142$2,866$2,613$1,939
10 years$3,356$3,033$2,739$2,471$2,227$1,589
11 years$3,020$2,701$2,411$2,150$1,915$1,313
12 years$2,740$2,424$2,140$1,886$1,659$1,093
13 years$2,503$2,190$1,912$1,665$1,447$914
14 years$2,300$1,991$1,718$1,478$1,268$768
15 years$2,125$1,819$1,551$1,318$1,117$647
16 years$1,972$1,669$1,406$1,180$987$547
17 years$1,836$1,537$1,280$1,060$875$464
18 years$1,716$1,420$1,168$956$778$394
19 years$1,609$1,316$1,069$864$694$335
20 years$1,512$1,223$981$782$620$286
21 years$1,425$1,139$903$710$554$244
22 years$1,346$1,063$832$645$497$208
23 years$1,274$995$768$588$446$178
24 years$1,208$932$710$536$401$152
25 years$1,147$875$658$490$361$130
26 years$1,091$822$610$448$325$111
27 years$1,040$774$567$410$293$95
28 years$992$729$527$375$264$82
29 years$947$688$490$344$239$70
30 years$906$649$457$316$216$60
31 years$867$614$426$290$195$52
32 years$831$581$397$267$176$44
33 years$797$550$371$245$160$38
34 years$765$521$347$226$145$33
35 years$735$494$324$208$131$28
36 years$707$469$303$191$119$24
37 years$680$446$284$176$108$21
38 years$655$424$266$162$97$18
39 years$631$403$249$150$88$15
40 years$608$383$233$138$80$13
41 years$587$365$219$127$73$11
42 years$567$347$205$118$66$10
43 years$547$331$193$109$60$8
44 years$529$316$181$100$54$7
45 years$511$301$170$93$49$6
46 years$494$287$159$86$45$5
47 years$478$274$150$79$41$5
48 years$463$262$141$73$37$4
49 years$448$250$132$67$34$3
50 years$434$239$124$62$30$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $445,000, adding $3,737 every year, while hoping to spend $26,509 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: 23/50/27 Blend
34$445,000$445,000$445,000$445,000
35$494,245$470,660$463,762$501,323
36$516,452$465,517$451,093$502,547
37$540,037$459,233$437,111$501,377
38$565,110$451,725$421,744$499,559
39$591,796$442,904$404,916$497,054
40$620,228$432,676$386,550$493,827
41$650,555$420,940$366,563$489,838
42$682,937$407,592$344,869$485,050
43$717,553$392,520$321,378$479,424
44$754,595$375,606$295,996$472,922
45$794,277$356,723$268,625$465,503
46$836,832$335,742$239,163$457,130
47$882,516$312,520$207,502$447,763
48$931,610$286,911$173,531$437,366
49$984,423$258,758$137,132$425,903
50$1,041,292$227,896$98,185$413,337
51$1,102,591$194,150$56,561$399,638
52$1,168,728$157,336$12,129$384,774
53$1,240,151$117,258$0$368,718
54$1,317,355$73,712$0$361,614
55$1,400,880$26,479$0$357,666
56$1,491,323$0$0$353,406
57$1,589,340$0$0$362,447
58$1,695,650$0$0$388,120
59$1,811,046$0$0$416,056
60$1,936,399$0$0$446,475
61$2,072,667$0$0$479,617
62$2,220,906$0$0$515,750
63$2,382,276$0$0$555,165
64$2,558,052$0$0$598,185
65$2,749,641$0$0$645,164
66$2,958,587$0$0$696,493
67$3,186,593$0$0$752,602
68$3,435,533$0$0$813,963
69$3,707,466$0$0$881,098
70$4,004,665$0$0$954,580
71$4,329,628$0$0$1,035,042
72$4,685,106$0$0$1,123,177
73$5,074,130$0$0$1,219,753
74$5,500,034$0$0$1,325,614
75$5,966,494$0$0$1,441,687
76$6,477,555$0$0$1,568,997
77$7,037,672$0$0$1,708,671
78$7,651,752$0$0$1,861,950
79$8,325,200$0$0$2,030,203
80$9,063,969$0$0$2,214,934
81$9,874,613$0$0$2,417,804
82$10,764,357$0$0$2,640,640
83$11,741,154$0$0$2,885,457
84$12,813,767$0$0$3,154,472
85$13,991,851$0$0$3,450,130
86$15,286,037$0$0$3,775,122
87$16,708,042$0$0$4,132,417
88$18,270,770$0$0$4,525,280
89$19,988,440$0$0$4,957,313
90$21,876,714$0$0$5,432,483
91$23,952,850$0$0$5,955,160
92$26,235,861$0$0$6,530,160
93$28,746,693$0$0$7,162,789
94$31,508,425$0$0$7,858,892
95$34,546,485$0$0$8,624,911
96$37,888,890$0$0$9,467,943
97$41,566,508$0$0$10,395,808
98$45,613,351$0$0$11,417,122
99$50,066,894$0$0$12,541,380
100$54,968,430$0$0$13,779,043